<SEC-DOCUMENT>0001628280-24-009782.txt : 20240308
<SEC-HEADER>0001628280-24-009782.hdr.sgml : 20240308
<ACCEPTANCE-DATETIME>20240308064731
ACCESSION NUMBER:		0001628280-24-009782
CONFORMED SUBMISSION TYPE:	20-F
PUBLIC DOCUMENT COUNT:		338
CONFORMED PERIOD OF REPORT:	20231231
FILED AS OF DATE:		20240308
DATE AS OF CHANGE:		20240308

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ING GROEP NV
		CENTRAL INDEX KEY:			0001039765
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			P7
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		20-F
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14642
		FILM NUMBER:		24732297

	BUSINESS ADDRESS:	
		STREET 1:		PO BOX 1800
		CITY:			AMSTERDAM
		STATE:			P7
		ZIP:			1000 BV
		BUSINESS PHONE:		01131205639111

	MAIL ADDRESS:	
		STREET 1:		PO BOX 1800
		CITY:			AMSTERDAM
		STATE:			P7
		ZIP:			1000 BV
</SEC-HEADER>
<DOCUMENT>
<TYPE>20-F
<SEQUENCE>1
<FILENAME>ing-20231231.htm
<DESCRIPTION>20-F
<TEXT>
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style="line-height: 10pt; position: var(--position); top: 394.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 166.45pt; position: var(--position); text-decoration: none; white-space: pre;">(Exact name of Registrant as specified in its charter)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 421.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 257pt; position: var(--position); text-decoration: none; white-space: pre;">ING GROUP<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 179.68pt; position: var(--position); text-decoration: none; white-space: pre;">(Translation of Registrant&#8217;s name into English)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 460.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 244.52pt; position: var(--position); text-decoration: none; white-space: pre;">The <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 263.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-1" name="dei:EntityAddressCountry" format="ixt-sec:countrynameen" id="f-10"><ix:nonNumeric contextRef="c-1" name="dei:EntityIncorporationStateCountryCode" format="ixt-sec:edgarprovcountryen" id="f-11">Netherlands</ix:nonNumeric></ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 181.59pt; position: var(--position); text-decoration: none; white-space: pre;">(Jurisdiction of incorporation or organization)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 484.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 244.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-1" name="dei:EntityAddressAddressLine1" id="f-12">Bijlmerdreef 106</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 496.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 235.71pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-1" name="dei:EntityAddressPostalZipCode" id="f-13">1102 CT</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 272.57pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 274.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-1" name="dei:EntityAddressCityOrTown" id="f-14">Amsterdam</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 716.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-2" name="dei:EntityAddressAddressLine1" id="f-15">P.O. Box 1800</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 778.92pt; position: var(--position); text-decoration: none; white-space: pre;">, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 783.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-2" name="dei:EntityAddressPostalZipCode" id="f-16">1000 BV</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 821.7099999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 824.11pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-2" name="dei:EntityAddressCityOrTown" id="f-17">Amsterdam</ix:nonNumeric> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 759.57pt; position: var(--position); text-decoration: none; white-space: pre;">The <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 778.6800000000001pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-2" name="dei:EntityAddressCountry" format="ixt-sec:countrynameen" id="f-18">Netherlands</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 835.46pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 712.1pt; position: var(--position); text-decoration: none; white-space: pre;">(Address of principal executive offices) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 761.7pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-3" name="dei:ContactPersonnelName" id="f-19">Erwin Olijslager</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 833.34pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 732.61pt; position: var(--position); text-decoration: none; white-space: pre;">Telephone: +<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 791.09pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-3" name="dei:CountryRegion" id="f-20">31</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 802.75pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 805.15pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-3" name="dei:CityAreaCode" id="f-21">20</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 816.8100000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 819.21pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-3" name="dei:LocalPhoneNumber" id="f-22">564 7705</ix:nonNumeric> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 722.22pt; position: var(--position); text-decoration: none; white-space: pre;">E-mail: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 756.64pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-3" name="dei:ContactPersonnelEmailAddress" id="f-23">Erwin.Olijslager@ing.com</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 872.82pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 759.11pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-3" name="dei:EntityAddressAddressLine1" id="f-24">Bijlmerdreef 106</ix:nonNumeric> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 750.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-3" name="dei:EntityAddressPostalZipCode" id="f-25">1102 CT</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 787.62pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 790.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-3" name="dei:EntityAddressCityOrTown" id="f-26">Amsterdam</ix:nonNumeric> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 759.57pt; position: var(--position); text-decoration: none; white-space: pre;">The <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 778.6800000000001pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-3" name="dei:EntityAddressCountry" format="ixt-sec:countrynameen" id="f-27">Netherlands</ix:nonNumeric> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 588.46pt; position: var(--position); text-decoration: none; white-space: pre;">(Name, Telephone, E-mail and/or Facsimile number and Address of Company Contact Person) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 621.72pt; position: var(--position); text-decoration: none; white-space: pre;">Securities registered or to be <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 756.63pt; position: var(--position); text-decoration: none; white-space: pre;">registered<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 803.89pt; position: var(--position); text-decoration: none; white-space: pre;"> pursuant to Section&#160;12(b) of the Act.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 226.91pt; width: 1080pt;"><div style="left: 555.27pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 237.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 5.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 87.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 9.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 144pt;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 0pt; width: 237.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 81.96pt; position: var(--position); text-decoration: none; white-space: pre;">Title of each class<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 243pt; position: var(--position); top: 0pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.8pt; position: var(--position); text-decoration: none; white-space: pre;">Trading symbols<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 340.5pt; position: var(--position); top: 0pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.77pt; position: var(--position); text-decoration: none; white-space: pre;">Name of each exchange on which <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 50.75pt; position: var(--position); text-decoration: none; white-space: pre;">registered<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 24pt; width: 237.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-4" name="dei:Security12bTitle" id="f-28">American Depositary Shares</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 243pt; position: var(--position); top: 24pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.74pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-4" name="dei:TradingSymbol" id="f-29">ING</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 340.5pt; position: var(--position); top: 24pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-4" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-30">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 38.25pt; width: 237.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-5" name="dei:Security12bTitle" id="f-31">Ordinary shares</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><ix:nonNumeric contextRef="c-5" xsi:nil="true" name="dei:NoTradingSymbolFlag" id="f-32"></ix:nonNumeric></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 340.5pt; position: var(--position); top: 38.25pt; width: 144pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 3.75pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-5" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-33">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 105.39999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">(i)<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 52.5pt; width: 237.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-6" name="dei:Security12bTitle" id="f-34">3.950% Fixed Rate Senior Notes due 2027</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 243pt; position: var(--position); top: 52.5pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.68pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-6" name="dei:TradingSymbol" id="f-35">ING27</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 340.5pt; position: var(--position); top: 52.5pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-6" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-36">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66.75pt; width: 237.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-7" name="dei:Security12bTitle" id="f-37">4.550% Fixed Rate Senior Notes due 2028</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 243pt; position: var(--position); top: 66.75pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.68pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-7" name="dei:TradingSymbol" id="f-38">ING28</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 340.5pt; position: var(--position); top: 66.75pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-7" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-39">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 81pt; width: 237.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-8" name="dei:Security12bTitle" id="f-40">3.550% Fixed Rate Senior Notes due 2024</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 243pt; position: var(--position); top: 81pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.68pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-8" name="dei:TradingSymbol" id="f-41">ING24</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 340.5pt; position: var(--position); top: 81pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-8" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-42">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 95.25pt; width: 237.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-9" name="dei:Security12bTitle" id="f-43">4.050% Fixed Rate Senior Notes due 2029</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 243pt; position: var(--position); top: 95.25pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.68pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-9" name="dei:TradingSymbol" id="f-44">ING29</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 340.5pt; position: var(--position); top: 95.25pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-9" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-45">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 109.5pt; width: 237.75pt;"><div><ix:nonNumeric contextRef="c-10" name="dei:Security12bTitle" id="f-46"><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1.726% Callable Fixed-to-Floating Rate Senior Notes due <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></ix:nonNumeric></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 243pt; position: var(--position); top: 109.5pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.78pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-10" name="dei:TradingSymbol" id="f-47">ING27A</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 340.5pt; position: var(--position); top: 109.5pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-10" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-48">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 133.5pt; width: 237.75pt;"><div><ix:nonNumeric contextRef="c-11" name="dei:Security12bTitle" id="f-49"><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2.727% Callable Fixed-to-Floating Rate Senior Notes due <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2032<span style="display: inline-block; height: 6.75pt;"></span></span></div></ix:nonNumeric></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 243pt; position: var(--position); top: 133.5pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.68pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-11" name="dei:TradingSymbol" id="f-50">ING32</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 340.5pt; position: var(--position); top: 133.5pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-11" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-51">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 157.5pt; width: 237.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-12" name="dei:Security12bTitle" id="f-52">Callable Floating Rate Senior Notes due 2027</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 243pt; position: var(--position); top: 157.5pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.15pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-12" name="dei:TradingSymbol" id="f-53">ING27B</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 340.5pt; position: var(--position); top: 157.5pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-12" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-54">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 171.75pt; width: 237.75pt;"><div><ix:nonNumeric contextRef="c-13" name="dei:Security12bTitle" id="f-55"><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4.017% Callable Fixed-to-Floating Rate Senior Notes due <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></ix:nonNumeric></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 243pt; position: var(--position); top: 171.75pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.78pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-13" name="dei:TradingSymbol" id="f-56">ING28A</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 340.5pt; position: var(--position); top: 171.75pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-13" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-57">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 195.75pt; width: 237.75pt;"><div><ix:nonNumeric contextRef="c-14" name="dei:Security12bTitle" id="f-58"><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3.869% Callable Fixed-to-Floating Rate Senior Notes due <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2026<span style="display: inline-block; height: 6.75pt;"></span></span></div></ix:nonNumeric></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 243pt; position: var(--position); top: 195.75pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.68pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-14" name="dei:TradingSymbol" id="f-59">ING26</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 340.5pt; position: var(--position); top: 195.75pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-14" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-60">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 219.75pt; width: 237.75pt;"><div><ix:nonNumeric contextRef="c-15" name="dei:Security12bTitle" id="f-61"><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4.252% Callable Fixed-to-Floating Rate Senior Notes due <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2033<span style="display: inline-block; height: 6.75pt;"></span></span></div></ix:nonNumeric></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 243pt; position: var(--position); top: 219.75pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.68pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-15" name="dei:TradingSymbol" id="f-62">ING33</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 340.5pt; position: var(--position); top: 219.75pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-15" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-63">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 243.75pt; width: 237.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-16" name="dei:Security12bTitle" id="f-64">Callable Floating Rate Senior Notes due 2026</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 243pt; position: var(--position); top: 243.75pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.78pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-16" name="dei:TradingSymbol" id="f-65">ING26A</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 340.5pt; position: var(--position); top: 243.75pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-16" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-66">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 258pt; width: 237.75pt;"><div><ix:nonNumeric contextRef="c-17" name="dei:Security12bTitle" id="f-67"><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6.083% Callable Fixed-to-Floating Rate Senior Notes due <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></ix:nonNumeric></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 243pt; position: var(--position); top: 258pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-17" name="dei:TradingSymbol" id="f-68">ING27C</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 340.5pt; position: var(--position); top: 258pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-17" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-69">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 282pt; width: 237.75pt;"><div><ix:nonNumeric contextRef="c-18" name="dei:Security12bTitle" id="f-70"><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">$500,000,000 Callable Floating Rate Senior Notes due <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></ix:nonNumeric></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 243pt; position: var(--position); top: 282pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-18" name="dei:TradingSymbol" id="f-71">ING27D</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 340.5pt; position: var(--position); top: 282pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-18" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-72">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 306pt; width: 237.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-19" name="dei:Security12bTitle" id="f-73" continuedAt="f-73-1">$1,250,000,000 6.114% Callable Fixed-to-Floating Rate </ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 237.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-73-1">Senior Notes due 2034</ix:continuation> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 243pt; position: var(--position); top: 306pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.68pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-19" name="dei:TradingSymbol" id="f-74">ING34</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 340.5pt; position: var(--position); top: 306pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-19" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-75">New York Stock Exchange</ix:nonNumeric><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">(i)<span style="display: inline-block; height: 7.5pt; width: 27.37pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Not for trading, but only in connection with the registration of American Depositary Shares <span style="display: inline-block; height: 7.5pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">representing such ordinary shares, pursuant to the requirements of the Securities and Exchange <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Commission.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">Securities registered or to be registered pursuant to Section&#160;12(g) of the Act.<span style="display: inline-block; height: 7.5pt; width: 20.13pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);">None<span style="display: inline-block; height: 7.5pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">Securities for which there is a reporting obligation pursuant to Section&#160;15(d) of the Act. <span style="display: inline-block; height: 7.5pt; width: 7.59pt;"></span></span><span style="left: 435.97pt; position: var(--position);">None <span style="display: inline-block; height: 7.5pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Indicate the number of outstanding shares of each of the issuer&#8217;s classes of capital or common stock as of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the close of the period covered by the annual report. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 193.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">Ordinary Shares, nominal value EUR 0.01 per Ordinary Share<span style="display: inline-block; height: 7.5pt; width: 18.75pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 435.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-20" decimals="INF" name="dei:EntityCommonStockSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-76">3,498,194,469</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 220.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Indicate by check mark if the registrant is a <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 235.35pt; position: var(--position); text-decoration: none; white-space: pre;">well-known seasoned issu<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 351.46000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">er, as defined in Rule 405 of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">Securities Act.&#160;<span style="display: inline-block; height: 7.5pt; width: 6.84pt;"></span></span><span style="left: 111.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 147.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 183.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 219.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; 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height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"> <span style="display: inline-block; height: 7.5pt;"></span></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 385.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#9746;&#160;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; 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position: var(--position); top: 448.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">files).<span style="display: inline-block; height: 7.5pt; width: 12.67pt;"></span></span><span style="left: 75.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 111.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 147.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 183.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 219.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"> &#9746;&#160;<span style="display: inline-block; height: 7.5pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 376.78pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-1" name="dei:EntityInteractiveDataCurrent" id="f-80">Yes</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 391.96000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;&#9744;&#160;No <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">accelerated filer, or an emerging growth company. See definition of &#8220;large accelerated filer,&#8221; accelerated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 499.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">filer,&#8221; and &#8220;emerging growth company&#8221; in Rule 12b-2 of the Exchange Act. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 526.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-1" name="dei:EntityFilerCategory" format="ixt-sec:entityfilercategoryen" id="f-81">Large accelerated filer</ix:nonNumeric><span style="display: inline-block; 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position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">If an emerging growth company that prepares its financial statements in accordance with U.S. GAAP, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">indicate by check mark if the registrant has elected not to use the extended transition period for complying <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with any new or revised financial accounting standards<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: normal; left: 801.9pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">&#8224;<span style="display: inline-block; height: 4.875pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 805.15pt; position: var(--position); text-decoration: none; white-space: pre;"> provided pursuant to Section&#160;13(a) of the Exchange <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Act. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 574.86pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-1" name="dei:EntityEmergingGrowthCompany" format="ixt:fixed-false" id="f-82">&#9744;</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 127.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 19.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 465.75pt;"/></tr><tr style="height: 26.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 0pt; position: var(--position); top: 0pt; width: 19.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 19.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8224;<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 19.5pt; position: var(--position); top: 0pt; width: 465.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 465.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">The term &#8220;new or revised financial accounting standard&#8221; refers to any update issued by the Financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.63pt; width: 465.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Accounting Standards Board to its Accounting Standards Codification after April 5, 2012.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 174.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Indicate by check mark whether the registrant has filed a report on and attestation to its management&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 186.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 198.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Sarbanes-Oxley Act (15 U.S.C.7262(b)) by the registered public accounting firm that prepared or issued its <span style="display: inline-block; 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position: var(--position); top: 261.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial statements. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 651.8299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-1" name="dei:DocumentFinStmtErrorCorrectionFlag" format="ixt:fixed-false" id="f-84">&#9744;</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 288.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Indicate by check mark whether any of those error corrections are restatements that required a recovery <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">analysis of incentive based compensation received by any <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 818.02pt; position: var(--position); text-decoration: none; white-space: pre;">of<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 826.91pt; position: var(--position); text-decoration: none; white-space: pre;"> the registrant&#8217;s executive officers during the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 312.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">relevant recovery period pursuant to &#167;240.10D-1(b). <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 789.51pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-1" name="dei:DocumentFinStmtErrorCorrectionFlag" format="ixt:fixed-false" id="f-85">&#9744;</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 339.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Indicate by check mark which basis of accounting the registrant has used to prepare the financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 351.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">statements included in this filing: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 378.16pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 486pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 121.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 8.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 238.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 8.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 109.5pt;"/></tr><tr style="height: 38.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 0pt; position: var(--position); top: 0pt; width: 121.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 121.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">U.S.&#160;GAAP&#9744;<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 121.5pt; position: var(--position); top: 0pt; width: 8.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 8.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 129.75pt; position: var(--position); top: 0pt; width: 238.5pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 2.75pt; width: 238.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-1" name="dei:DocumentAccountingStandard" id="f-86">International Financial Reporting Standards</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 196.17pt; position: var(--position); text-decoration: none; white-space: pre;"> as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 238.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">issued by the International Accounting Standards <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 238.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Board &#9746;<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 368.25pt; position: var(--position); top: 0pt; width: 8.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 8.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 376.5pt; position: var(--position); top: 0pt; width: 109.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 109.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other&#160;&#160;&#9744;<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 436.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">If &#8220;Other&#8221; has been checked in response to the previous question, indicate by check mark which financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 448.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">statement item the registrant has elected to follow. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#9744;&#160;Item 17&#160;&#9744;&#160;Item 18 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 502.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">If this is an annual report, indicate by check mark whether the registrant is a shell company (as defined in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 514.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 555.02pt; position: var(--position);">Rule 12b-2 of the Exchange Act).<span style="display: inline-block; height: 7.5pt; width: 34.31pt;"></span></span><span style="left: 735.02pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 771.02pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 807.02pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 843.02pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 879.02pt; position: var(--position);"> &#9744;&#160;Yes&#160;<span style="display: inline-block; height: 7.5pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 909.51pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-1" name="dei:EntityShellCompany" format="ixt:fixed-false" id="f-87">&#9746;</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 917.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;No <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div style="left: 0pt; position: var(--position); top: -0.1pt;"><img src="ing-20231231_g1.jpg" alt="Front page ING group Annual report 20-F.jpg" style="height: 607.67pt; width: 1080pt;"/></div><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_7"></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_10"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Contents<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 147.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Part I<span style="display: inline-block; height: 12pt;"></span></span></div><div style="position: var(--position); top: 181.51pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 489.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 24pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 372.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 78pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 15pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 24pt; position: var(--position); top: 0pt; width: 372.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_13">PRESENTATION OF INFORMATION</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 0pt; width: 78pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 78pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.74pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_13">5</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 24pt; position: var(--position); top: 14.25pt; width: 372.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_16">CAUTIONARY STATEMENT WITH RESPECT TO FORWARD-LOOKING STATEMENTS</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 14.25pt; width: 78pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 78pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.74pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_13">6</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 24pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 24pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_16">1</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 24pt; position: var(--position); top: 28.5pt; width: 372.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_22">IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISORS</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 28.5pt; width: 78pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 78pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.74pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_16">8</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 24pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 24pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_25">2</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 24pt; position: var(--position); top: 42.75pt; width: 372.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_25">OFFER STATISTICS AND EXPECTED TIMETABLE</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 42.75pt; width: 78pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 78pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.74pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_16">8</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 24pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 24pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_28">3</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 24pt; position: var(--position); top: 57pt; width: 372.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_28">KEY INFORMATION</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 57pt; width: 78pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 78pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.74pt; position: var(--position); text-decoration: none; white-space: pre;">8<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 24pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 24pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_31">4</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 24pt; position: var(--position); top: 71.25pt; width: 372.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_31">INFORMATION ON THE COMPANY</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 71.25pt; width: 78pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 78pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 64.11pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_31">25</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 24pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 24pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_40">4A</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 24pt; position: var(--position); top: 85.5pt; width: 372.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_40">UNRESOLVED STAFF COMMENTS</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 85.5pt; width: 78pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 78pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 64.11pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_40">71</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 24pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 24pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_43">5</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 24pt; position: var(--position); top: 99.75pt; width: 372.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_43">OPERATING AND FINANCIAL REVIEW AND PROSPECTS</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 99.75pt; width: 78pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 78pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 64.11pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_43">72</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 24pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 24pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_46">6</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 24pt; position: var(--position); top: 114pt; width: 372.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_46">DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 114pt; width: 78pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 78pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 64.11pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_46">88</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 128.25pt; width: 24pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 24pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_58">7</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 24pt; position: var(--position); top: 128.25pt; width: 372.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_58">MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 128.25pt; width: 78pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 78pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 58.48pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_58">125</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 142.5pt; width: 24pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 24pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_61">8</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 24pt; position: var(--position); top: 142.5pt; width: 372.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_61">FINANCIAL INFORMATION</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 142.5pt; width: 78pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 78pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 58.48pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_61">127</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 156.75pt; width: 24pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 24pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_64">9</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 24pt; position: var(--position); top: 156.75pt; width: 372.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_64">THE OFFER AND LISTING</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 156.75pt; width: 78pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 78pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 58.48pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_64">128</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 171pt; width: 24pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 24pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_67">10</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 24pt; position: var(--position); top: 171pt; width: 372.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_67">ADDITIONAL INFORMATION</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 171pt; width: 78pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 78pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 58.48pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_67">129</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 185.25pt; width: 24pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 24pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_70">11</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 24pt; position: var(--position); top: 185.25pt; width: 372.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_70">QUANTITATIVE AND QUALITATIVE DISCLOSURE ABOUT MARKET RISK</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 185.25pt; width: 78pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 78pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 58.48pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_70">135</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 199.5pt; width: 24pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 24pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_73">12</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 24pt; position: var(--position); top: 199.5pt; width: 372.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_73">DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 199.5pt; width: 78pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 78pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 58.48pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_73">136</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 420.26pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Part<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 70.78999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> II<span style="display: inline-block; height: 12pt;"></span></span></div><div style="position: var(--position); top: 454.46pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 493.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 30pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 408.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 16.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 30pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_79">13</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 30pt; position: var(--position); top: 0pt; width: 408.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_79">DEFAULTS, DIVIDEND ARREARAGES AND DELINQUENCIES</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 0pt; width: 38.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.73pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_79">139</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 30pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_82">14</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 30pt; position: var(--position); top: 14.25pt; width: 408.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_82">MATERIAL MODIFICATIONS TO THE RIGHTS OF SECURITY HOLDERS AND USE OF PROCEEDS</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 14.25pt; width: 38.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.73pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_82">139</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 30pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_85">15</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 30pt; position: var(--position); top: 28.5pt; width: 408.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_85">CONTROLS AND PROCEDURES</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.73pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_85">139</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 30pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_88">16A</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 30pt; position: var(--position); top: 42.75pt; width: 408.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_88">AUDIT COMMITTEE FINANCIAL EXPERT</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.73pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_88">141</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 30pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_91">16B</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 30pt; position: var(--position); top: 57pt; width: 408.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_91">CODE OF ETHICS</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 57pt; width: 38.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.73pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_91">141</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 30pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_94">16C</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 30pt; position: var(--position); top: 71.25pt; width: 408.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_94">PRINCIPAL ACCOUNTANT FEES AND SERVICES</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.73pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_94">142</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); 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height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 85.5pt; width: 38.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.73pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_97">143</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="position: var(--position); top: 127.31pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 493.5pt;"><div><table style="border-collapse: collapse; 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text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); 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vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 67.5pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 30pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_103">16F</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 30pt; position: var(--position); top: 67.5pt; width: 408.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408.75pt;"><span style="color: #333333; 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height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 81.75pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 30pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_106">16G</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 30pt; position: var(--position); top: 81.75pt; width: 408.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_106">CORPORATE GOVERNANCE</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 81.75pt; width: 38.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.73pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_106">146</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 96pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 30pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_109">16H</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 30pt; position: var(--position); top: 96pt; width: 408.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_109">MINE SAFETY DISCLOSURE</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 96pt; width: 38.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.73pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_109">147</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 110.25pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 30pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_112">16I</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 30pt; position: var(--position); top: 110.25pt; width: 408.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_112">DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTIONS</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 110.25pt; width: 38.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.73pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_112">147</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 124.5pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 30pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_112">16J</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 30pt; position: var(--position); top: 124.5pt; width: 408.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_112">INSIDER TRADING POLICIES</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 124.5pt; width: 38.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.73pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_112">147</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 138.75pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 30pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">16K<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 30pt; position: var(--position); top: 138.75pt; width: 408.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">CYBERSECURITY<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 138.75pt; width: 38.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 18.73pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_1099511629128">147</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="line-height: 16pt; position: var(--position); top: 305.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Part III<span style="display: inline-block; height: 12pt;"></span></span></div><div style="position: var(--position); top: 339.51pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 494.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 30pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 408pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 19.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 30pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">17</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 30pt; position: var(--position); top: 0pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_118">FINANCIAL STATEMENTS</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 0pt; width: 36.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 17.23pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_118">150</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 30pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">18</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 30pt; position: var(--position); top: 14.25pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_121">FINANCIAL STATEMENTS</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 14.25pt; width: 36.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 17.23pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_121">150</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 30pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 30pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_124">19</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 30pt; position: var(--position); top: 28.5pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_124">EXHIBITS</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 28.5pt; width: 36.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 17.23pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_124">151</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="line-height: 16pt; position: var(--position); top: 407.26pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Additional information<span style="display: inline-block; height: 12pt;"></span></span></div><div style="position: var(--position); top: 441.46pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 495pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 432pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 21pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 432pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 432pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">RISK MANAGEMENT</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432pt; position: var(--position); top: 0pt; width: 42pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 22.48pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">154</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 432pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 432pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_160">SELECTED STATISTICAL INFORMATION ON BANKING OPERATIONS</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432pt; position: var(--position); top: 14.25pt; width: 42pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 22.48pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_160">228</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_13"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Presentation of information<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In this Annual Report, and unless otherwise stated or the context otherwise dictates, references to "ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Groep N.V.", "ING Groep NV", "ING Groep" and "ING Group" refer to ING Groep NV and references to "ING", <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the "Company", the "Group", "we" and "us" refer to ING Groep NV and its consolidated subsidiaries. ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Groep N.V.'s primary&#160; banking subsidiary is ING Bank N.V. (together with its consolidated subsidiaries, "ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Bank"). References to "Executive Board" and "Supervisory Board" refer to the Executive Board or Supervisory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Board of ING Groep N.V., respectively.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 229.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING presents its consolidated financial statements in euros, the currency of the European Economic and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 241.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Monetary Union. Unless otherwise specified or the context otherwise requires, references to &#8220;$&#8221;, &#8220;US$&#8221; and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 253.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8220;Dollars&#8221; are to the United States dollars and references to "&#8364;" and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 339.6pt; position: var(--position); text-decoration: none; white-space: pre;">&#8220;EUR&#8221; are to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 396.62pt; position: var(--position); text-decoration: none; white-space: pre;">euros. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 280.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING prepares financial information in accordance with International Financial Reporting Standards as issued <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 292.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by the International Accounting Standards Board (&#8220;IFRS-IASB&#8221;) for purposes of reporting with the U.S. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 304.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Securities and Exchange Commission (&#8220;SEC&#8221;), including financial information contained in this Annual Report <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 316.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on Form 20-F. ING Group&#8217;s accounting policies and its use of various options under IFRS-IASB are described <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">under<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 66.37pt; position: var(--position); text-decoration: none; white-space: pre;"> Note '<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 95.35pt; position: var(--position); text-decoration: none; white-space: pre;">1.2&#160;  Basis of preparation of the Consolidated financial statements<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 389.29999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 391.5pt; position: var(--position); text-decoration: none; white-space: pre;"> in the consolidated financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 340.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statements. In this document the term &#8220;IFRS-IASB&#8221; is used to refer to IFRS-IASB as applied by ING Group. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 367.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The published 2023 Financial Statements of ING Group, however, are prepared in accordance with IFRS-EU. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 379.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">IFRS-EU refers to International Financial Reporting Standards (&#8220;IFRS&#8221;) as adopted by the European Union <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 391.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(&#8220;EU&#8221;), including the decisions ING Group made with regard to the options available under IFRS as adopted <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 403.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by the EU (IFRS-EU).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">IFRS-EU differs from IFRS-IASB, in respect of certain paragraphs in IAS 39 &#8216;Financial Instruments: Recognition <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and Measurement&#8217; regarding hedge accounting for portfolio hedges of interest rate risk. Under IFRS-EU, ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Group applies fair value hedge accounting for portfolio hedges of interest rate risk (fair value macro hedges) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in accordance with the EU &#8220;carve-out&#8221; version of IAS 39. Under the EU &#8220;IAS 39 carve-out&#8221;, hedge accounting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">may be applied, in respect of fair value macro hedges, to core deposits and hedge ineffectiveness is only <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">recognised when the revised estimate of the amount of cash flows in scheduled time buckets falls below the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">original designated amount of that bucket, and is not recognised when the revised amount of cash flows in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">scheduled time buckets is more than the original designated amount. Under IFRS-IASB, hedge accounting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for fair value macro hedges cannot be applied to core deposits and hedge ineffectiveness arises whenever <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the revised estimate of the amount of cash flows in scheduled time buckets is either more or less than the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">original designated amount of that bucket. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 749.27pt; position: var(--position); text-decoration: none; white-space: pre;">IFRS-IASB financial information is prepared by reversing the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hedge accounting impacts that are applied under the EU &#8220;carve-out&#8221; version of IAS 39.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 940.5699999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> Financial information <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">under IFRS-IASB accordingly does not take account of the possibility that, had ING Group applied IFRS-IASB <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as its primary accounting framework, it might have applied alternative hedge strategies where those <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">alternative hedge strategies could have qualified for IFRS-IASB compliant hedge accounting. These decisions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">could have resulted in different shareholders&#8217; equity and net result amounts compared to those indicated in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 334.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">this Annual Report on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other than for the purpose of SEC reporting, ING Group intends to continue to prepare its Financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Statements under IFRS-EU. A reconciliation between IFRS-EU and IFRS-IASB for shareholders&#8217; equity and net <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 385.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">result is included in Note 1 <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 675.43pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Basis of preparation and material accounting policy information<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 963.41pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217; to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 397.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Certain amounts set forth herein, such as percentages, may not sum due to rounding.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">5<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_16"></div><div style="line-height: 24pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 24pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">CAUTIONARY STATEMENT WITH RESPECT TO <span style="display: inline-block; height: 18pt;"></span></span></div><div style="line-height: 24pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 24pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">FORWARD-LOOKING STATEMENTS<span style="display: inline-block; height: 18pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 152.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Certain of the statements contained herein are not historical facts, including, without limitation, certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 164.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statements made of future expectations and other forward-looking statements that are based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 176.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management&#8217;s current views and assumptions and involve known and unknown risks and uncertainties that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 188.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">could cause actual results, performance or events to differ materially from those expressed or implied in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 200.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">such statements. Actual results, performance or events may differ materially from those in such statements <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 212.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">due to a number of factors, including, without limitation,<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 239.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">changes in general economic conditions and customer behaviour, in particular economic conditions in <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 252.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s core markets, including changes affecting currency exchange rates and the regional and global <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 265.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">economic impact of the invasion of Russia into Ukraine and related international response measures<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">changes affecting interest rate levels <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 290.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">any default of a major market participant and related market disruption <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 303.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">changes in performance of financial markets, including in Europe and developing markets <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 316.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">fiscal uncertainty in Europe and the United States <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 329.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">discontinuation of or changes in &#8216;benchmark&#8217; indices <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 341.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">inflation and deflation in our principal markets <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 354.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">changes in conditions in the credit and capital markets generally, including changes in borrower and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 367.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">counterparty creditworthiness <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 380.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">failures of banks falling under the scope of state compensation schemes <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 393.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">non-compliance with or changes in laws and regulations, including those concerning financial services, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 405.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">financial economic crimes and tax laws, and the interpretation and application thereof <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 418.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">geopolitical risks, political instabilities and policies and actions of governmental and regulatory <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 431.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">authorities, including in connection with the invasion of Russia into Ukraine and related international <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 444.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">response measures&#160; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 457.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">legal and regulatory risks in certain countries with less developed legal and regulatory frameworks <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 469.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">prudential supervision and regulations, including in relation to stress tests and regulatory restrictions on <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 482.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">dividends and distributions, (also among members of the group) <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 495.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s ability to meet minimum capital and other prudential regulatory requirements<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 508.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">changes in regulation of US commodities and derivatives businesses of ING and its customers <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 521.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">application of bank recovery and resolution regimes, including write-down and conversion powers in <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 533.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">relation to our securities <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">outcome of current and future litigation, enforcement proceedings, investigations or other regulatory <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">actions, including claims by customers or stakeholders who feel misled or treated unfairly, and other <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">conduct issues <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">changes in tax laws and regulations and risks of non-compliance or investigation in connection with tax <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">laws, including FATCA <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 128.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">operational and IT risks, such as system disruptions or failures, breaches of security, cyber-attacks, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">human error, changes in operational practices or inadequate controls including in respect of third parties <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">with which we do business and including any risks as a result of incomplete, inaccurate, or otherwise <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">flawed outputs from the algorithms and data sets utilized in artificial intelligence<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 180.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">risks and challenges related to cybercrime including the effects of cyberattacks and changes in <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 192.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">legislation and regulation related to cybersecurity and data privacy, including such risks and challenges <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 205.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">as a consequence of the use of emerging technologies, such as advanced forms of artificial intelligence <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 218.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">and quantum computing <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 231.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">changes in general competitive factors, including ability to increase or maintain market share <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 244.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">inability to protect our intellectual property and infringement claims by third parties<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 256.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">inability of counterparties to meet financial obligations or ability to enforce rights against such <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 269.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">counterparties <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 282.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">changes in credit ratings <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 295.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">business, operational, regulatory, reputation, transition and other risks and challenges in connection with <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 308.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">climate change and Environmental, Social and Governance (ESG)-related matters, including data and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 320.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">reporting<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 333.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">inability to attract and retain key personnel <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 346.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">future liabilities under defined benefit retirement plans <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 359.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">failure to manage business risks, including in connection with use of models, use of derivatives, or <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 372.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">maintaining appropriate policies and guidelines <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 384.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">changes in capital and credit markets, including interbank funding, as well as customer deposits, which <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 397.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">provide the liquidity and capital required to fund our operations, and<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 410.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">the other risks and uncertainties detailed in the most recent annual report of ING Groep N.V. (including <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 423.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">the Risk Factors contained therein) and ING&#8217;s more recent disclosures, including press releases, which are <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">available on www.ing.com.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 463.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This document may contain ESG-related material that has been prepared by ING on the basis of publicly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">available information, internally developed data and other third-party sources believed to be reliable. ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">has not sought to independently verify information obtained from public and third-party sources and makes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 499.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">no representations or warranties as to accuracy, completeness, reasonableness or reliability of such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 511.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">information.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 538.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Materiality, as used in the context of ESG, is distinct from, and should not be confused with, such term as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 550.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">defined in the Market Abuse Regulation or as defined for Securities and Exchange Commission (&#8216;SEC&#8217;) <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">6<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reporting purposes. Any issues identified as material for purposes of ESG in this annual report are therefore <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">not necessarily material as defined in the Market Abuse Regulation or for SEC reporting purposes. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">addition, there is currently no single, globally recognized set of accepted definitions in assessing whether <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">activities are &#8220;green&#8221; or &#8220;sustainable.&#8221; Without limiting any of the statements contained herein, we make no <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">representation or warranty as to whether any of our securities constitutes a green or sustainable security or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">conforms to present or future investor expectations or objectives for green or sustainable investing. For <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">information on characteristics of a security, use of proceeds, a description of applicable project(s) and/or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">any other relevant information, please reference the offering documents for such security.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This annual report contains inactive textual addresses to internet websites operated by us and third parties. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reference to such websites is made for information purposes only, and information found at such websites <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">is not incorporated by reference into this annual report. ING does not make any representation or warranty <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with respect to the accuracy or completeness of, or take any responsibility for, any information found at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">any websites operated by third parties. ING specifically disclaims any liability with respect to any <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">information found at websites operated by third parties. ING cannot guarantee that websites operated by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">third parties remain available following the filing of this annual report or that any information found at such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 259.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">websites will not change following the filing of this annual report. Many of those factors are beyond ING&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 271.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">control. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Any forward-looking statements made by or on behalf of ING speak only as of the date they are made, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING assumes no obligation to publicly update or revise any forward-looking statements, whether as a result <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of new information or for any other reason. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This document does not constitute an offer to sell, or a solicitation of an offer to purchase, any securities in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the United States or any other jurisdiction.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">7<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_19"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">PART I<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="position: absolute; top: 129.31pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_22"></div><div style="line-height: 27pt; position: var(--position); top: 129.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">Item 1.<span style="display: inline-block; height: 20.25pt; width: 23.41pt;"></span></span><span style="left: 147.97pt; position: var(--position);">Identity of Directors, Senior <span style="display: inline-block; height: 20.25pt;"></span></span></span></div><div style="line-height: 27pt; position: var(--position); top: 161.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Management And Advisors<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 224.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Not applicable.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 268.11pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_25"></div><div style="line-height: 27pt; position: var(--position); top: 268.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">Item 2.<span style="display: inline-block; height: 20.25pt; width: 23.41pt;"></span></span><span style="left: 147.97pt; position: var(--position);">Offer Statistics and Expected <span style="display: inline-block; height: 20.25pt;"></span></span></span></div><div style="line-height: 27pt; position: var(--position); top: 300.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Timetable<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 362.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Not applicable.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 406.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_28"></div><div style="line-height: 27pt; position: var(--position); top: 406.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">Item 3.<span style="display: inline-block; height: 20.25pt; width: 23.41pt;"></span></span><span style="left: 147.97pt; position: var(--position);">Key Information<span style="display: inline-block; height: 20.25pt;"></span></span></span></div><div style="line-height: 16pt; position: var(--position); top: 469.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">A. <span style="display: inline-block; height: 12pt; width: 17.84pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Selected financial data<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 503.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Not applicable.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 555.02pt; position: var(--position);">B. <span style="display: inline-block; height: 12pt; width: 18.82pt;"></span></span><span style="left: 591.02pt; position: var(--position);">Capitalization and indebtedness <span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This item does not apply to annual reports on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 131.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 555.02pt; position: var(--position);">C. <span style="display: inline-block; height: 12pt; width: 19.03pt;"></span></span><span style="left: 591.02pt; position: var(--position);">Reasons for the offer and use of proceeds <span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 165.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This item does not apply to annual reports on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 197.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 555.02pt; position: var(--position);">D. <span style="display: inline-block; height: 12pt; width: 17.68pt;"></span></span><span style="left: 591.02pt; position: var(--position);">Risk Factors<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 16pt; position: var(--position); top: 234.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Summary of Risk factors<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 712.46pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 268.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following is a summary of the principal risk factors that could have a material adverse effect on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 280.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reputation, business activities, financial condition, results and prospects of ING. Please carefully consider all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 292.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of the information discussed in this section &#8220;Risk Factors&#8221; for a detailed description of these risks.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 321.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risks related to financial conditions, market environment and general economic trends<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 340.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Our revenues and earnings are affected by the volatility and strength of the economic, business, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">liquidity, funding and capital markets environments of the various geographic regions in which we <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 365.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">conduct business, including Russia and Ukraine, as well as by changes in customer behaviour in these <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 378.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">regions, and an adverse change in any one region could have an impact on our business, results and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">financial condition. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 404.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Inflation, interest volatility and other interest rate changes may adversely affect our business, results <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 416.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">and financial condition.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 429.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">The default of a major market participant could disrupt the markets and may have an adverse effect on <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">our business, results and financial condition.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 455.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Continued risk of political instability and fiscal uncertainty in Europe and the United States, as well as <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">ongoing volatility in the financial markets and the economy generally have adversely affected, and may <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">continue to adversely affect, our business, results and financial condition.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 493.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Discontinuation of interest rate benchmarks may negatively affect our business, results and financial <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">condition.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 519.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Market conditions, including those observed over the past few years, may increase the risk of loans being <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">impaired and have a negative effect on our results and financial condition.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 544.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">We may incur losses due to failures of banks falling under the scope of state compensation schemes.<span style="display: inline-block; height: 12pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">8<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risks related to the regulation and supervision of the Group<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Non-compliance with laws and/or regulations concerning financial services or financial institutions, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 96.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">including with respect to financial economic crimes, could result in fines and other liabilities, penalties or <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 108.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">consequences for us, which could materially affect our business and reputation and reduce our <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 121.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">profitability.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 134.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in laws and/or regulations governing financial services or financial institutions or the application <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 147.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">of such laws and/or regulations may increase our operating costs and limit our activities.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 160.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">We are subject to additional legal and regulatory risk in certain countries with less developed or <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">predictable legal and regulatory frameworks.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 185.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">We are subject to the regulatory supervision of the ECB and other regulators with extensive supervisory <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 198.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">and investigatory powers.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 211.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Failure to meet minimum capital and other prudential regulatory requirements as applicable to us from <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 224.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">time to time may have a material adverse effect on our business, results and financial condition and on <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 236.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">our ability to make payments on certain of our securities.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 249.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Our US commodities and derivatives business is subject to CFTC and SEC regulation under the Dodd-Frank <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Act.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 275.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">We are subject to several other bank recovery and resolution regimes that include statutory write-down <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">and conversion as well as other powers, which remains subject to significant uncertainties as to the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">scope and impact on us<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 160.44pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 330.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risks related to litigation, enforcement proceedings and investigations and to changes <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 345.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in tax laws <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 363.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">We may be subject to litigation, enforcement proceedings, investigations or other regulatory actions, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">and adverse publicity.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 389.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">We are subject to different tax regulations in each of the jurisdictions where we conduct business, and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 401.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">are exposed to changes in tax laws and risks of non-compliance with proceedings or investigations with <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">respect to tax laws.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 427.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">We may be subject to US tax investigation if we fail to comply with our obligations as a Participating <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 440.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Institution in respect of the Foreign Account Tax Compliance Act (FATCA) and as a Qualified <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Intermediary in respect of other US tax regulations<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 465.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">ING is exposed to the risk of claims from customers who feel misled or treated unfairly because of advice <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">or information received.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risks related to the Group&#8217;s business and operations<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">ING may be unable to meet internal or external aims or expectations or requirements with respect to <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 96.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">ESG-related matters.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 108.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">ING may be unable to adapt its products and services to meet changing customer behaviour and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 121.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">demand, including as a result of ESG-related matters.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 134.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s business and operations are exposed to physical risks, including as a direct result of climate <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 147.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">change.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 160.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s business and operations are exposed to transition risks related to climate change.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 172.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Operational and IT risks, such as system disruptions or failures, breaches of security, cyber attacks, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 185.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">human error, changes in operational practices, inadequate controls including in respect of third parties <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 198.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">with which we do business or outbreaks of communicable diseases may adversely impact our <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">reputation, business and results.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 224.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">We are subject to increasing risks related to cybercrime and compliance with cybersecurity regulation.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 236.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Because we operate in highly competitive markets, including our home market, we may not be able to <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 249.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">increase or maintain our market share, which may have an adverse effect on our results.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 262.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">We may not always be able to protect our intellectual property developed in our products and services <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 275.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">and may be subject to infringement claims, which could adversely impact our core business, inhibit <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">efforts to monetise our internal innovations and restrict our ability to capitalise on future opportunities.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 300.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">The inability of counterparties to meet their financial obligations or our inability to fully enforce our rights <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">against counterparties could have a material adverse effect on our results.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 326.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">A downgrade or a potential downgrade in our credit ratings could have an adverse impact on our results <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">and net results.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 352.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">An inability to retain or attract key personnel may affect our business and results.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">We may incur further liabilities in respect of our defined benefit retirement plans if the value of plan <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 377.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">assets is not sufficient to cover potential obligations, including as a result of differences between actual <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">results and underlying actuarial assumptions and models.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 420.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risks related to the Group&#8217;s risk management practices<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 438.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Risks relating to our use of quantitative models or assumptions to model client behaviour for the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">purposes of our market calculations may adversely impact our reputation or results.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 464.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">We may be unable to manage our risks successfully through derivatives.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 494.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risks related to the Group&#8217;s liquidity and financing activities<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 512.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Adverse conditions in the capital and credit markets, or significant withdrawals of customer deposits, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 525.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">may impact our liquidity, borrowing and capital positions, as well as the cost of liquidity, borrowings and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 538.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">capital.<span style="display: inline-block; height: 12pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">9<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">As a holding company, ING Groep N.V. is dependent for liquidity on payments from its subsidiaries, many <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">of which are subject to regulatory and other restrictions on their ability to transact with affiliates.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 107.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Additional risks relating to ownership of ING shares<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 125.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Holders of ING shares may experience dilution of their holdings and may be impacted by any share <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 138.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">buyback programme.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 151.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Because we are incorporated under the laws of the Netherlands and many of the members of our <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 164.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory and Executive Board and our officers reside outside of the United States, it may be difficult to <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 177.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">enforce judgements of US courts against ING or the members of our Supervisory and Executive Boards or <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 189.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">our officers.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 228.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk factors <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 251.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Any of the risks described below could have a material adverse effect on the business activities, financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 263.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">condition, results and prospects of ING as well as ING&#8217;s reputation. ING may face a number of the risks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 275.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">described below simultaneously and some risks described below may be interdependent. While the risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 287.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">factors below have been divided into categories, some risk factors could belong in more than one category <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 299.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and investors should carefully consider all of the risk factors set out in this section. Additional risks of which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 311.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Company is not presently aware, or that are currently viewed as immaterial, could also affect the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 323.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business operations of ING and have a material adverse effect on ING&#8217;s business activities, financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 335.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">condition, results and prospects. The market price of ING shares or other securities could decline due to any <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 347.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of those risks including the risks described below, and investors could lose all or part of their investments.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Although the most material risk factors have been presented first within each category, the order in which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 386.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the remaining risk factors are presented is not necessarily an indication of the likelihood of the risks actually <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 398.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">materialising, of the potential significance of the risks or of the scope of any potential negative impact to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 410.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our business, results, financial condition and prospects.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 439.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risks related to financial conditions, market environment and general economic trends<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 470.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our revenues and earnings are affected by the volatility and strength of the economic, <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 485.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business, liquidity, funding and capital markets environments of the various geographic <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 499.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regions in which we conduct business, as well as by changes in customer behaviour in <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 514.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">these regions, and an adverse change in any one region could have an impact on our <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 528.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business, results and financial condition.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Because ING is a multinational banking and financial services corporation, with a global presence and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">serving 40 million customers, corporate clients and financial institutions in 38 countries, ING&#8217;s business, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">results and financial condition may be significantly impacted by turmoil and volatility in the worldwide <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial markets or in the particular geographic areas in which we operate. In Retail Banking, our products <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">include savings, payments, investments, loans and mortgages. In Wholesale Banking, we provide specialised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">lending, tailored corporate finance, debt and equity market solutions, payments &amp; cash management, trade <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and treasury services. Negative developments in relevant financial markets and/or countries or regions have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in the past had and may in the future have a material adverse impact on our business, results and financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">condition, including as a result of the potential consequences listed below.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Factors such as inflation or deflation, interest rates, securities prices, credit spreads, liquidity spreads, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">exchange rates, consumer spending, changes in customer behaviour, climate change, business investment, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">real estate values and private equity valuations, government spending the volatility and strength of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">capital markets, political events and trends, supply chain disruptions, shortages, terrorism, pandemics and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">epidemics (such as the recent Covid-19 pandemic) or other widespread health emergencies all impact the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business and economic environment and, ultimately, our solvency, liquidity and the amount and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">profitability of business we conduct in a specific geographic region. Some of these risks are often <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">experienced globally as well as in specific geographic regions and are described in greater detail below <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 283.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">under the headings: 'Interest rate volatility and other interest rate changes may adversely affect our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 295.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business, results and financial condition'; 'Inflation and deflation may negatively affect our business, results <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and financial condition'; 'Market conditions, including those observed over the past few years may increase <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the risk of loans being impaired and have a negative effect on our results and financial condition'; and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">'Continued risk of political instability and fiscal uncertainty in Europe and the United States, as well as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ongoing volatility in the financial markets and the economy generally have adversely affected, and may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">continue to adversely affect, our business, results and financial condition'. All of these are factors in local <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and regional economies as well as in the global economy, and we may be affected by changes in any one <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of these factors in any one country or region, and more if more of these factors occur simultaneously and/<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">or in multiple countries or regions or on a global scale.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In case one or more of the factors mentioned above adversely affects the profitability of our business, this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">might also result, among other things, in the following:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 442.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">inadequate reserves or provisions, in relation to which losses could ultimately be realised through profit <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 455.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">and loss and shareholders&#8217; equity;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 468.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">the write-down of tax assets impacting net results and/or equity;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 481.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">impairment expenses related to goodwill and other intangible assets, impacting our net result and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">equity; and/or <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 506.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">movements in risk-weighted assets for the determination of required capital.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 534.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In particular, we are exposed to financial, economic, market and political conditions in the Benelux countries <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 546.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and Germany, from which we derive a significant portion of our revenues in both Retail Banking and <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">10<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking, and which could present risks of economic downturn. Though less material, we also <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">derive substantial revenues in the following geographic regions: United States, T&#252;rkiye, Poland and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">remainder of Eastern Europe, Southern Europe, East Asia (primarily Singapore among others) and Australia. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In an economic downturn affecting some or all of these jurisdictions, we expect that higher unemployment, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">lower family income, lower corporate earnings, higher corporate and private debt defaults, lower business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investments and lower consumer spending would adversely affect the demand for banking products, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that ING may need to increase its reserves and provisions, each of which may result in overall lower <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">earnings. Securities prices, real estate values and private equity valuations may also be adversely impacted, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and any such losses would be realised through profit and loss and shareholders&#8217; equity. We also offer a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">number of financial products that expose us to risks associated with fluctuations in interest rates, securities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">prices, corporate and private default rates, the value of real estate assets, exchange rates and credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 196.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">spreads. Further, while the Covid-19 pandemic and related response measures have eased, the effects of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 208.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">these measures (including consequences for commercial real estate occupancies and valuations as a result <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 220.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the increased prevalence of work-from-home or hybrid working arrangements) are still being felt in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial performance and stability of certain of our business customers. As a result, their impact may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">continue to affect our business. We also have wholesale banking activities in both Russia and Ukraine, as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">well as investments in Russia, some of which are denominated in local currency. In response to Russia&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 268.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">invasion of Ukraine, the international community imposed various punitive measures, including sanctions, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 280.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">capital controls, restrictions on SWIFT access and restrictions on central bank activity. These measures have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 292.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">significantly impacted, and may continue to significantly impact, Russia&#8217;s economy and have contributed to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 304.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">heightened instability in global markets and increased inflation due in part to supply chain constraints, as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">well as higher energy and commodity prices. Should prices remain elevated for an extended period, most <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">businesses and households would be negatively impacted, and our business in Russia and Ukraine, as well <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as our broader business, may be adversely affected, including through spill-over risk to the entire wholesale <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">banking portfolio (e.g. commodities financing, energy and utilities and energy-consuming clients).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Environmental and/or climate risks may also directly and indirectly impact ING, for example through, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">among other things, losses suffered as a result of extreme weather events, the impact of climate-related <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">transition risk on the risk and return profile or value of security or operations of certain categories of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customer to which ING has exposure. In addition, these risks may also increase ING&#8217;s reputational and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">litigation risk if the economic activity that ING supports is not in line with community expectations or ING&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 439.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">external commitments or legal or regulatory requirements (this includes, but is not limited to, greenwashing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For further information on ING&#8217;s exposure to particular geographic areas, see Note 31 &#8216;Information on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">geographical areas&#8217; to the consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Market conditions, including those observed over the past few years, may increase the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk of loans being impaired and have a negative effect on our results and financial <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">condition.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 125.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We are exposed to the risk that our borrowers (including sovereigns) may not repay their loans according to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 137.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">their contractual terms and that the collateral securing the payment of these loans may be insufficient. We <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 149.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">may see adverse changes in the credit quality of our borrowers and counterparties, for example, as a result <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 161.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of their inability to refinance their indebtedness or in the case of a decline in financial performance. Adverse <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 173.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">changes in the credit quality of our borrowers and/or decreasing collateral values would result in increased <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 185.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">capital requirements and provisions, and any deterioration of market conditions may lead to increasing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 197.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">delinquencies, defaults and insolvencies across a range of sectors. This may lead to impairment charges on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 209.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">loans and other assets, higher costs and additions to loan loss provisions. A significant increase in the size of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 221.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our provision for loan losses could have a material adverse effect on our business, results and financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 233.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">condition. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">If we are significantly exposed to a concentrated set of customers or counterparties, an adverse event <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">affecting these parties could lead to increased losses for the Group, and adversely affect our business, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">results and financial condition.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 315.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We may incur losses due to failures of banks falling under the scope of state <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 329.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compensation schemes.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 360.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">While prudential regulation is intended to minimise the risk of bank failures, in the event such a failure <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">occurs, given our size, we may incur significant compensation payments to be made under the Dutch <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 384.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Deposit Guarantee Scheme (DGS), which we may be unable to recover from the bankrupt estate, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 396.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">therefore the consequences of any future failure of such a bank could be significant to ING. Such costs and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 408.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the associated costs to be borne by us may have a material adverse effect on our results and financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 420.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">condition. On the basis of the EU Directive on deposit guarantee schemes, ING pays quarterly risk-weighted <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contributions into a DGS-fund. The DGS-fund is to grow to a target size of 0.8 percent of all deposits <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">guaranteed under the DGS, which is expected to be reached in July 2024. In case of failure of a Dutch bank, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">depositor compensation is paid from the DGS-fund. If the available financial means of the fund are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">insufficient, Dutch banks, including ING, may be required to pay extraordinary ex-post contributions not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">exceeding 0.5 percent of their covered deposits per calendar year. In exceptional circumstances, and with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the consent of the competent authority, higher contributions may be required. However, extraordinary ex-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">post contributions may be temporarily deferred if, and for so long as, they would jeopardise the solvency or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">liquidity of a bank. Depending on the size of the failed bank, the available financial means in the fund, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the required additional financial means, the impact of the extraordinary ex-post contributions on ING may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">be material.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">11<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Since 2015, the EU has been discussing the introduction of a pan-European deposit guarantee scheme <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(EDIS), which would (partly) replace or complement national compensation schemes. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On 18 April 2023, the European Commission published its proposals for the revision of the common <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 117.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">framework for bank crisis management and deposit insurance (CMDI) that focuses on small and medium-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 129.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sized banks, but will affect all EU banks. The CMDI framework consists of the Bank Recovery and Resolution <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 141.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Directive (BRRD), the Single Resolution Mechanism (SRMR) and the Deposit Guarantee Schemes Directive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 153.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(DGSD). The revision of the CMDI framework is part of the debate on the completion of the Banking Union <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 165.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and in particular its third and missing pillar EDIS. As at the date hereof, EDIS has not yet been adopted by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 177.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the European Commission.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 206.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risks related to the regulation and supervision of the Group<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 238.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Non-compliance with applicable laws and/or regulations, including with respect to <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 252.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial economic crimes, could result in fines and other liabilities, penalties or <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 267.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consequences for us, which could materially affect our business and reputation and <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 281.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reduce our profitability.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 312.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING has faced, and in the future may continue to face, the consequences of non-compliance with applicable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 324.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">laws and regulations, including the potential commencement of regulatory investigations or legal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 336.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">proceedings. For additional information on legal proceedings, see Note 42 &#8216;Legal proceedings&#8217; in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 348.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consolidated financial statements. There are potential risks in areas where applicable regulations may be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 360.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">unclear: subject to multiple interpretations or under development; where regulations may conflict with one <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">another; or where regulators revise their previous guidance or courts overturn previous rulings. These could <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 384.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">result in our failure to meet applicable standards. Regulators and other authorities have the power to bring <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 396.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investigations and/or administrative or judicial proceedings against us, which could result, among other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 408.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">things, in suspension or revocation of our licences, cease and desist orders, fines, civil penalties, criminal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 420.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">penalties or other disciplinary action, which could materially harm our results and financial condition as well <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as ING&#8217;s reputation. If we fail to address, or appear to fail to address, any of these matters appropriately, our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reputation could be harmed and we could be subject to additional legal risk, which could, in turn, increase <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the size and number of claims and damages brought against us or subject us to enforcement actions, fines <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and penalties.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 497.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, as a financial institution, we are exposed to the risk of unintentional involvement in criminal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 509.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">activity in connection with financial economic crimes, including sanctions circumvention and money <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 521.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">laundering and the funding of terrorist and other criminal activities. The failure or perceived failure by us to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 533.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">comply with legal and regulatory requirements with respect to financial economic crimes may result in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 545.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adverse publicity, claims and allegations, litigation and regulatory investigations and sanctions, which may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">have a material adverse effect on our business, results, financial condition and/or prospects in any given <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">period. For further discussion on the impact of litigation, enforcement proceedings, investigations or other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory actions with respect to financial economic crimes, see 'We may be subject to litigation, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">enforcement proceedings, investigations or other regulatory actions, and adverse publicity' below.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 129.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in laws and/or regulations governing financial services or financial institutions <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 144.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">or the application of such laws and/or regulations may increase our operating costs and <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 158.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">limit our activities.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We are subject to detailed banking laws and financial regulations in the jurisdictions in which we conduct <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business. Regulation of the industries in which we operate has become more extensive and complex, while <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">also attracting supervisory scrutiny. Compliance with applicable and new laws and regulations is resource-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">intensive, and may materially increase our operating costs. Moreover, these regulations intend to protect <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our customers, markets and society as a whole and can limit or redirect our activities, among others, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">through stricter net capital, market conduct and transparency requirements and restrictions on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">businesses in which we can operate or invest.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 291.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our revenues and profitability and those of our industry have been and will continue to be impacted by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requirements relating to capital, additional loss-absorbing capacity, leverage, minimum liquidity and long-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">term funding levels, requirements related to resolution and recovery planning, derivatives clearing and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">margin rules and levels of regulatory oversight, as well as limitations on which and, if permitted, how certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business activities may be carried out by financial institutions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 368.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We are subject to additional legal and regulatory risk in certain countries where we <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 382.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">operate with less developed or predictable legal and regulatory frameworks.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 413.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In certain countries in which we operate or where our clients reside, judiciary and dispute resolution systems <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 425.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">may be less effective. As a result, in case of a breach of contract, we may have difficulties in making and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 437.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">enforcing claims against contractual counterparties and, if claims are made against us, we might encounter <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 449.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">difficulties in mounting a defence against such allegations. If we become party to legal proceedings in a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 461.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">market with an insufficiently developed judicial system, it could have an adverse effect on our operations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 473.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and net results.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, as a result of our operations in certain countries, we are subject to risks of possible <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 514.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">nationalisation, expropriation, price controls, exchange controls and other restrictive government actions, as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 526.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">well as the outbreak of hostilities and/or war, in these markets. In particular, we have wholesale banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 538.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">activities in both Russia and Ukraine, as well as investments in Russia, some of which are denominated in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 550.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">local currency. Furthermore, the current economic environment in certain countries in which we operate <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">12<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">may increase the likelihood for regulatory initiatives to enhance consumer protection or to protect <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">homeowners from foreclosures. Any such regulatory initiative could have an adverse impact on our ability <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to protect our economic interest, for instance in the event of defaults on residential mortgages.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 117.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We are subject to the regulatory supervision of the ECB and other regulators with <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 132.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">extensive supervisory and investigatory powers.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In its capacity as principal prudential supervisor in the EU, the ECB has extensive supervisory and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investigatory powers, including the ability to issue requests for information, to conduct regulatory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investigations and on-site inspections, and to impose monetary and other sanctions. For example, under the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Single Supervisory Mechanism (SSM), the relevant (national) competent authorities, including the ECB, may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">conduct stress tests and have discretion to impose capital surcharges on financial institutions for risks that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are not otherwise recognised in risk-weighted assets or other surcharges depending on the individual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">situation of the bank, and take or require other measures, such as restrictions on or changes to the Group&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business. Competent authorities may also prohibit the Group from making dividend payments to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shareholders or distributions to holders of its regulatory capital instruments if the Group fails to comply with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory requirements, in particular with supervisory actions, minimum capital requirements (including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 283.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">buffer requirements) or with liquidity requirements, or if there are shortcomings in its governance and risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 295.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management processes. A failure to comply with prudential or conduct regulations could have a material <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adverse effect on the Group&#8217;s business, results and financial condition.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 336.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Failure to meet minimum capital and other prudential regulatory requirements as <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 351.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">applicable to us from time to time may have a material adverse effect on our business, <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 365.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">results and financial condition and on our ability to make payments on certain of our <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 379.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">securities.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING is subject to a variety of regulations that require us to comply with minimum requirements for capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(own funds) and additional loss-absorbing capacity, as well as for liquidity, and to comply with leverage <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">restrictions. In addition, such capital, liquidity and leverage requirements and their application and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interpretation may change. Any changes may require us to maintain more capital or to raise a different <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">type of capital by disqualifying existing capital instruments from continued inclusion in regulatory capital, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requiring replacement with new capital instruments that meet the new criteria. Sometimes changes are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">introduced subject to a transitional period during which the new requirements are being phased in, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">gradually progressing to a fully phased-in, or fully-loaded, application of the requirements. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 524.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Any failure to comply with these requirements, or to adapt to changes in such requirements, may have a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 536.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">material adverse effect on our business, results and financial condition, and may require us to seek <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 548.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">additional capital. Failures to meet minimum capital or other prudential requirements may also result in ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">being prohibited from making payments on certain of our securities. Because implementation phases and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transposition into EU or national regulation where required may often involve a lengthy period, the impact <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of changes in capital, liquidity and leverage regulations on our business, results and financial condition, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on our ability to make payments on certain of our securities, is often unclear.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 129.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our US commodities and derivatives business is subject to CFTC and SEC regulation <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 144.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">under the Dodd-Frank Act.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 173.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our affiliate ING Capital Markets LLC is registered with the Commodity Futures Trading Commission (CFTC) as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 185.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a swap dealer and is subject to CFTC regulation of the off-exchange derivatives market pursuant to Title VII <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 197.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of the US Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank). Operating as a swap <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 209.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">dealer requires compliance with CFTC regulatory requirements, which may be burdensome, impose <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 221.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">additional compliance costs and could adversely affect the profitability of this business, as well as exposing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 233.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING to the risk of non-compliance with these regulations.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 260.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Capital Markets LLC is also registered with the SEC as a security-based swap dealer. Operating as a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 272.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">security-based swap dealer requires compliance with SEC regulatory requirements, which may be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 284.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">burdensome, impose additional compliance costs and could adversely affect the profitability of this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 296.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business, as well as exposing ING to the risk of non-compliance with these regulations. While most of these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 308.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">SEC requirements apply to ING Capital Markets LLC, in addition to its CFTC swap dealer requirements, SEC <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 320.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rules have permitted an Alternative Compliance Mechanism that allows for compliance, subject to eligibility <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 332.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requirements, with CFTC capital and margin rules applying to swap dealers in lieu of SEC capital and margin <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 344.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rules applying to security-based swap dealers. ING Capital Markets LLC has elected to use the Alternative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 356.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Compliance Mechanism. However, should ING Capital Markets LLC in the future be ineligible for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 368.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Alternative Compliance Mechanism it would be subject to SEC security-based swap dealer rules for margin, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 380.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">capital, and related financial reporting instead of the CFTC swap dealer rules which could be more capital- <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 392.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">intensive.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 419.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">On 15 December 2021, the SEC proposed new rules that would for the first time impose public reporting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 431.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requirements for some significant security-based swaps positions. The rules would apply even to trades <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 443.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">between non-US counterparties, including ING Bank, provided that the issuer of the reference securities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 455.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">underlying the security-based swaps is organised in the US, the issuer of the reference securities underlying <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the security-based swaps has its principal place of business in the US, or the securities are in certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 479.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">categories registered with the SEC. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 506.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">These proposed regulations, if adopted in their current form, could constrain trading activity in security-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 518.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">based swaps. In addition, there are, or may be in the future, regulatory requirements or limitations related <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 530.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to other categories of equity derivatives, such as options or forwards, that could similarly constrain trading <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 542.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">activity in such instruments as well. These various requirements and limitations with respect to equity <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">13<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives generally could have a significant impact on the liquidity and utility of these markets, materially <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impacting ING&#8217;s business in this market. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, position limits requirements have been imposed by the CFTC for enumerated listed futures <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">referencing twenty-five physical commodities. In addition, on 1 January 2023, these position limits were <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">extended to certain positions in swaps that are &#8220;economically equivalent&#8221; to the enumerated futures <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">contracts. The position limits on futures and related swaps could limit ING&#8217;s position sizes in these swaps <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">referencing specified physical commodities and similarly limit the ability of counterparties to utilise certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of our products, to the extent that hedging exemptions from the position limits are unavailable. Any of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">foregoing factors, and any further regulatory developments with respect to commodities and derivatives, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">could have a material impact on our business, results and financial condition.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 216.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We are subject to several other bank recovery and resolution regimes that include <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 231.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statutory write-down and conversion as well as other powers, which remains subject to <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 245.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">significant uncertainties as to scope and impact on us.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 275.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We are subject to several recovery and resolution regimes, including the Single Resolution Mechanism (SRM), <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 287.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the &#8216;Bank Recovery and Resolution Directive&#8217; (BRRD) as implemented in national legislation, such as the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 299.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Dutch Financial Supervision Act. The SRM applies to banks that are supervised by the ECB under the SSM, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 311.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with the aim of ensuring an orderly resolution of failing banks at minimum cost for taxpayers and the real <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 323.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">economy. The BRRD establishes a common framework for the recovery and resolution of banks within the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 335.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">European Union, with the aim of providing supervisory authorities and resolution authorities with common <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 347.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">tools and powers to address banking crises pre-emptively to safeguard financial stability and minimise <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 359.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">taxpayers&#8217; exposure to losses. Any application of statutory write-down and conversion or other powers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 371.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">would not be expected to constitute an event of default under our securities entitling holders to seek <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 383.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">repayment. If any of these powers were to be exercised in respect of ING, there could be a material adverse <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 395.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">effect on both ING and on holders of ING securities, including through a material adverse effect on credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 407.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ratings and/or the price of our securities. Investors in our securities may lose their investment if resolution <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 419.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">measures are taken under current or future regimes.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 448.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risks related to litigation, enforcement proceedings and investigations and to changes <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 462.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in tax laws<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 493.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We may be subject to litigation, enforcement proceedings, investigations or other <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 508.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory actions, and adverse publicity.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 537.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We are involved in governmental, regulatory, arbitration and legal proceedings and investigations involving <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 549.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">claims by and against us which arise in the ordinary course of our businesses, including in connection with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our activities as financial services provider, employer, investor and taxpayer. As a financial institution, we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">are subject to specific laws and regulations governing financial services and/or financial institutions. See <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">'Risks related to the regulation and supervision of the Group. Changes in laws and/or regulations governing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial services or financial institutions or the application of such laws and/or regulations may increase our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">operating costs and limit our activities' and 'Our US commodities and derivatives business is subject to CFTC <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and SEC regulation under the Dodd-Frank Act' above. Financial reporting irregularities involving other large <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and well-known companies, possible findings of government authorities in various jurisdictions which are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">investigating several processes, notifications made by whistleblowers, increasing regulatory and law <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">enforcement scrutiny of &#8216;know your customer&#8217; anti-money laundering regulations, tax evasion, prohibited <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 172.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transactions with countries or persons subject to sanctions, and bribery or other anti-corruption measures <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 184.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and anti-terrorist-financing procedures and their effectiveness, regulatory investigations of the banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 196.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">industry, and litigation that arises from the failure or perceived failure by us to comply with legal, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 208.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory, tax and compliance requirements could result in adverse publicity and reputational harm, lead <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 220.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to increased regulatory supervision, affect our ability to attract and retain customers and employees and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 232.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">maintain access to the capital markets, result in cease and desist orders, claims, enforcement actions, fines <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 244.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and civil and criminal penalties, other disciplinary action or have other material adverse effects on us in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 256.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ways that are not predictable. With respect to sanctions, Russia&#8217;s invasion of Ukraine has fundamentally <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 268.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">changed the global political landscape, resulting in a world-wide response, whereby new and significant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 280.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sanctions packages were imposed against Russia and Belarus during 2022 and 2023. During 2023, there <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 292.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">have been several noteworthy developments highlighting the increasing focus of the EU, US, and other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 304.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">governments on the potential circumvention of sanctions against Russia, and the roles of third countries <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 316.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and companies in facilitating the circumvention or undermining of such sanction&#8217;s measures. This has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">prompted a concerted effort by governments to impose pressure on companies operating in these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">jurisdictions, and to stop the sanctions measures from being sidestepped by targeted Russian parties. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EU introduced additional measures combating sanctions circumvention and several locations have come <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">into focus as potential diversion hubs. While various sanctions include grace periods before full compliance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">is required, there is no guarantee that ING will be able to implement all required procedures within the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">applicable grace periods. In addition, some claims and allegations may be brought by or on behalf of a class <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 400.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and claimants may seek large or indeterminate amounts of damages, including compensatory, liquidated, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">treble and punitive damages. Our reserves for litigation liabilities may prove to be inadequate. Claims and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">allegations, should they become public, need not be well founded, true or successful to have a negative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">impact on our reputation. In addition, press reports and other public statements that assert some form of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 448.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">wrongdoing could result in inquiries or investigations by regulators, legislators and law enforcement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">officials, and responding to these inquiries and investigations, regardless of their ultimate outcome, is time <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">consuming and expensive. Adverse publicity, claims and allegations, litigation and regulatory investigations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and sanctions may have a material adverse effect on our business, results, financial condition and/or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 496.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">prospects in any given period.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">14<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We are subject to different tax regulations in each of the jurisdictions where we <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">conduct business, and are exposed to changes in tax laws, and risks of non-compliance <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with or proceedings or investigations with respect to, tax laws.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 123.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in tax laws (including case law) and tax treaties (including the termination thereof) could increase <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 135.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our taxes and our effective tax rates and could materially impact our tax receivables and liabilities as well as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 147.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">deferred tax assets and deferred tax liabilities, which could have a material adverse effect on our business, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 159.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">results and financial condition. Changes in tax laws could also make certain ING products less attractive, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 171.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which could have adverse consequences for our businesses and results. On 7 June 2021, the Dutch <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 183.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">government received a formal notice of termination of the Dutch-Russian tax treaty from Russia, and as a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 195.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">result, the tax treaty was terminated as of 1 January 2022. The termination of the Dutch-Russian tax treaty <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 207.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">or any other similar developments may have adverse effects on ING and ING&#8217;s customers. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 234.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Because of the geographic spread of its business, ING may be subject to tax audits, investigations and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 246.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">procedures in numerous jurisdictions at any point in time. Although we believe that we have adequately <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 258.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">provided for all our tax positions, the ultimate resolution of these audits, investigations and procedures may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 270.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">result in liabilities which are different from the amounts recognized. In addition, increased bank taxes in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 282.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">countries where the Group is active result in increased taxes on ING&#8217;s banking operations, which could <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 294.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">negatively impact our operations, financial condition and liquidity.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 323.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We may be subject to tax investigations under EU, US and local laws if we fail to comply <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 337.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with our obligations<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Due to the nature of its business, ING is subject to various provisions of EU, US, and other local tax laws in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">relation to its customers. These include amongst others the Foreign Account Tax Compliance Act (&#8220;FATCA&#8221;), <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 390.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which requires ING to provide certain information for the US Internal Revenue Service (IRS), the Qualified <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 402.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Intermediary (QI) requirements, which require withholding tax on certain US-source payments, and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Common Reporting Standards (CRS) which requires ING to provide certain information to local tax <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">authorities. Failure to comply with these requirements and regulations could harm our reputation and could <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 438.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">subject the Group to enforcement actions, fines and penalties, which could have a material adverse effect <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 450.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on our business, reputation, revenues, results, financial condition and prospects.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 479.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING is exposed to the risk of claims from customers or stakeholders who feel misled or <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 494.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">treated unfairly because of advice or information received.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 523.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our products and services, including banking products and advice services for third-party products are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 535.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exposed to claims from customers who might allege that they have received insufficient advice or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 547.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">misleading information from advisers (both internal and external) as to which products were most <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">appropriate for them, or that the terms and conditions of the products, the nature of the products or the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">circumstances under which the products were sold, were misrepresented to them. When new financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">products are brought to the market, it is ING&#8217;s policy to engage in a multidisciplinary product approval <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">process in connection with the development and distribution of such products, including production of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">appropriate marketing and communication materials. Notwithstanding these processes, customers may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">make claims against ING if the products do not meet their expectations , either at the purchase/execution of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the product and/or through the life of the product. Customer protection regulations, as well as changes in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">interpretation and perception by both the public at large and governmental authorities of acceptable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">market practices, influence customer expectations<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Products distributed through person-to-person sales forces have a higher exposure to such claims as the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sales forces may provide face-to-face financial planning and advisory services. Complaints may also arise if <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customers feel that they have not been treated reasonably or fairly, or that the duty of care has not been <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">complied with. While a considerable amount of time and resources have been invested in reviewing and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assessing historical sales practices and products that were sold in the past, and in the maintenance of risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management, legal and compliance procedures to monitor current sales practices, there can be no <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 259.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assurance that all of the issues associated with current and historical sales practices have been or will be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 271.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">identified, nor that any issues already identified will not be more widespread than presently estimated.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The negative publicity associated with any sales practices, any compensation payable in respect of any <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">such issues and regulatory changes resulting from such issues, has had and could have a material adverse <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">effect on our reputation, business, results, financial condition and prospects. For additional information <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regarding legal proceedings or claims, see Note 45 &#8216;Legal proceedings&#8217; to the consolidated financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">statements. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 375.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risks related to the Group&#8217;s business and operations<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 407.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING may be unable to meet internal or external aims or expectations or requirements <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 421.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with respect to ESG-related matters.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 451.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Environmental, Social and Governance (ESG) is an area of significant and increased focus for governments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 463.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and regulators, investors, ING&#8217;s customers and employees, and other stakeholders or third parties (e.g., non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">governmental organisations or NGOs). As a result, an increasing number of laws, regulations and legislative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">actions have been introduced to address climate change, sustainability and other ESG-related matters, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 499.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">including in relation to the financial sector&#8217;s operations and strategy. Such recent regulations include the EU <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 511.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Sustainable Finance Disclosure Regulation (SFDR), EU Taxonomy regulation and EU Green Bond Standards, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 523.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which broadly focus on disclosure obligations, standardized definitions and classification frameworks for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 535.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">environmentally sustainable activities, and the EU Corporate Sustainability Reporting Directive (CSRD), which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 547.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requires certain companies, including us, to disclose information on what they see as the risks and <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">15<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">opportunities arising from social and environmental issues, and on the impact of their activities on people <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and the environment. Third parties may pursue litigation against ING in connection with ESG-related <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">matters, such as the recently announced potential claims by Friends of the Earth Netherlands <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(Milieudefensie) in connection with financing provided by ING to certain companies whose business is reliant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on fossil fuels.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">These laws, regulations and legislative frameworks may directly and indirectly impact the business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">environment in which ING operates and may expose ING to significant risks, including amongst others, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">greenwashing risk and the risk of litigation if governmental standards or community expectations are not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">met.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">National or international regulatory actions or developments may also result in financial institutions coming <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">under increased pressure from internal and external stakeholders regarding the management and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">disclosure of their ESG risks and related lending and investment activities. ING may from time to time <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">disclose ESG-related initiatives or aims in connection with the conduct of its business and operations. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">However, there is no guarantee that ING will be able to implement such initiatives or meet such aims within <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">anticipated timeframes, or at all. ING may fail to fulfil internal or external ESG-related initiatives, aims or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">expectations, or may be perceived to fail to do so, or may fail to adequately or accurately report <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performance or developments with respect to such initiatives, aims or expectations. ING could therefore be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">criticised or held responsible for the scope of its initiatives or goals regarding such matters. In addition, ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">might face requests for specific strategies, plans or commitments to address ESG-related matters, which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">may or may not be viewed as satisfactory to the relevant internal and external stakeholders (including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">NGOs). Any of these factors may have an adverse impact on ING&#8217;s reputation and brand value, or on ING&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business, financial condition and operating results. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 375.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING may be unable to adapt its products and services to meet changing customer <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 390.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">behaviour and demand, including as a result of ESG-related matters.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 419.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Customers or other counterparties may increasingly assess sustainability or other ESG-related matters in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 431.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">their economic decisions. For instance, customers may choose investment products or services based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 443.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sustainability or other ESG criteria, or may look at a financial institution&#8217;s ESG-related lending strategy when <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 455.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">choosing to make deposits. To remain competitive and to safeguard its reputation, ING is required to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">continuously adapt its business strategy, products and services to respond to emerging, increasing or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 479.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">changing sustainability and other ESG-related demands from customers, investors and other stakeholders. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 491.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">However, there is no guarantee that ING&#8217;s current or future products or services will meet applicable ESG-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 503.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">related regulatory requirements, customer preferences or investor expectations. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s business and operations are exposed to transition risks related to climate change<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 1034.63pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 94.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The transition to a low-carbon or net-zero economy gives rise to risks and uncertainties associated with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 106.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">climate change-related laws, regulations and oversight, changing or new technologies, and shifting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 118.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customer sentiment. For instance, ING may be required to change its lending portfolio to comply with new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 130.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">climate change-related regulations and other ESG-related demands from customers, investors and other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">stakeholders. As a result, it might be unable and unwilling to lend to certain prospective customers, or lead <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to the termination of certain existing relationships with certain customers. This could result in claims or legal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">challenges from such customers against ING. This transition may also adversely impact the business and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">operations of ING&#8217;s customers and other counterparties. Further, there is a risk that changing community <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">standards and market expectations could lead to a reduction in demand and a decline in valuations for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">certain assets, which may affect the value of collateral we hold or the financial strength of certain of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">portfolios. If ING fails to adequately factor in such risks in its lending or other business decisions, ING could <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">be exposed to losses. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 253.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The low carbon or net zero transition may also require ING to modify or implement new compliance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 265.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">systems, internal controls and procedures or governance frameworks. The integration and automation of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 277.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">internal governance, compliance, and disclosure and reporting frameworks across ING could lead to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 289.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">increased operational costs for ING and other execution and operational risks. The implementation cost of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">these systems may especially be higher in the near term as ING seeks to adapt its business, or address <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 313.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">overlapping, duplicative or conflicting regulatory or other requirements in this fast-developing area. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 325.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, ING&#8217;s ongoing implementation of appropriate systems, controls and frameworks increasingly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 337.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requires ING to develop adequate climate change-related risk assessment and modelling capabilities (as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">there is currently no standard approach or methodology available), and to collect customer, third party or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">other data. There are significant risks and uncertainties inherent in the development of new risk modelling <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">methodologies and the collection of data, potentially resulting in systems or frameworks that could be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">inadequate, inaccurate or susceptible to incorrect customer, third party or other data. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Any delay or failure in developing, implementing or meeting ING&#8217;s climate change-related commitments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and regulatory requirements may have a material adverse impact on our business, financial condition, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">operating results and reputation, and lead to climate change or ESG-related investigations, enforcement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 448.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">proceedings or litigation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 477.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s business and operations are exposed to physical risks, including as a direct result <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 491.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of climate change.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 521.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s business and operations may be exposed to the impacts of physical risks arising from climate and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 533.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">weather-related events, including heatwaves, droughts, flooding, storms, rising sea levels, other extreme <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 545.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">weather events or natural disasters, and to the impacts of physical risks arising from the environmental <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">16<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">degradation, including loss of biodiversity, water or resources scarcity, pollution or waste management. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Such physical risks could disrupt ING&#8217;s business continuity and operations or impact ING&#8217;s premises or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">property portfolio, as well as its customers&#8217; property, business or other financial interests. These risks could <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">potentially result in impairing asset values, financial losses, declining creditworthiness of customers and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increased defaults, delinquencies, write-offs and impairment charges in ING&#8217;s portfolio, etc. In particular, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">changing climate patterns resulting in more frequent and extreme weather events, such as the severe <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">flooding that occurred in Western Europe in July 2021, the long-lasting bushfires in Australia in February <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2021 or the severe flooding in the eastern states of Australia in early 2022, could lead to unexpected <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business interruptions or losses for ING or its customers. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For a description of physical risks to our operations and business other than resulting from natural disasters <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as a result of climate change, see 'Operational and IT risks, such as systems disruptions or failures, breaches <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of security, cyber attacks, human error, changes in operational practices, inadequate controls including in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">respect of third parties with which we do business or outbreaks of communicable diseases may adversely <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impact our reputation, business and results' below.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 264.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Operational and IT risks, such as systems disruptions or failures, breaches of security, <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 279.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">human error, changes in operational practices, inadequate controls including in respect <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 293.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of third parties with which we do business or outbreaks of communicable diseases may <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 308.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adversely impact our reputation, business and results.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 337.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Operational and IT risks are inherent to our business. Our clients depend on our ability to process and report <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a large number of transactions efficiently and accurately. In addition, we routinely transmit, receive and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">store personal, confidential and proprietary information electronically. Losses can result from inadequately <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">trained or skilled personnel, IT failures (including due to a cyber attack), inadequate or failed internal control <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">processes and systems (including, as the role of Artificial Intelligence in the finance industry and in our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 397.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business increases, any errors as a result of incomplete, inaccurate, or otherwise flawed outputs from the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 409.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">algorithms and data sets utilized), regulatory breaches, human errors, employee misconduct, including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 421.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fraud, or from natural disasters or other external events that interrupt normal business operations. Such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">losses may adversely affect our reputation, business and results. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We depend on the secure processing, storage and transmission of confidential and other information in our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">computer systems and networks. The equipment and software used in our computer systems and networks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">may not always be capable of processing, storing or transmitting information as expected. Despite our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 496.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business continuity plans and procedures, certain of our computer systems and networks may have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 508.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">insufficient recovery capabilities in the event of a malfunction or loss of data. We are consistently managing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 520.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and monitoring our IT risk profile globally. ING is subject to increasing regulatory requirements including EU <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 532.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">General Data Protection Regulation (GDPR) and EU Payment Services Directive (PSD2) and the new Digital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 544.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Operational Resilience Act (DORA) which will enter into force in January 2025. Failure to appropriately <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">manage and monitor our IT risk profile could affect our ability to comply with these regulatory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requirements, to securely and efficiently serve our clients or to timely, completely or accurately process, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">store and transmit information, and may adversely impact our reputation, business and results. For further <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">description of the particular risks associated with cybercrime, which is a specific risk to ING as a result of its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">strategic focus on technology and innovation, see 'We are subject to increasing risks related to cybercrime <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and compliance with cybersecurity regulation' below.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, as finance industry participants are increasingly incorporating Artificial Intelligence into their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">processes and systems, the risk of data and information leaks is correspondingly increasing.&#160; Our or our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customers&#8217; sensitive, proprietary, or confidential information could be leaked, disclosed, or revealed as a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">result of or in connection with our or our third-party providers&#8217; use of generative or other Artifical <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Intelligence technologies. Any such information that we input into a third-party generative or other Artificial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Intelligence or machine learning platform could be revealed to others, including if information is used to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">train the third party's Artificial Intelligence models. Additionally, where an Artificial Intelligence model <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ingests personal information and makes connections using such data, those technologies may reveal other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sensitive, proprietary, or confidential information generated by the model.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Widespread outbreaks of communicable diseases may impact the health of our employees, increasing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">absenteeism, or may cause a significant increase in the utilisation of health benefits offered to our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">employees, either or both of which could adversely impact our business. Further, as a result of the Covid-19 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">pandemic, a significant portion of our staff continue to work from home on a full- or part-time basis, which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">may raise operational risks, including with respect to information security, data protection, availability of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">key systems and infrastructure integrity. In addition, other events including unforeseeable and/or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">catastrophic events can lead to an abrupt interruption of activities, and our operations may be subject to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 358.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">losses resulting from such disruptions. Losses can result from destruction or impairment of property, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 370.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial assets, trading positions, and the loss of key personnel. If our business continuity plans are not able <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 382.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to be implemented, are not effective or do not sufficiently take such events into account, losses may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 394.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">increase further.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 423.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We are subject to increasing risks related to cybercrime and compliance with <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 438.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cybersecurity regulation.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Like other financial institutions and global companies, we are regularly the target of cyber attacks, which is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 479.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a specific risk to ING as a result of its strategic focus on technology and innovation. In particular, threats <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 491.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from Distributed Denial of Service (DDoS), targeted attacks (also called Advanced Persistent Threats) and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 503.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ransomware have intensified worldwide, and attempts to gain unauthorised access and the sophistication <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 515.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of techniques used for such attacks is increasing. Cyber threats are constantly evolving and the techniques <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 527.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">used in these attacks change, develop and evolve rapidly, including the use of emerging technologies, such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 539.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as advanced forms of Artificial Intelligence and quantum computing. The new cyber risks introduced by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 551.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">these changes in technology require us to devote significant attention to identification, assessment and <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">17<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">analysis of the risks and implementation of corresponding preventative measures. We have faced, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">expect to continue to face, an increasing number of cyber attacks (both successful and unsuccessful) as we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">have further digitalised. This includes the continuing expansion of our mobile- and other internet-based <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">products and services, as well as our usage and reliance on cloud technology.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cybersecurity, the use and safeguarding of customer data and data privacy have become the subject of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increasing legislative and regulatory focus. The EU&#8217;s second Payment Services Directive (PSD2), GDPR and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">DORA are examples of such regulations. The resilience of financial institutions against ransomware attacks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">is now subject of the yearly stress test executed by the ECB in 2024. In certain locations where ING is active, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">there are additional local regulatory requirements and legislation on top of EU regulations that must be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">followed for business conducted in that jurisdiction. Some of these legislations and regulations may be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">conflicting due to local regulatory interpretations. We may become subject to new EU and local legislation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">or regulation concerning cybersecurity, security of customer data in general or the privacy of information <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">we may store or maintain. Compliance with such new legislation or regulation could increase the Group&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">compliance cost. Failure to comply with new and existing legislation or regulation could harm our reputation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and could subject the Group to enforcement actions, fines and penalties.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING may be exposed to the risks of misappropriation, unauthorised access, computer viruses or other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">malicious code, cyber attacks and other external attacks or internal breaches for purposes of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">misappropriating assets or sensitive information, corrupting data, or impairing operational performance, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">each of which could have a security impact. These events could also jeopardise our confidential information <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">or that of our clients or our counterparties. These events can potentially result in financial loss and harm to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our reputation, hinder our operational effectiveness, result in regulatory censure, compensation costs or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fines resulting from regulatory investigations and could have a material adverse effect on our business, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 358.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reputation, revenues, results, financial condition and prospects. Even when we are successful in defending <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 370.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">against cyber attacks, such defence may consume significant resources or impose significant additional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 382.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">costs on ING.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 409.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Although the Covid-19 pandemic has now largely subsided, there has been an increase in the digital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 421.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">behaviour of our customers leading to reduced traffic in branches. Over 95 percent of our customers now <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interact with us via digital channels only. This increased reliance on digital banking and remote working may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 445.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increase the risk of cybersecurity breaches, loss of personal data and related reputational risk. If any of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 457.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">these risks were to materialise that may adversely affect our business, results and financial condition.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Because we operate in highly competitive markets, including our home market, we may <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">not be able to increase or maintain our market share, which may have an adverse <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">effect on our results.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 123.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">There is substantial competition in the Netherlands and the other countries in which we do business for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 135.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">types of wholesale banking, retail banking, investment banking and other products and services we provide. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 147.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Customer loyalty and retention can be influenced by several factors, including brand recognition, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 159.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reputation, relative service levels, the prices and attributes of products and services, scope of distribution, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 171.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">credit ratings and actions taken by existing or new competitors (including non-bank or financial technology <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 183.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">competitors). A decline in our competitive position as to one or more of these factors could adversely <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 195.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">impact our ability to maintain or further increase our market share, which would adversely affect our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 207.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">results. Such competition is most pronounced in our more mature markets of the Netherlands, Belgium, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 219.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rest of Western Europe and Australia. In recent years, however, competition in emerging markets, such as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 231.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Asia and Central and Eastern Europe, has also increased as large financial services companies from more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 243.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">developed countries have sought to establish themselves in markets which are perceived to offer higher <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">growth potential, and as local institutions have become more sophisticated and competitive and proceeded <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to form alliances, mergers or strategic relationships with some of our competitors. The Netherlands is our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 279.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">largest market. Our main competitors in the banking sector in the Netherlands are ABN AMRO Bank and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 291.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Rabobank.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 318.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Competition could also increase due to new entrants (including non-bank and financial technology <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 330.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">competitors) in the markets that may have new operating models that are not burdened by potentially <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">costly legacy operations and that are subject to reduced regulation. New entrants may rely on new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">technologies, advanced data and analytic tools, lower cost to serve, less extensive oversight from regulators <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compared to the frameworks established in respect of traditional banks and/or faster processes to challenge <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">traditional banks. Developments in technology have also accelerated the use of new business models, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 390.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING may not be successful in adapting to this pace of change or may incur significant costs in adapting its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 402.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business and operations to meet such changes. For example, new business models have been observed in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">retail payments, consumer and commercial lending (such as peer-to-peer lending), foreign exchange and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">low-cost investment advisory services. In particular, the emergence of disintermediation in the financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 438.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sector resulting from new banking, lending and payment solutions offered by rapidly evolving incumbents, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 450.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">challengers and new entrants, in particular with respect to payment services and products, and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 462.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">introduction of disruptive technology may impede our ability to grow or retain our market share and impact <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 474.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our revenues and profitability.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 501.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Increasing competition in the markets in which we operate (including from non-banks and financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 513.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">technology competitors) may significantly impact our results if we are unable to match the products and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 525.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">services offered by our competitors. Future economic turmoil may accelerate additional consolidation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 537.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">activity. Over time, certain sectors of the financial services industry have become more concentrated, as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 549.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">institutions involved in a broad range of financial services have been acquired by or merged into other firms <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">18<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">or have declared bankruptcy. These developments could result in our competitors gaining greater access to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">capital and liquidity, expanding their ranges of products and services, or gaining geographic diversity. We <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">may experience pricing pressures as a result of these factors in the event that some of our competitors seek <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to increase market share by reducing prices, which may have a material adverse impact on our business, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">results and financial condition.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 141.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We may not always be able to protect our intellectual property developed in our <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 156.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">products and services and may be subject to infringement claims, which could <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 170.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adversely impact our core business, inhibit efforts to monetize our internal innovations <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 185.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and restrict our ability to capitalize on future opportunities.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In the conduct of our business, we rely on a combination of contractual rights with third parties and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">copyright, trademark, trade name, patent and trade secret laws to establish and protect our intellectual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">property, which we develop in connection with our products and services. Third parties may infringe or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">misappropriate our intellectual property. We may have to litigate to enforce and protect our copyrights, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">trademarks, trade names, patents, trade secrets and know-how or to determine their scope, validity or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">enforceability. In that event, we may be required to incur significant costs, and our efforts may not prove <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">successful. The inability to secure or protect our intellectual property assets could have an adverse effect on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our core business and our ability to compete, including through the monetisation of our internal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">innovations.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 337.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We may also be subject to claims made by third parties for (i) patent, trademark or copyright infringement, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(ii) breach of copyright, trademark or licence usage rights, or (iii) misappropriation of trade secrets. Any such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">claims and any resulting litigation could result in significant expense and liability for damages. If we were <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">found to have infringed or misappropriated a third-party patent or other intellectual property right <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(including where we or a third party have used generative Artificial Intelligence outputs based on data for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 397.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which the generative model may not have had consent), we could in some circumstances be enjoined from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 409.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">providing certain products or services to our customers or from utilising and benefiting from certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 421.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">methods, processes, copyrights, trademarks, trade secrets or licences. Alternatively, we could be required to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">enter into costly licensing arrangements with third parties or to implement a costly workaround. Any of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 445.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">these scenarios could have a material adverse effect on our business and results and could restrict our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 457.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ability to pursue future business opportunities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The inability of counterparties to meet their financial obligations or our inability to fully <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">enforce our rights against counterparties could have a material adverse effect on our <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">results.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 123.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Third parties that have an payment obligations to ING, or obligations to return money, securities or other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 135.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assets, may not pay or perform under their obligations. These parties include the issuers and guarantors <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 147.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(including sovereigns) of securities we hold, borrowers under loans originated, reinsurers, customers, trading <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 159.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">counterparties, securities lending and repurchase counterparties, counterparties under swaps, credit default <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 171.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and other derivative contracts, clearing agents, exchanges, clearing houses and other financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 183.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">intermediaries. Defaults by one or more of these parties on their obligations to us due to bankruptcy, lack of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 195.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">liquidity, downturns in the economy or real estate values, continuing low oil or other commodity prices, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 207.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">operational failure or other factors, or even rumours about potential defaults by one or more of these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 219.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">parties or regarding a severe distress of the financial services industry generally, could have a material <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 231.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adverse effect on our results, financial condition and liquidity. Given the high level of interdependence <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 243.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">between financial institutions, we are and will continue to be subject to the risk of deterioration of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">commercial and financial soundness, or perceived soundness, of sovereigns and other financial services <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">institutions. This is particularly relevant to our franchise as an important and large counterparty in equity, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 279.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">fixed income and foreign exchange markets, including related derivatives.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 306.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We routinely execute a high volume of transactions, such as unsecured debt instruments, derivative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 318.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transactions and equity investments with counterparties and customers in the financial services industry, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 330.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">including brokers and dealers, commercial and investment banks, mutual and hedge funds, insurance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">companies, institutional clients, futures clearing merchants, swap dealers, and other institutions, resulting in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">large periodic settlement amounts, which may result in us having significant credit exposure to one or more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of such counterparties or customers. As a result, we could face concentration risk with respect to liabilities or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">amounts we expect to collect from specific counterparties and customers. We are exposed to increased <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 390.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">counterparty risk as a result of recent financial institution failures and weakness and will continue to be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 402.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">exposed to the risk of loss if counterparty financial institutions fail or are otherwise unable to meet their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">obligations. As a result of the Russian invasion of Ukraine and related international response measures, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">including sanctions and capital controls, we may be exposed to increased risk of default of counterparties <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 438.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">located in Russia and Ukraine, counterparties of which the ultimate parent is located in Russia or may be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 450.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">considered effectively controlled or influenced through Russian involvement, and other counterparties in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 462.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sectors affected by the response measures. Also, liquidity or currency controls enforced by the Russian <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 474.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">central bank may impact Russian companies&#8217; ability to pay. In addition, we have counterparty exposure to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 486.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Russian entities in connection with foreign exchange derivatives for future receipt of foreign currencies <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 498.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">against Russian rouble (RUB). Remaining at risk for ING at year-end 2023 is &#8364;0.4 billion local equity and &#8364;1.3 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 510.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">billion credit exposures booked outside of Russia, and &#8364;0.6 billion with clients in Ukraine. A default by, or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 522.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">even concerns about the creditworthiness of, one or more of these counterparties or customers or other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 534.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial services institutions could therefore have an adverse effect on our results or liquidity.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">19<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">With respect to secured transactions, our credit risk may be exacerbated when the collateral held by us <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">cannot be liquidated or is liquidated at prices not sufficient to recover the full amount of the loan or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">derivative exposure due to us. We also have exposure to a number of financial institutions in the form of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">unsecured debt instruments, derivative transactions and equity investments. For example, we hold certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hybrid regulatory capital instruments issued by financial institutions which permit the issuer to cancel <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">coupon payments on the occurrence of certain events or at their option. The ECB has indicated that, in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">certain circumstances, it may require these financial institutions to cancel payment. If this were to happen, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">we expect that such instruments may experience ratings downgrades and/or a drop in value and we may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">have to treat them as impaired, which could result in significant losses. There is no assurance that losses on, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 172.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">or impairments to the carrying value of, these assets would not materially and adversely affect our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 184.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business, results or financial condition.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, we are subject to the risk that our rights against third parties may not be enforceable in all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">circumstances. The deterioration or perceived deterioration in the credit quality of third parties whose <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">securities or obligations we hold could result in losses and/ or adversely affect our ability to rehypothecate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">or otherwise use those securities or obligations for liquidity purposes. A significant downgrade in the credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 259.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ratings of our counterparties could also have a negative impact on our income and risk weighting, leading to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 271.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increased capital requirements. While in many cases we are permitted to require additional collateral from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 283.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">counterparties that experience financial difficulty, disputes may arise as to the amount of collateral we are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 295.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">entitled to receive and the value of pledged assets. Also in this case, our credit risk may also be exacerbated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 307.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">when the collateral we hold cannot be liquidated at prices sufficient to recover the full amount of the loan or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 319.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">derivative exposure due to us, which is most likely to occur during periods of illiquidity and depressed asset <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 331.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">valuations, such as those experienced during the financial crisis of 2008. The termination of contracts and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 343.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the foreclosure on collateral may subject us to claims. Bankruptcies, downgrades and disputes with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 355.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">counterparties as to the valuation of collateral tend to increase in times of market stress and illiquidity. Any <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 367.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of these developments or losses could materially and adversely affect our business, results, financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 379.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">condition, and/or prospects.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 408.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Ratings are important to our business for a number of reasons, and a downgrade or a <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 423.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">potential downgrade in our credit ratings could have an adverse impact on our results <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 437.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and net results.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Credit ratings represent the opinions of rating agencies regarding an entity&#8217;s ability to repay its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 479.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">indebtedness. Our credit ratings are important to our ability to raise capital and funding through the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 491.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">issuance of debt and to the cost of such financing. In the event of a downgrade, the cost of issuing debt will <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 503.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increase, having an adverse effect on our net results. Certain institutional investors may also be obliged to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 515.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">withdraw their deposits from ING following a downgrade, which could have an adverse effect on our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 527.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">liquidity. They can also have lower risk appetite for our debt notes, leading to lower purchases of (newly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 539.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">issued) debt notes. We have credit ratings from S&amp;P, Moody&#8217;s Investor Service and Fitch Ratings. Each of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rating agencies reviews its ratings and rating methodologies on a recurring basis and may decide on a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">downgrade at any time.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As rating agencies continue to evaluate the financial services industry, it is possible that rating agencies will <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">heighten the level of scrutiny that they apply to financial institutions, increase the frequency and scope of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">their credit reviews, request additional information from the companies that they rate and potentially <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adjust upward the capital and other requirements employed in the rating agency models for maintenance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of certain ratings levels. It is possible that the outcome of any such review of us would have additional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adverse ratings consequences, which could have a material adverse effect on our results and financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">condition. We may need to take actions in response to changing standards or capital requirements set by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">any of the rating agencies, which could cause our business and operations to suffer. We cannot predict <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">what additional actions rating agencies may take, or what actions we may take in response to the actions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of rating agencies.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, ING&#8217;s assets are risk-weighted. Downgrades of these assets could result in a higher risk-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">weighting, which may result in higher capital requirements. This may impact net earnings and the return on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">capital, and may have an adverse impact on our competitive position.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 291.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">An inability to retain or attract key personnel may affect our business and results.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 321.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group relies to a considerable extent on the quality of its senior management, such as members of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 333.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">executive committee, and management in the jurisdictions which are material to ING&#8217;s business and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 345.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">operations. The success of ING Group&#8217;s operations is dependent, among other things, on its ability to attract <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 357.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and retain highly qualified personnel. Competition for key personnel in most countries in which ING Group <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 369.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">operates, and globally for senior management, is intense. ING Group&#8217;s ability to attract and retain key <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 381.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">personnel, in senior management and in particular areas such as technology and operational management, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 393.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">client relationship management, finance, risk and product development, is dependent on a number of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 405.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">factors, including prevailing market conditions and compensation packages offered by companies <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 417.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">competing for the same talent.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 444.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The increasing restrictions on, and public and political scrutiny of, remuneration (especially in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 456.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands), may continue to have an impact on existing ING Group remuneration policies and individual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 468.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration packages for personnel. For example, under the EU&#8217;s amended Shareholder Rights Directive, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 480.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">known as SRD II, which came into effect on 10 June 2019, ING is required to hold a shareholder binding vote <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 492.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on ING&#8217;s Executive Board remuneration policy and Supervisory Board remuneration policy at least every four <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 504.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">years. Furthermore the shareholders have an advisory vote on ING&#8217;s remuneration report annually. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 516.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">may restrict our ability to offer competitive compensation compared with companies (financial and/or non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 528.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial) that are not subject to such restrictions and it could adversely affect ING Group&#8217;s ability to retain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 540.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">or attract key personnel, which, in turn, may affect our business and results.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">20<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We may incur further liabilities in respect of our defined benefit retirement plans if the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">value of plan assets is not sufficient to cover potential obligations, including as a result <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of differences between actual results and underlying actuarial assumptions and <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 108.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">models.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 137.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group companies operate various defined benefit retirement plans covering the post-employment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 149.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">benefits of a number of our employees. The liability recognised in our consolidated balance sheet in respect <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 161.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of our defined benefit plans is the present value of the defined benefit obligations at the balance sheet date, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 173.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">less the fair value of each plan&#8217;s assets, together with adjustments for unrecognised actuarial gains and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 185.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">losses and unrecognised past service costs. We determine our defined benefit plan obligations based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 197.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">internal and external actuarial models and calculations using the projected unit credit method. Inherent in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 209.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">these actuarial models are assumptions, including discount rates, rates of increase in future salary and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 221.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">benefit levels, mortality rates and consumer price index. These assumptions are based on available market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 233.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">data and are updated annually. Nevertheless, the actuarial assumptions may differ significantly from actual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 245.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">results due to changes in market conditions, economic and mortality trends and other assumptions. Any <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 257.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">changes in these assumptions could have a significant impact on our present and future liabilities and costs <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 269.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">associated with our defined benefit plans.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 298.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risks related to the Group&#8217;s risk management practices<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 329.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risks relating to our use of quantitative models or assumptions to model client <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 344.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">behaviour for the purposes of our market calculations may adversely impact our <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 358.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reputation or results.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We use quantitative methods, systems or approaches that apply statistical, economic financial, or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 400.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">mathematical theories, techniques and assumptions to process input data into quantitative estimates. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Errors in the development, implementation, use or interpretation of such models, or from incomplete or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">incorrect data, can lead to inaccurate, noncompliant or misinterpreted model outputs, which may adversely <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impact our reputation and results. In addition, we use assumptions in to model client behaviour for the risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 448.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">calculations in our banking books. Assumptions are used to determine the interest rate risk profile of savings <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and current accounts and to estimate the embedded option risk in the mortgage and investment portfolios. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Assumptions based on past client behaviour may not always be a reliable indicator of future behaviour. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">realisation or use of different assumptions to determine client behaviour could have a material adverse <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 496.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">effect on the calculated risk figures and, ultimately, our future results or reputation. Furthermore, we may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 508.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be subject to risks related to changes in the laws and regulations governing the risk management practices <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 520.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of financial institutions. For further information, see 'Risks related to the regulation and supervision of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 532.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Group &#8211; Changes in laws and/or regulations governing financial services or financial institutions or the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 544.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">application of such laws and/or regulations may increase our operating costs and limit our activities' above. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As noted there, regulation of the industries in which we operates is becoming increasingly more extensive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and complex, while also attracting supervisory scrutiny. Compliance failures may lead to changes in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">laws and regulations governing the risk management practices and materially increase our operating costs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 117.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We may be unable to manage our risks successfully through derivatives.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 147.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We employ various economic hedging strategies with the objective of mitigating the market risks that are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 159.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">inherent in our business and operations. These risks include currency fluctuations, changes in the fair value <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 171.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of our investments, the impact of interest rates, equity markets and credit spread changes, the occurrence <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 183.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of credit defaults and changes in client behaviour. We seek to control these risks by, among other things, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 195.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">entering into a number of derivative instruments, such as swaps, options, futures and forward contracts, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 207.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">including, from time to time, macro hedges for parts of our business, either directly as a counterparty or as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 219.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a credit support provider to affiliate counterparties. Developing an effective strategy for dealing with these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 231.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risks is complex, and no strategy can completely insulate us from risks associated with those fluctuations. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 243.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our hedging strategies also rely on assumptions and projections regarding our assets, liabilities, general <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">market factors and the creditworthiness of our counterparties that may prove to be incorrect or prove to be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">inadequate. Accordingly, our hedging activities may not have the desired beneficial impact on our results or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 279.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial condition. Poorly designed strategies or improperly executed transactions could actually increase <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 291.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our risks and losses. Hedging strategies involve transaction costs and other costs, and if we terminate a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 303.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hedging arrangement, we may also be required to pay additional costs, such as transaction fees or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 315.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">breakage costs. There have been periods in the past, and it is likely that there will be periods in the future, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 327.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">during which we have incurred or may incur losses on transactions, possibly significant, after taking into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 339.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">account our hedging strategies. Further, the nature and timing of our hedging transactions could actually <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 351.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">increase our risk and losses. Hedging instruments we use to manage product and other risks might not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 363.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">perform as intended or expected, which could result in higher realised or unrealised losses, such as credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 375.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">value adjustment risks or unexpected P&amp;L effects, and unanticipated cash needs to collateralise or settle <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 387.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">such transactions. Adverse market conditions can limit the availability and increase the costs of hedging <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 399.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">instruments, and such costs may not be recovered in the pricing of the underlying products being hedged. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 411.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, hedging counterparties may fail to perform their obligations, resulting in unhedged exposures <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 423.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and losses on positions that are not collateralised. As such, our hedging strategies and the derivatives that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 435.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">we use or may use may not adequately mitigate or offset the risks they intend to cover, and our hedging <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 447.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transactions may result in losses.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 474.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our hedging strategy additionally relies on the assumption that hedging counterparties remain able and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 486.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">willing to provide the hedges required by our strategy. Increased regulation, market shocks, worsening <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 498.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">market conditions, and/or other factors that affect or are perceived to affect the financial condition, liquidity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 510.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and creditworthiness of ING may reduce the ability and/or willingness of such counterparties to engage in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 522.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hedging contracts with us and/or other parties, affecting our overall ability to hedge our risks and adversely <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 534.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">affecting our business, results and financial condition.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">21<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risks related to the Group&#8217;s liquidity and financing activities<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 96.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We depend on the capital and credit markets, as well as customer deposits, to provide <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 110.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the liquidity and capital required to fund our operations, and adverse conditions in the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 125.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">capital and credit markets, or significant withdrawals of customer deposits, may <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 139.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impact our liquidity, borrowing and capital positions, as well as the cost of liquidity, <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 153.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">borrowings and capital.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 183.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Adverse capital market conditions have in the past affected, and may in the future affect, our cost of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 195.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">borrowed funds and our ability to borrow on a secured and unsecured basis, thereby impacting our ability <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 207.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to support and/or grow our businesses. Furthermore, although interest rates are still relatively low by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 219.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">historical standards and have been since the financial crisis in 2008, interest rates are rising and we have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 231.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">experienced, and may continue to experience, increased funding costs due in part due to the withdrawal of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 243.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">perceived government support of financial institutions in the event of future financial crises. In addition, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">liquidity in the financial markets has also been negatively impacted as market participants and market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">practices and structures adjust to new regulations.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 294.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We need liquidity to fund new and recurring business, to pay our operating expenses, interest on our debt <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 306.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and dividends on our capital stock, maintain our securities lending activities and replace certain maturing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 318.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">liabilities. Without sufficient liquidity, we will be forced to curtail our operations and our business will suffer. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 330.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The principal sources of our funding include a variety of short-and long-term instruments, including deposit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fund, repurchase agreements, commercial paper, medium- and long-term debt, subordinated debt <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">securities, capital securities and shareholders&#8217; equity.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 381.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, because we rely on customer deposits to fund our business and operations, the confidence of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 393.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customers in financial institutions may be tested in a manner that may adversely impact our liquidity and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 405.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">capital position. Consumer confidence in financial institutions may, for example, decrease due to our or our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 417.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">competitors&#8217; failure to communicate to customers the terms of, and the benefits and risks to customers of, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 429.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">complex or high-fee financial products. Reduced confidence could have an adverse effect on our liquidity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 441.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and capital position through withdrawal of deposits, in addition to our revenues and results. Because a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 453.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">significant percentage of our customer deposit base is originated via internet banking, a loss of customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 465.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">confidence may result in a rapid withdrawal of deposits over the internet.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 492.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In the event that our current resources do not satisfy our needs, we may need to seek additional financing. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 504.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The availability of additional financing will depend on a variety of factors, such as market conditions, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 516.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">general availability of credit, the volume of trading activities, the overall availability of credit to the financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 528.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">services industry, our credit ratings and credit capacity, as well as the possibility that customers or lenders <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 540.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">could develop a negative perception of our long- or short-term financial prospects. Also see under the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 552.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">heading 'Ratings are important to our business for a number of reasons, and a downgrade or a potential <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">downgrade in our credit ratings could have an adverse impact on our results and net results'. Similarly, our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">access to funds may be limited if regulatory authorities or rating agencies take negative actions against us. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">If our internal sources of liquidity prove to be insufficient, there is a risk that we may not be able to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">successfully obtain additional financing on favourable terms, or at all. Any actions we might take to access <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financing may, in turn, cause rating agencies to re-evaluate our ratings.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Disruptions, uncertainty or volatility in the capital and credit markets may also limit our access to capital. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Such market conditions may in the future limit our ability to raise additional capital to support business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">growth, or to counterbalance the consequences of losses or increased regulatory capital and rating agency <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">capital requirements. This could force us to (i) delay raising capital, (ii) reduce, cancel or postpone payment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of dividends on our shares, (iii) reduce, cancel or postpone interest payments on our other securities, (iv) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">issue capital of different types or under different terms than we would otherwise, or (v) incur a higher cost of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">capital than in a more stable market environment. This would have the potential to decrease both our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">profitability and our financial flexibility. Our results, financial condition, cash flows, regulatory capital and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rating agency capital position could be materially adversely affected by disruptions in the financial markets.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, regulatory liquidity requirements in certain jurisdictions in which we operate are remain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">stringent, undermining our efforts to maintain centralised management of our liquidity. These <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">developments may cause trapped pools of liquidity and capital, resulting in inefficiencies in the cost of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">managing our liquidity and solvency, and hinder our efforts to integrate our balance sheet. An example of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">such trapped liquidity includes our operations in Germany where German regulations impose separate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">liquidity requirements that restrict ING&#8217;s ability to move a liquidity surplus out of the German subsidiary.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 351.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As a holding company, ING Groep N.V. is dependent for liquidity on payments from its <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 366.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">subsidiaries, many of which are subject to regulatory and other restrictions on their <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 380.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ability to transact with affiliates.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 410.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V. is a holding company and, therefore, depends on dividends, distributions and other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 422.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">payments from its subsidiaries to fund dividend payments to its shareholders and to fund all payments on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 434.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">its obligations, including debt service obligations. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 461.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V.&#8217;s ability to obtain funds to meet its obligations depends on legal and regulatory restrictions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 473.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">applicable to ING Groep N.V.&#8217;s subsidiaries. Many of ING Groep N.V.&#8217;s direct and indirect subsidiaries, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 485.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">including certain subsidiaries of ING Bank N.V., may be subject to laws that restrict dividend payments, as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 497.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">well as requirements with respect to capital and liquidity levels. For example, certain local governments and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 509.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulators have taken steps and may take further steps to &#8220;ring fence&#8221; or impose minimum internal total <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 521.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">loss-absorbing capacity on the local affiliates of a foreign financial institution to protect clients and creditors <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 533.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of such affiliates in the event of financial difficulties involving such affiliates or the broader banking group. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 545.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Increased local regulation and supervision have therefore limited and may in the future further limit the <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">22<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ability to move capital and liquidity among affiliated entities and between ING Groep N.V. and its direct and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">indirect subsidiaries, limit the flexibility to structure intercompany and external activities of ING as otherwise <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">deemed most operationally efficient, and increase in the overall level of capital and liquidity required by ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on a consolidated basis.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Lower earnings of a local entity may also reduce the ability of such local entity to make dividends and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">distributions to ING Groep N.V. Other restrictions, such as restrictions on payments from subsidiaries or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">limitations on the use of funds in client accounts, may also apply to distributions to ING Groep N.V. from its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">subsidiaries. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V. has also in the past guaranteed and may in the future continue to guarantee the payment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">obligations of some of its subsidiaries, including ING Bank N.V. Any such guarantees may require ING Groep <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">N.V. to provide substantial funds or assets to its subsidiaries or the creditors or counterparties of these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">subsidiaries at a time when the guaranteed subsidiary is in need of liquidity to fund its own obligations.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 253.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Finally, ING Groep N.V., as the resolution entity of ING, has an obligation to remove impediments to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">resolution and to improve resolvability. Regulatory authorities have required and may continue to require <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING to increase capital or liquidity levels at the level of the resolution entity or at particular subsidiaries. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">may result in, among other things, the issuance of additional long-term debt issuance at the level of ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Groep N.V. or particular subsidiaries.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 330.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Additional risks relating to ownership of ING shares<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 362.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Holders of ING shares may experience dilution of their holdings and may be impacted <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 376.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by any share buyback programme.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 406.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s AT1 Securities may, under certain circumstances, convert into equity securities. Such conversion would <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 418.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">dilute the ownership interests of existing holders of ING shares and such dilution could be substantial. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 430.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Additionally, any conversion, or the anticipation of the possibility of a conversion, could depress the market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 442.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">price of ING shares. Furthermore, we may undertake future equity offerings with or without subscription <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 454.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">rights. In case of equity offerings without subscription rights, holders of ING shares may suffer dilutions. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 466.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">case of equity offerings with subscription rights, holders of ING shares in certain jurisdictions, however, may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 478.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">not be entitled to exercise such rights unless the rights and the related shares are registered or qualified for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 490.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sale under the relevant legislation or regulatory framework. Holders of ING shares in these jurisdictions may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 502.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">suffer dilution of their shareholding should they not be permitted to, or otherwise chose not to, participate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 514.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in future equity offerings with subscription rights.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 541.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Any share repurchases could affect the price of our ordinary shares, ADSs or other securities and increase <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 553.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">trading price volatility. The existence of a share buyback programme could also cause the price of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ordinary shares, ADSs or other securities to be higher than it would be in the absence of such a share <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">buyback programme, and could potentially reduce the market liquidity of our ordinary shares, ADSs or other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">securities. There can be no assurance that any share buybacks will enhance shareholder value because the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">market price of our ordinary shares or ADSs may decline below the levels at which we repurchase any <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ordinary shares or ADSs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, ING cannot guarantee that any future share buyback programme will be fully consummated. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The timing and amount of share repurchases pursuant to a share buyback programme will depend upon a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">number of factors, including market, business conditions, and the trading price of the our ordinary shares or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ADSs. A share buyback programme may also be suspended or terminated at any time, and any such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">suspension or termination could negatively affect the trading price of, increase trading price volatility of or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reduce the market liquidity of our ordinary shares, ADSs or other securities. Additionally, a share buyback <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">programme could diminish our cash reserves, which may impact our ability to finance future growth and to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">pursue possible future strategic opportunities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 252.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Because we are incorporated under the laws of the Netherlands and many of the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 267.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">members of our Supervisory and Executive Board and our officers reside outside of the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 281.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">United States, it may be difficult to enforce judgments against ING or the members of <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 296.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our Supervisory and Executive Boards or our officers.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 325.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Most of our Supervisory Board members, our Executive Board members and some of the experts named in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 337.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">this Annual Report, as well as many of our officers are persons who are not residents of the United States, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and most of our and their assets are located outside the United States. As a result, investors may not be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">able to serve process on those persons within the United States or to enforce in the United States judgments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">obtained in US courts against us or those persons based on the civil liability provisions of the US securities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">laws.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Investors also may not be able to enforce judgments of US courts under the US federal securities laws in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">courts outside the United States, including the Netherlands. The United States and the Netherlands do not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">currently have a treaty providing for the reciprocal recognition and enforcement of judgments (other than <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 448.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">arbitration awards) in civil and commercial matters. Therefore, a final judgment for the payment of money <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rendered by any federal or state court in the United States based on civil liability, whether or not predicated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">solely upon the US federal securities laws, would not be enforceable in the Netherlands unless the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">underlying claim is re-litigated before a Dutch court. However, under current practice, the courts of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 496.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands may be expected to render a judgment in accordance with the judgment of the relevant US <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 508.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">court, provided that such judgment (i) is a final judgment and has been rendered by a court which has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 520.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">established its jurisdiction on the basis of internationally accepted grounds of jurisdictions, (ii) has not been <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 532.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rendered in violation of elementary principles of fair trial, (iii) is not contrary to the public policy of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 544.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands, and (iv) is not incompatible with (a) a prior judgment of a Netherlands court rendered in a <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">23<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">dispute between the same parties, or (b) a prior judgment of a foreign court rendered in a dispute between <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the same parties, concerning the same subject matter and based on the same cause of action, provided <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that such prior judgment is not capable of being recognised in the Netherlands. It is uncertain whether this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">practice extends to default judgments as well.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Based on the foregoing, there can be no assurance that US investors will be able to enforce against us or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">members of our board of directors, officers or certain experts named herein who are residents of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands or countries other than the United States any judgments obtained in US courts in civil and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">commercial matters, including judgments under the US federal securities laws.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, there is doubt as to whether a Dutch court would impose civil liability on us, the members of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">board of directors, our officers or certain experts named herein in an original action predicated solely upon <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the US federal securities laws brought in a court of competent jurisdiction in the Netherlands against us or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">such members, officers or experts, respectively.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">24<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_31"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">Item 4.<span style="display: inline-block; height: 20.25pt; width: 23.41pt;"></span></span><span style="left: 147.97pt; position: var(--position);">Information on the Company<span style="display: inline-block; height: 20.25pt;"></span></span></span></div><div style="line-height: 16pt; position: var(--position); top: 147.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">A.<span style="display: inline-block; height: 12pt; width: 21.68pt;"></span></span><span style="left: 75.97pt; position: var(--position);">History and development of the company<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 14pt; position: var(--position); top: 184.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">General <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 216.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V. was established as a Naamloze Vennootschap (a Dutch public limited liability company) on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 228.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">March 4, 1991. ING Groep N.V. is incorporated under the laws of the Netherlands. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The corporate site of ING, www.ing.com, provides news, investor relations and general information about <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the company.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 294.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING is required to file certain documents and information with the United States Securities and Exchange <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 306.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Commission (SEC). These filings relate primarily to periodic reporting requirements applicable to issuers of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 318.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">securities, as well as to beneficial ownership reporting requirements as a holder of securities. The most <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 330.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">common filings we submit to the SEC are Forms 6-K and 20-F (periodic reporting requirements). The SEC <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">maintains an internet site that contains reports, proxy and information statements, and other information <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regarding issuers that file electronically with the SEC at http://www.sec.gov. ING&#8217;s electronic filings are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">available on the SEC&#8217;s internet site under CIK ID 0001039765 (ING Groep NV).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The official address of ING Group is:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 169.31pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 246.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 246.75pt;"/></tr><tr style="height: 74.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 74.25pt; left: 0pt; position: var(--position); top: 0pt; width: 246.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 246.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V.&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;  <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 246.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Bijlmerdreef 106&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;  <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 246.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1102 CT&#160; Amsterdam&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;  <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 38.75pt; width: 246.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">P.O. Box 1800,&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;  <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 50.75pt; width: 246.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1000 BV Amsterdam&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;  <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 62.75pt; width: 246.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">The Netherlands<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 74.25pt; width: 246.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 246.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Telephone +31 20 563 9111<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 277.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The name and address of ING Group&#8217;s agent for service of process in the United States in connection with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 289.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s registration statement on Form F-3 is:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 316.81pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 246.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 246.75pt;"/></tr><tr style="height: 65.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 65.25pt; left: 0pt; position: var(--position); top: 0pt; width: 246.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 246.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Financial Holdings Corporation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 246.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1133 Avenue of the Americas <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 246.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">New York, NY 10036<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 53.75pt; width: 246.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">United States of America<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 65.25pt; width: 246.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 246.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Telephone +1 646 424 6000<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 14pt; position: var(--position); top: 419.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in the composition of the Group<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For information on changes in the composition of the Group, reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 922.5699999999999pt; position: var(--position); text-decoration: none; white-space: pre;">Note 43 'Consolidated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">companies and businesses acquired and divested'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 778.17pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">25<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_34"></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">B.<span style="display: inline-block; height: 12pt; width: 22.66pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Business <span style="display: inline-block; height: 12pt;"></span></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 143.63pt; position: var(--position); text-decoration: none; white-space: pre;">Overview<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 211.82pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 105.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s purpose is empowering people to stay a step ahead in life and in <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 123.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business. Our strategy &#8211; making the difference for people and the <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 141.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">planet &#8211; is built around this purpose. <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 174.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In a world that is constantly changing, we aim to be digital and sustainability pioneers, skilled at adapting to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 186.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the trends impacting our business. Our two overarching priorities are providing customers with a superior <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 198.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customer experience (CX) and aiming to put sustainability at the heart of what we do. These priorities are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 210.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">supported by four &#8217;enablers&#8217;: providing seamless digital services, using our scalable technology and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 222.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">operations, staying safe and secure, and unlocking our people&#8217;s full potential.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 254.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Providing customers with a superior experience<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 281.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As an organisation, we need to be customer focused &#8211; after all, customers are who we&#8217;re here for, our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 293.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reason for being. We want to provide them with the products and services they need: executing payments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 305.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and other transactions, keeping and managing their money and savings and extending loans and making <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 317.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investments. Our aim is to do all that with an experience that is easy, instant, personal and relevant. We <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 329.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">realise that different types of customers have different needs. We can make a difference by helping them to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 341.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">plan for the future and make informed financial decisions, and by providing suitable financial products and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 353.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customised advice. Read more on how we cater to our customers&#8217; needs, private individuals, small <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 365.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">businesses and large corporates in 'Superior customer experience'.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 397.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Putting sustainability at the heart of what we do<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We have a role in society to define new ways of doing business that align with economic changes, growth <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and social impact. Climate change is one of the world&#8217;s biggest challenges, threatening societies as we know <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 448.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">them today. We&#8217;re determined to be a banking leader in building a sustainable future for customers, society <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and the environment. We want to lead by example by striving for net zero in our own operations. We also <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">want to play our part in the low-carbon transformation that&#8217;s necessary to achieve a sustainable future, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">aiming to steer our financing towards meeting global climate goals and working with clients to achieve their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 496.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">own sustainability goals. Read more on our sustainability efforts in the 'ESG overview'.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our enablers<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 102.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Providing seamless digital services<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We know that we can serve our customers better if we use robust, &#8216;always-on&#8217; channels, providing data-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">enabled personalised experiences and end-to-end digitalising processes, with human intervention only <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">where needed or desired.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Using scalable technology and operations<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 201.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">A technology and operations foundation that is modular and scalable brings many benefits, including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 213.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">support for providing a superior customer experience, increased safety, speeding up time-to-volume, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 225.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">shortening time-to-market, and lowering cost-to-serve.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 255.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Staying safe and secure<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 278.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For a bank, trust is the starting point, the most basic requirement for all stakeholders. People trust us with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 290.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">their money and with their data, and keeping that safe is crucial. As a gatekeeper to the financial system, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 302.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">we play an important role in the collective fight against fraud, cybercrime, and financial and economic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 314.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">crimes.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 344.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Unlocking our people&#8217;s full potential<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 367.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">People are our greatest asset. We seek to attract, develop and retain the best people, and our sustained <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 379.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">success is founded on their continued commitment. What will unlock their full potential is our inclusive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 391.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Orange culture where everyone has the opportunity to develop and have impact for our customers and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 403.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">society. In 2023, we focused on three pillars to deliver for our people: &#8216;talent &amp; leadership&#8217;, &#8216;culture &amp; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 415.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">organisation&#8217; and &#8216;Employee Experience&#8217;. Read more about how we unlock our people&#8217;s full potential in&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 427.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">'Social'.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">26<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Superior customer experience<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 112.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We want to provide customers with an experience that is easy, instant, <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 130.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">personal and relevant. What this looks like depends on the type of <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customer. For private individuals and small businesses, our emphasis is <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 166.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">predominantly on mobile banking, while for mid-corporate and <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking clients it&#8217;s all about personal relationships and <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 202.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sector and network expertise.<span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 235.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">What we strive for<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 269.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In response to changing expectations in today&#8217;s always-on digital society, ING wants to offer customers an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 281.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">experience that is easy, instant, personal and relevant. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 308.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Easy<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 61.83pt; position: var(--position); text-decoration: none; white-space: pre;"> is about taking the complexity out of banking, making it intuitive, transparent and understandable so <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 320.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customers feel confident. For example, we aim to clearly price products and services, avoid complicated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 332.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">jargon and always be accessible.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 359.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Instant<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 73.18pt; position: var(--position); text-decoration: none; white-space: pre;"> is about customers having solutions at their fingertips that put them in the driver&#8217;s seat of their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 371.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">finances and make them feel in control by allowing them, for instance, to switch seamlessly between self-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 383.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">service banking on the app and personal advice in a branch. Different groups of customers have different <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirements. For private individuals and some Business Banking clients (i.e. the self-employed and small <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and medium-sized enterprises), the emphasis is on mobile, for both products and services.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 434.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Personal<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 79.72pt; position: var(--position); text-decoration: none; white-space: pre;"> is about recognising customers as individuals and getting to know their needs, goals and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 446.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">challenges so they feel valued. For example, to tailor messaging to their specific situation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 473.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Relevant<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 80.68pt; position: var(--position); text-decoration: none; white-space: pre;"> is about bringing value to customers, anticipating their needs, and proactively providing the right <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 485.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">insights, advice and solutions at the right time, making them feel empowered. For example, by guiding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 497.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">them on important financial decisions, such as re-financing a mortgage in an environment of rapidly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 509.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increasing interest rates.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For Business Banking mid-corporates and Wholesale Banking clients, the emphasis remains on deepening <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">client relationships, offering deep sector knowledge and networking expertise, tailored products and advice, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">supported by seamless digital delivery and services.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking &#8211; Private Individuals<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 150.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For customers using Retail Banking products and services, ING intends to provide a seamless digital, mobile-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 162.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">led experience that&#8217;s easy, instant, personal and relevant. We want to engage with our customers on mobile <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 174.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">at every stage of their journey and give them personalised products and services based on relevant, data-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 186.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">driven insights. Seamless end-to-end digital delivery of customer services is an enabler for a superior <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 198.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customer experience to earn, and keep, the primary relationship. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 225.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Earning &#8216;primary relationships&#8217; with customers is an important driver for profitable growth. It leads to deeper <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 237.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">relationships, greater customer satisfaction, and ultimately customers choosing us for more of their banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 249.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">needs. We want to be our customers&#8217; first partner for their financial business. In Retail Banking, primary <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 261.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customers have at least two active ING products. One of these should be a current account into which they <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 273.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">deposit regular income. In 2023, the number of primary customers increased by 750,000 over the course of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 285.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a year to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 597.89pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">15.3</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 617.1899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 619.6899999999999pt; position: var(--position); text-decoration: none; white-space: pre;">million. Particularly strong growth was achieved in Germany (+252,000), Spain (+129,000), <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 297.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and the Netherlands (+99,000).&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 324.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">A seamless digital, mobile-led experience <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 353.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Reflecting customer demand, we are continuously improving our mobile capabilities. In 2023, over <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 995.99pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">62</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1007.25pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 365.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">percent of customers used mobile banking only (mobile device login through the app or mobile device login <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 377.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">through the website), compared to 58 percent in 2022. High adoption of mobile banking is especially visible <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 389.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in T&#252;rkiye (90 percent), Romania (84 percent), the Netherlands (69 percent), and Spain (66 percent). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 416.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In the Netherlands, Australia, Germany, and Spain, over 60 percent of new customers are now fully digitally <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 428.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">onboarded, due to continuous improvements in the mobile onboarding flow. Those improvements aim to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 440.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">make digital onboarding available to as many new customers as possible. Similar efforts are underway in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 452.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">other Retail countries.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 479.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">More customers are using remote video advice and digital self-service channels. We can connect with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 491.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customers across multiple channels through ING&#8217;s cloud-based customer interaction platform for phone, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 503.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">chat and video contacts. Our global customer interaction platform is used across seven Retail countries and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 515.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in Wholesale Banking to harmonise the experience and ensure customers receive the same services <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 527.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">everywhere. This year, we continued to expand the platform&#8217;s footprint, rolling out voice functionality in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 539.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Germany and Romania, and chat/chatbot capabilities in Italy. In total, the platform facilitated more than <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 551.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">100,000 video meetings and over 1.8 million authenticated chat conversations in 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">27<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Daily banking and savings products <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 94.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Everyday Roundup is a digital functionality that aims to make saving simpler, and it is now used by more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 106.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">than 1.5 million customers in seven countries (Poland, Australia, Germany, Romania, T&#252;rkiye, Spain and, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 118.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">since the fourth quarter of 2023, the Netherlands). </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 267.94pt; position: var(--position); text-decoration: none; white-space: pre;">It works by rounding up every transaction on a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 130.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customer&#8217;s current account and automatically transferring the difference to their savings account. In Spain, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">we also connected Everyday Roundup to investment products to help customers who want to start <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investing, little by little.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 181.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In March, ING in Australia introduced Everyday Roundup to Charity, becoming the first Australian bank to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 193.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">launch a charitable round-up feature. This enables customers to round up eligible everyday card <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 205.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">transactions to the nearest dollar or five dollars and donate the difference to a charity. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING in Germany expanded its current account to include a sustainable option. Customers of the so-called <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Future current account&#8217; pay one additional euro per month, and can choose between various social and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ecological projects that are selected in partnership with the social impact company share&#174;. These projects <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 268.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are supported by the amount equal to the monthly payment made by the customer. Additionally, a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 280.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sustainable use of deposits is earmarked to sustainability criteria defined by ING Germany. These take the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 292.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">UN principles for responsible banking into account and are aligned with the EU taxonomy. By the end of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 304.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023, 21,000 &#8216;Future current accounts&#8217; were opened, resulting in more than &#8364;90 million in sustainable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">deposits that are matched with sustainable loans and investments.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Dealwise, a smart shopping platform available in the app in Romania, Germany and Belgium, offers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">personalised deals, supporting customers to save on their daily spending. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 382.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Mortgage products <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In Belgium, we launched the HomeHub functionality &#8211; a new online journey that takes the customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">through the mortgage application process in just four steps, including a conditional approval. A customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">can now simulate this process using the Quick &amp; Easy Simulator, as well as make an appointment using the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">recently launched Call me back flow. Customers can get an overview of required documents and check the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">status of their application via the HomeHub.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In the Netherlands, orientating customers who have made an appointment via mobile app or web can now <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">digitally prepare for their appointment by uploading documents based on a personalised document list. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 525.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In Belgium and Romania, digitalising partial repayments simplified this process for customers, enabling <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 537.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">them to make changes online to reduce a monthly charge and/or reduce the duration of a loan. This gives <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 549.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our clients more control of their financing without hassle. In Belgium, these digitalisation efforts led to over <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">98 percent of early repayment requests being processed automatically or with minimal manual effort (only <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">one simple check by the employee). In Romania, customers who visit an ING office monthly to make an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">early repayment with loan duration reduction can now make the same changes online. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING in Poland introduced a fully digital process for customers that apply for a change to their mortgage <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">agreement. In the second half of 2023, almost all customers (&gt;99 percent) conducted the change of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mortgage tenor online. Additionally, since the fourth quarter of 2023, customers in Poland can also change <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">their repayment account and/or repayment date online.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Investment products <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 208.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING customers have access to smart digital investment tools to make investing accessible. Leveraging the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 220.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Dutch investment platform, entry products Easy Invest and Self Invest are now also available in Belgium. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Easy Invest is the most basic product for clients with no experience of investing independently. It consists of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">an online risk assessment that helps clients choose the risk level they can tolerate when starting to invest in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">one of ING&#8217;s mutual funds. Self-Invest is ING&#8217;s online brokerage platform offering a wide selection of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 268.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">international equities for clients to invest in directly by themselves. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 295.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In Germany, our self-execution investment tool is serving more than two million clients. Additionally, our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">clients in Germany can make use of our robo-adviser, offered in partnership with online wealth manager <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Scalable Capital. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 346.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Insurance products<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING works together with several insurance partners in various markets to offer our customers compelling <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">insurance products, based on local customer needs. We offer insurance related to bank products as well as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a range of standalone non-life insurance policies. We enhanced our insurance proposition in 2023, for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">example, by launching car insurance in Spain, improving our home, car, health and travel insurance in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands, and adding pet insurance to our product offering in T&#252;rkiye.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">28<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking &#8211; Private Banking &amp; Wealth Management<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 92.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Private Banking &amp; Wealth Management offers banking services and personalised wealth management to </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 104.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">affluent and (ultra) high-net worth individuals and their entities in the Netherlands, Belgium and </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Luxembourg. Through dedicated relationship managers and the support of product specialists and account </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 128.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">management, Private Banking aims to give customers access to a diverse range of products and services </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 140.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">suited to their needs. This includes tailor-made and standardised investment advice based on&#160; </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 152.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">comprehensive financial planning. We have been awarded best private bank in the Netherlands by PWM/The </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 164.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Banker (a </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 84.75999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Times<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 153.11pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> magazine) and in the MT1000 ranking.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 191.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">In 2023, the Netherlands introduced investing in private markets, allowing wealthy customers (from &#8364;2.5 </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 203.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">million in advice/discretionary portfolio management) to invest in, for example, private equity, private credit, </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 215.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">and infrastructure. ING works closely with renowned international players in this regard. Private markets&#8217; </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 11pt; position: var(--position); top: 227.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">importance in</span><span style="display: inline-block; height: 8pt;"></span></span><span style="background-color: #ffffff; color: #ff0090; font-family: Arial; font-size: 11pt; font-style: normal; font-weight: normal; left: 102.32pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> </span><span style="display: inline-block; height: 8pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 105.37pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">the economy is increasing worldwide,</span><span style="display: inline-block; height: 8pt;"></span></span><span style="background-color: #ffffff; color: #ff0090; font-family: Arial; font-size: 11pt; font-style: normal; font-weight: normal; left: 273.81pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> </span><span style="display: inline-block; height: 8pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 276.86pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">and adding our services fits in with ING Private </span><span style="display: inline-block; height: 8pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 240.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Banking&#8217;s ambition to serve customers even better with innovative investment solutions. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">In Belgium, we introduced a new concept of family business events. Over 12 events, 600 family business </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 279.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">owners were invited to exchange views on the transition of a family business to the next generation. Our </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 291.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">customers appreciated these events, combining both the business and private wealth needs. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 323.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking &#8211; Business Banking<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 350.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Business Banking segment covers the following three sub-segments:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 377.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Self-employed and micro companies:<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 210.29pt; position: var(--position); text-decoration: none; white-space: pre;"> Independent professionals or small companies that employ up to 10 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 389.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">people and have a turnover up to one million euros.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 416.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">SMEs:<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 66.24pt; position: var(--position); text-decoration: none; white-space: pre;"> Small to medium-sized companies that employ between 10 and 250 people and have a turnover of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 428.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">between one and 10 million euros.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 455.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Mid-corporates: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 115.15pt; position: var(--position); text-decoration: none; white-space: pre;">Sophisticated larger companies employing more than 250 employees with a turnover of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">between 10 million and 250 million euros.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 494.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Business Banking serves customers in seven markets: the Netherlands, Belgium, Luxembourg, Poland, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 506.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Romania, T&#252;rkiye and Germany. Our customers are focused on managing and growing their businesses <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 518.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">profitably in an ever-changing and increasingly complex environment. Our goal is to support them through <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 530.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">relevant, seamless, trusted and personal financial solutions in key moments.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We apply a needs-based customer segmentation approach that differentiates between basic, and more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">complex and/or specific needs. This enables customers to &#8217;self-serve&#8217; using our strong digital foundation but <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">also access remote and face-to-face advice, when needed.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We are therefore advancing our digitalisation roadmap to create a seamless customer experience by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">digitalising key customer journeys: from onboarding to customer in life, and from lending solutions to daily <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">banking and payments. We have placed emphasis on critical customer journeys, including digital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">onboarding in the Netherlands, Belgium, Poland, and T&#252;rkiye. Furthermore, we offer instant and fast-track <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">lending solutions in the Netherlands, Belgium, Poland, Romania, and T&#252;rkiye to cater to our customers&#8217; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">lending requirements. These solutions have significantly enhanced our end-to-end digital rates for lead-to-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cash and customer-acquisition journeys. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For more complex and specific needs, especially for bigger SMEs and mid-corporates, we offer customised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">relationship banking. This not only covers tailored solutions and advice, but also sector expertise and access <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to ING&#8217;s international network.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 270.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Customer Experience (CX) day<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As part of ING&#8217;s focus on continuous improvement of the customer journey, we hold an annual customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">experience (CX) day. On 28 September, ING held its fourth global CX day where over 8,000 colleagues from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">across the bank, together with customers, put their collective minds together to come up with tangible <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 334.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ideas to delight our customers and make their experiences easy, instant, personal and relevant. The event <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">attracted employees from Retail Banking, Wholesale Banking, ING Hubs, and support functions all around <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 358.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the world. Together, they identified over 400 improvements to delight our customers, some of which were <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 370.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">created and tested on the day. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 400.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Measuring NPS<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 422.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">One of the ways we measure our ability to deliver a superior customer experience is through the Net <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 434.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Promoter Score (NPS). The NPS indicates whether customers would recommend ING to others. We compare <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 446.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our NPS to selected peers in each market. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 473.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our ambition is to achieve a number one NPS ranking in all 10 of our Retail markets. In 2023, ING ranked <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 485.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">number one in five of our 10 Retail markets: Australia, Poland, Germany, Romania and Spain. ING ranks in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 497.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the top three in another four markets: the Netherlands, Luxembourg, Italy and Belgium (all ranked third). In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 509.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Australia, Belgium and Italy, ING&#8217;s NPS improved versus last year, while Germany, Romania and Spain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 521.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">maintained their strong NPS.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">29<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We ran a separate NPS programme in 32 Wholesale Banking markets throughout 2023, to ensure a broad <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">coverage of our client base. ING&#8217;s relationship NPS score rose to an all-time high of 72 (on a scale of -100 to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">+100), compared to last year&#8217;s score of 67. All regions showed an increase in NPS and response rate, with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the latter rising from 71 percent to 76 percent overall. The number of detractors decreased from 54 to 33. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The NPS result aids our efforts to continuously improve our customer service and product offering. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 144.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s ambition is to provide corporate clients and financial institutions with the financial solutions they need <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">across their value chains. Underpinning our work is the &#8216;ING difference&#8217;, three major characteristics that offer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 196.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">value to clients: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">Our global reach,<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 132.36pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 134.86pt; position: var(--position); text-decoration: none; white-space: pre;">with local experts:<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 219.01999999999998pt; position: var(--position); text-decoration: none; white-space: pre;"> no matter where clients are, our network of experts offers them a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">seamless local experience with a global view.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">We&#8217;re sector experts: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 154.05pt; position: var(--position); text-decoration: none; white-space: pre;">clients trust us to provide tailored solutions to meet their needs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">We&#8217;re sustainability pioneers:<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 190.86pt; position: var(--position); text-decoration: none; white-space: pre;"> we&#8217;re not just leaders in sustainable finance; we work hand-in-hand with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">clients to address some of the most pressing issues in the world today.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s Wholesale Banking business line network covers three regions: EMEA, APAC and the Americas. To bring <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our local experts closer to clients, we focused on hiring more talent for client-facing teams in 2023 &#8211; such as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for our trade and commodity finance team in Switzerland, our sustainable finance team in Asia, and our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investment banking team in the Netherlands. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking clients benefit from our deep sector knowledge of over seven sectors and 29 sub-sectors, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 373.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">including: commodities, food and agriculture; corporate sector coverage; energy; infrastructure and real <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 385.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">estate; financial institutions; technology, media, telecom and healthcare; transport and logistics. Together <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 397.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with our target sector research capabilities and our client segmentation model, we aim to help clients <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 409.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">navigate the highs and lows of economic cycles, providing them with relevant advice, data-driven insights <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 421.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and customised, integrated solutions that support their business ambitions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 448.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As a large wholesale bank, with billions of euros flowing through our balance sheet, ING aims to play an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 460.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">important role in accelerating our clients&#8217; transitions to net zero by 2050. In addition to the financial support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 472.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and incentives we provide, we help and advise clients by putting our sector expertise, international network, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 484.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">climate-action experience and other sustainability-related insights to work for them. This includes our Terra <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 496.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">approach, which uses science-based and sector-agreed pathways for getting our in-scope sector portfolios <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 508.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in sync with reaching net zero by 2050, and guides us in making business decisions that aim to accelerate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 520.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the transition. To better assess the climate performance of our clients and use these insights to identify risks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and opportunities for supporting them in their transitions, we have developed a bespoke &#8216;client transition <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 544.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">plan&#8217; tool. This online platform is where we have started to centrally collect, assess and monitor the publicly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">disclosed climate transition plans of each client. For more information on Terra and the client transition tool, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">see &#8216;Environment&#8217;. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our support comes in the form of financing too. In 2023, we saw <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 844.44pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;115<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 866.96pt; position: var(--position); text-decoration: none; white-space: pre;"> billion of volume mobilised and closed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">792 sustainability transactions. One example is the green loan provided by ING as sole bank for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">implementation of RetuRO Sistem Garantie Returnare, an important circular-economy project in Romania. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The loan will finance the set-up of regional centres, which will aim to collect, sort and prepare more than six <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">billion returned plastic, glass and metal beverage packages for recycling each year.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, ING won the Euromoney Award for Best Bank for ESG in Germany, as well as five awards at the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Global Finance Magazine Sustainable Finance Awards. These included the global award for Outstanding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Leadership in Sustainable Bonds for the third year running, three regional awards in Western Europe for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Outstanding Leadership in Sustainable Finance, Sustainable Bonds and ESG-related Loans respectively, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a country award for Best Bank for Sustainable Finance in the Netherlands. Our client segmentation model <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">aligns our strengths with client needs and plays an important role in deepening relationships. ING&#8217;s way of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">working allows us to respond rapidly to our clients&#8217; changing needs, and to close the gap between local and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">global specialists, making an impact in our markets. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 292.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Strengthening our foundations <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As part of our efforts to strengthen our product foundations, we continued to develop our proprietary <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">platform, InsideBusiness, in 2023. This included setting up alerts for payments, improving user verification to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">comply with local anti-money laundering regulation, and making it easier to download lending notices, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">among other updates. Additionally, we rolled out real-time instant payments in the Netherlands, Germany, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Italy, Luxembourg and Portugal, and digitalised the account-opening journey in the Netherlands, Germany <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and Belgium. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 402.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">To further streamline and simplify the infrastructure in our Financial Markets business, we continued to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">enhance our digital ecosystem in 2023, from introducing new process automation, APIs and algorithms <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">across sales and e-trading to providing better pricing, greater stability, and more insights. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Following the creation of our dedicated Payment &amp; Settlements Services (PSS) organisation in 2022, we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">continued to implement strategic change within Transaction Services in 2023 by laying the groundwork for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 477.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a new structure that took effect on 1 January 2024. This includes a separation of commercial product <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 489.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management activities from delivery activities, enabling us to evolve our product offering to deliver <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 501.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">competitive and seamless digital solutions for clients at pace, amid a rapidly changing macroeconomic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 513.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">environment. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We established Capital Markets &amp; Advisory (CMA) in 2023 as the single centre of excellence for our advisory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 552.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business and related financing globally across Wholesale Banking. We want to be the strategic partner for <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">30<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our clients in transformational moments in the boardroom and also accelerate our capital velocity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">deliverables. Under CMA, we&#8217;re upgrading and refocusing our commercial engine, including selective senior <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hires, to ensure we have the right capabilities to support our clients throughout their lifecycle.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Finding new ways to help customers stay a step ahead<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 150.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING is proud of its innovative culture and considers this an important contributor to a superior customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 162.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">experience. To keep surprising customers in a fast-moving competitive environment, we need to keep <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 174.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">finding fresh ways to translate emerging trends and technologies into new business opportunities. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 186.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Therefore we also experiment with new and emerging technology (e.g. digital assets, generative AI), <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 198.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">translating it into bite-sized use cases, with central oversight.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 225.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For incremental-type innovations that support our strategic priorities of CX and sustainability, such as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 237.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">digitalising processes, we believe this is best done within individual business lines (Retail, Business Banking, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 249.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and Wholesale Banking) where we are closer to the customer.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Blacksmith was established in 2017, as part of ING Labs Singapore, and offers a single platform to digitalise <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and automatically apply policy requirements to KYC processes. It also delivers standardised and actionable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customer due diligence (CDD) files. In 2023, Blacksmith reduced ING&#8217;s time spent on desk research as part of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 312.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the CDD process by 48 percent. This removed a lot of the manual work for analysts, who must typically <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 324.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">collect data and analyse how its attributes are risk rated according to ING policies. Blacksmith also <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 336.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">onboarded Skandinaviska Enskilda Banken (SEB) to digitalise the KYC processes for financial institutions.&#160; &#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Also in 2023, ING sold Invisible Tickets, a next-gen ticketing and payment solution that allows commuters to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">pay for the cost of travel using their mobile phone, to Tata Consultancy Services (TCS), which is part of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">India&#8217;s largest multinational group. TCS will be taking the Invisible Tickets solution to the next level by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">introducing it to railway and public transport operators around the globe. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">XLINQ is an enterprise software development and SaaS platform with a unique technology to generate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">secure and compliant software automatically from business knowledge captured. ING Labs served as an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">incubator for XLINQ, which spun out of ING in June 2023. ING retains a warrant to become a minority <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shareholder and is a client of XLINQ in several ING countries. XLINQ has two big corporate clients in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial services and energy sectors that use its platform to develop reliable software faster with lower <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">costs.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">31<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Sustainability at the heart</span><span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 127.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">ING&#8217;s purpose is empowering people to stay a step ahead in life and in </span><span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 145.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">business. This also means helping customers and society stay a step </span><span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 163.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">ahead of the challenges they&#8217;re facing. Climate change is one of the </span><span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 181.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">world&#8217;s greatest challenges. Also, people may struggle with inequality, </span><span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 199.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">poor financial health, or a lack of basic human rights. There&#8217;s a growing </span><span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 217.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">sense of urgency and rising expectations that governments and </span><span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 235.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">businesses must help tackle these challenges. </span><span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 268.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">ING aims to put sustainability at the heart of what we do, defining new ways of doing business that align </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 280.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">economic growth with positive environmental and social impact. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our priorities are as follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Climate action:</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 109.4pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> This is our main focus. We want to lead by example by striving for net zero in our own </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">operations. We aim to play our part in the low-carbon transformation that is necessary to achieve a </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">sustainable future, steering the most carbon-intensive parts of our lending portfolio towards reaching net </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">zero by 2050. Read more on ING&#8217;s climate action in 'Environment'. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Collaboration:</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 104.47pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> We work with clients to achieve their own sustainability goals, increasing our impact through </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">partnerships and coalition-building. Read more in</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 260.01pt; position: var(--position); text-decoration: none; white-space: pre;"> 'ESG overview'. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">C<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 45.78pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">limate-related, environmental and social risk:</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 255.12pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 257.62pt; position: var(--position); text-decoration: none; white-space: pre;">We manage the most relevant environmental and social <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risks. We also contribute to positive change by supporting clients that seek continuous improvement in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">environmental and social practices. Read more in 'En<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 276.28pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">vironment'. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Financial health and inclusion: </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 181.75pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">We&#8217;re working to advance financial health and inclusion for customers and </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">communities. Read more in </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 165.55pt; position: var(--position); text-decoration: none; white-space: pre;">'Social'.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 198.46pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Empowering colleagues:</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 151.57pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> We empower colleagues to contribute to it all, for example by providing them with </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">the right knowledge and training. Read more in </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 253.37pt; position: var(--position); text-decoration: none; white-space: pre;">'Social'.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 286.28pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">ING&#8217;s sustainability efforts have been recognised externally by environmental, social and governance (ESG) </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">rating agencies and other benchmarks. In 2023, Sustainalytics assessed our management of ESG material </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">risk as &#8217;strong&#8217;. Also in 2023, investment research firm MSCI awarded ING an AA ESG rating for the fourth </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">consecutive year. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">As society transitions to a low-carbon economy, so do our clients, and so does ING. The low-carbon </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">transition cannot happen overnight. Even though we finance a lot of sustainable activities, we still finance </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">more that's not, which is a reflection of the current global economy and how far the world still needs to go. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Our approach follows data and science, and evolves as the available science evolves. We want to be part of </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">the solution and strongly believe we can make the most impact by engaging with clients, talking to them </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">about their climate goals, and helping finance what they need to reach them.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">While we are committed to doing our part, we know that the world&#8217;s problems cannot be solved by one <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sector, much less by one bank. We specifically call on governments and regulators to guide the transition <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">more firmly. They have to help answer the question "What does &#8217;good&#8217; look like?". We believe an inclusive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">approach is the best way to make a meaningful impact. From climate to human rights and financial health, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">we seek to increase our impact through partnerships and coalition-building.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">32<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">How we are making the difference<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 112.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING is making the difference by concentrating on two overarching <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 130.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">strategic priorities: giving customers a superior experience and putting <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sustainability at the heart of what we do. To put these into practice, <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 166.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and to make that difference for all customers, we have defined four <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">enablers: providing seamless digital services, using scalable technology <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 202.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and operations, staying safe and secure, and unlocking our people&#8217;s <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 220.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">full potential.<span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 253.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Providing seamless digital services<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 287.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In a world where accelerating digitalisation is one of the main global trends impacting banking, customers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 299.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are spending more and more time online. That&#8217;s why we want to make their lives easier by giving them a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 311.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">seamless digital service.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 338.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Customers deserve an easy, instant, personal and relevant experience at every touchpoint, from the way <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 350.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">we communicate and onboard them to how we provide products and handle customer requests. ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">facilitates this by developing, maintaining and enhancing personalised, reliable digital services that aim to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be available 24/7. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 401.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Developing, maintaining and enhancing these basics gives us the foundation for providing a superior <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 413.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customer experience. By digitalising key customer journeys, we are enabling a superior customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 425.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">experience at a reduced cost-to-serve, while measuring impact through NPS and cost efficiency. In 2023, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 437.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our Digi Index Score was <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 150.93pt; position: var(--position); text-decoration: none; white-space: pre;">71.2 percent<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 207.1pt; position: var(--position); text-decoration: none; white-space: pre;">. The Digi Index concerns a figure that reflects the average of straight-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 449.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">through processing (STP) rates of key customer journeys that are handled without manual intervention. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 476.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The previously reported Digi Index Score was based on scores from countries that included global and local <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 488.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">processes. Global processes are aligned and consistent throughout countries, while local processes could <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 500.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">differ slightly per country. Starting from the first quarter of 2023, the Digi Index has been &#8217;rebaselined&#8217; to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 512.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">enhance consistency and comparability. Currently, only 33 global processes are used as a baseline, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 524.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">local processes have been eliminated. All STP processing has been updated retrospectively, meaning <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 536.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">comparative figures have been adjusted and are based on the 33 global processes. The unadjusted 2022 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 548.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Digi Index Score amounted to 64.4 percent and, as a result of the rebaselining, the adjusted 2022 score <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">amounts to 66.8 percent. Our previously reported aim of reaching a Digi Index Score of over 75 percent by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2025 has not been adjusted.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Individual customers increasingly only use the mobile channel. For them, our emphasis continues to be on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mobile and further improving our mobile capabilities. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 593.28pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">77.4</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 612.5799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> percent of our communication was personalised. We use data analytics and machine learning <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to personalise digital services for customers. Personalising customer interactions helps customers make <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">more informed financial decisions and supports mobile sales, while also reducing the need for customers to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">use other channels. Given the importance of data for offering personal and relevant services, data security <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and privacy protection are crucial.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 217.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Data analytics<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 249.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING uses advanced data analytics to help achieve both superior customer experience and sustainability <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 261.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">priorities, making the difference for customers, colleagues and society. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Handling calls better by further digitalising our contact centre processes plays a significant role in driving a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">better customer experience. In 2023, ING&#8217;s Analytics team implemented speech analytics as a metric tool in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 312.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands and Belgium, providing generated insights into the root causes of contact centre calls, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 324.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">helping ING to improve its digital journeys in the app and website. In parallel, ING has further promoted <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 336.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">virtual assistants. These work to provide more precise answers to address customer FAQs, resulting in active <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 348.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">bots in the Netherlands, Belgium, Spain, Poland and T&#252;rkiye, handling up to 45 percent of the incoming chat <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 360.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">volumes. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For Retail and Business Banking, ING&#8217;s Analytics team has developed acceptance and affordability models in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the lending process with the goal to improve customers&#8217; digital experience and to ensure we are safe and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">secure. In the Netherlands, the artificial intelligence-based lending models enabled instant loan decision and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">granting within a few minutes instead of days, achieving a higher acceptance ratio by three percent while <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">keeping the same risk level. In Germany, the use of transactional data based on customer consent has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">allowed for the redevelopment of the consumer loan models. This has led to a notable increase in loan <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">production and approval ratings, helping the business to provide services to more eligible customers.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING has also used analytics to reduce advertisement blindness (where consumers consciously or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">subconsciously ignore advertisements) to improve relevancy, and enable hyper-personalisation. In 2023, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">pivotal enhancements to ING&#8217;s recommendation engine resulted in highly personalised campaign <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 522.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management and, eventually, higher customer engagement. We&#8217;ve updated the underlying model to a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 534.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">deep-learning method, helping us tailor our offerings to better meet customer needs. Meanwhile, real-time <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 546.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">processing has been enabled to address customers&#8217; needs instantaneously.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">33<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In Wholesale Banking, advanced analytics has helped the front office in their preparations for client <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interactions, ensuring our colleagues can provide better ideas and ask relevant questions at relevant times.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For example, we use the entity-matching model, which uses a name-matching algorithm to identify our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">own clients in datasets, even if the data is not perfectly organised. Using just a small amount of information, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">it helps us better understand how our clients behave within our network.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Analytics team continued to focus on improving the customer due-diligence (CDD) process for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking, leading to a clearer process for our clients and eliminating the need to ask related <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">questions in person. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 205.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">More broadly, the team continued to provide support to protect our customers and the bank against <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 217.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increasingly sophisticated fraud attempts, such as impersonation scams, through AI-based detection <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 229.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">models.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Additionally, ING, as a partner of the Kickstart AI foundation in the Netherlands, hosted a hackathon with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 268.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the foundation in 2023 to boost progress of the Allow More initiative. Based on existing research by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 280.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Dutch government, up to 15 percent of those who are eligible for a financial allowance don&#8217;t claim it. Allow <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 292.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">More aims to help individuals identify whether they may be eligible for these allowances. This can <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 304.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">encourage more people to use the available help, which could improve the financial situation of many <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">people in the Netherlands. As a result of the hackathon, analysis and model development based on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">method generated during the hackathon will be followed across a few banks.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On top of the existing models, ING&#8217;s Analytics team continues to improve the customer experience by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exploring new technologies. ING recognises the potential of generative AI (GenAI) and we are taking a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">prudent and responsible approach to doing this in a safe and secure way. To better learn about both the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">opportunities and risks, we explored opportunities in two areas with a central oversight: Customer contact <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(like chatbots and transcript analysis) and software engineering (to write code or fix bugs). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As an example, we piloted LLM (large language models) technologies to improve our chatbot performance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and help customers. The first phase of the pilot came to a close in 2023 with promising customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">satisfaction and deflection improvements &#8211; the rate at which our alternative channels and self-service <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">resources fulfil demand. These experiments have shown there is value in incorporating GenAI into our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">processes. In 2024, we will expand our GenAI explorations into a few selected areas: KYC, marketing content <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">generation and early warning systems. Application of GenAI technology in these domains has the highest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">potential to transform our business processes and contribute to our ambition of a superior customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 514.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">experience. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Scalable technology and operations<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 99.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Reflecting our role as a digital-first bank and to enable a superior customer experience, ING believes that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 111.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">scalable technology and operations foundations are key requirements. We have therefore made this an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 123.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">integral part of our strategy. Standardisation and automation give us a shorter time to market, quicker time <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 135.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to volume, consistent and higher quality, and improved productivity. Scalable technology and operations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 147.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">also help us attract and retain talent by offering employees the opportunity to not only work with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 159.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">technology but also collaborate across countries and make an impact globally. Scalable technology allows <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 171.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING to create specific and local propositions that serve our customers, while leveraging ING&#8217;s scale when it <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 183.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">comes to engineering, security, and data experts. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 210.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Scalable technology<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our scalable technology strategy provides a foundation for the modular components we use to build and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 253.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">operate propositions. It allows ING countries to introduce propositions quickly and easily, while providing the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">opportunity to add local flavour.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 292.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our scalable technology is divided into three parts: ING&#8217;s private cloud infrastructure (IPC), our engineering <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 304.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">pipeline (OnePipeline), and our banking technology platform, with its extendable and reusable services and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">components. Given the flexibility and scalability of public cloud technology in general, ING has chosen a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hybrid cloud strategy, i.e., using public cloud providers in addition to IPC. Cloud computing is an important <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">component for scaling our digital capabilities. IPC is where we store and manage applications and data such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as channel applications, core banking systems and other banking applications. We measure IPC adoption by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the percentage of physical cores &#8211; also known as processing cores or CPU cores &#8211; in IPC compared to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">total number of physical cores in ING data centres globally. By the end of 2023, 63 percent of all physical <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cores in ING were on IPC (2022: 52 percent). By the end of 2025, we expect that figure to have risen to at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 400.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">least 70 percent.<span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 629.61pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">OnePipeline, our continuous integration and delivery pipeline, provides engineers with a consistent and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">secure global capability to develop, test and deploy software. OnePipeline&#8217;s key features are being <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compliant, secure and reliable. In addition, the platform allows for simple ways of collaboration between <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">multiple teams. We invest heavily in infrastructure, test and risk automation. At the end of 2023, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 988.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">62.9 </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">percent of applications were onboarded to this pipeline (2022: 48 percent). We measure the pipeline&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adoption by the number of applications onboarded to the pipeline (used to develop and deploy to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">production), compared to the total number of applications registered in our IT management platform across <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 514.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">all ING entities. Our ambition is to have 90 percent of applications on OnePipeline by 2025.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Touchpoint is part of our banking technology platform. Touchpoint provides a set of reusable shared <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 553.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">services, freeing up capacity for engineers to create more value for customers and employees. By using <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">34<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">these shared platform services like an authentication service or Engagement suite, engineers can realise <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business solutions like Instant Payments and Open Banking quicker and easier. We measure the Touchpoint-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">enabled customer online traffic using the Touchpoint authentication, represented by the number of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Touchpoint-enabled unique customer authentications against the total ING number of unique customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">authentications. At the end of 2023, approximately <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 271.51pt; position: var(--position); text-decoration: none; white-space: pre;">64<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 282.77pt; position: var(--position); text-decoration: none; white-space: pre;"> percent of customer logins used Touchpoint (2022: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">approximately 60 percent). By 2025, we expect that figure to increase to 84 percent. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Digital access<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 177.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In a digital society, customers expect to have round-the-clock access to digital channels, including their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 189.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">banking services. To live up to their expectations, we strive to provide uninterrupted access to our banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 201.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">services, while allowing for scheduled maintenance and downtime. In Retail Banking in 2023, our digital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 213.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">channel availability for the Netherlands and Belgium was <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 297.61pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">99.56 percent.</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 361.82000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 240.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s Chief Technology Office has been diligently working on the identification and analysis of the root <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 252.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">causes of major incidents experienced in 2023. Based on the outcome, we took measures to strengthen our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 264.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reliability. For example, we started a reliability programme across the Tech organisation, including an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">extensive training for all Tech employees, with the aim of strengthening the overall resilience of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">channels.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For Wholesale Banking clients worldwide, the availability for our Inside Business payments channel and for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our Inside Business Connect channel (file transfer) was 100<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 302.11pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> percent.</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 341.39pt; position: var(--position); text-decoration: none; white-space: pre;"> These figures are based on outputs of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">availability monitoring processes, which are run with a high frequency per hour. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 14pt; line-height: 14pt; position: var(--position); top: 369.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Payment &amp; Settlement Services<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 243.51pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 392.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Payment &amp; Settlement Services organisation (PSS), part of the CTO (Chief Technology Office), covers the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 404.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">full scope of payment and settlement services for Retail and Wholesale Banking.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our scalable tech and ops provide PSS with high-quality and efficient payment, settlement, and open-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 443.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">banking services, leveraging our scalable payment and settlement solutions. As of 2023, PSS processed well <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 455.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">over four billion transactions through our central payment engines. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 482.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We aim to further consolidate most of our payment services on this platform, improving quality and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reducing price per transaction. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Scalable operations<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our scalable operations are driven by digitalisation and capability hubs, focusing on becoming fully STP, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">leveraging expertise and using scale, and sharing productive, quality services across the ING network. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 126.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Capability hubs provide shared services and solutions across ING worldwide. The hubs are mainly located in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 138.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands, Poland, Romania, Slovakia and the Philippines. In 2023, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 878.96pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">34</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 890.22pt; position: var(--position); text-decoration: none; white-space: pre;"> percent of operations were <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 150.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">carried out with the support of these hubs, compared to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 807.8199999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">32 </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 821.5799999999999pt; position: var(--position); text-decoration: none; white-space: pre;">percent in 2022. Our aim for 2025 is to have the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 162.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hubs carry out at least 50 percent of the operational work. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 189.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">By digitalising client contacts, accelerating remote advice, and increasing the use of chatbots, we reduced <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 201.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">inbound contacts to contact centres by <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 733.42pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">18 </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 747.18pt; position: var(--position); text-decoration: none; white-space: pre;">percent in 2023 (versus 2021). We aim for 30 percent less in 2025 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 213.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(versus 2021). Similarly, by automating and centralising our know-your-customer (KYC) activities this year, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 225.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">we reached <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 609.63pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">58 percent</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 657.76pt; position: var(--position); text-decoration: none; white-space: pre;"> of KYC workforce in our hubs and expect to increase that to 60 percent by 2025 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 237.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">through more consolidation, automation and straight-through processing.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 269.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Staying safe and secure <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 296.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Trust is the starting point, the most basic requirement, for all stakeholders. That&#8217;s especially true for a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 308.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">digital-first bank like ING. People trust us with their money and their data. Keeping these safe, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 320.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">maintaining this trust, is crucial. See also &#8216;Risk management&#8217;. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 350.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risk appetite framework<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 373.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The risk appetite framework (RAF) combines various financial and non-financial risk appetite statements <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 385.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(RAS) into a single, coordinated approach, to provide the business with a clear overview of the relevant risks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 397.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and the tools to manage them. These tools include the boundaries and instruments set for each risk type <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 409.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that help to manage the risk appetite. This view allows the EB, the MBB, and senior management to pursue <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 421.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s business strategy in a safe, secure and compliant way while meeting regulatory requirements at all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 433.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">times. See also &#8216;Risk management&#8217;. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 463.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Anti-money laundering and KYC <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Knowing who we do business with helps to protect our clients, ING and the financial system against financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">economic crimes. As part of our continuing anti-money laundering (AML) efforts, we screen customers, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">carry out due-diligence checks, and monitor transactions for unusual or suspicious activities. In 2023, we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 522.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">strengthened our KYC by enhancing our global way of working. Read more about KYC and AML in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 534.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;Compliance risk&#8217; in &#8217;Risk management&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">35<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cyberthreat landscape<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cybercrime remains a continuous threat to companies and to financial institutions in particular. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Ransomware is one of the prime threats, with phishing the most common way that attackers gain access to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 111.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a company&#8217;s system or network. Phishing is also used to plant information-stealing malware or for drive-by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 123.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">download attacks &#8211; the unintentional download of malicious code to users&#8217; computers or mobile phones. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 150.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Other high-ranking threats are attacks against availability, or Distributed Denial of Service (DDoS) attacks, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 162.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">used against the financial sector and digital services operators for reputational damage and/or extortion.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 174.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Different types of cyberthreats are not only relevant for the financial industry, but are increasingly hitting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 186.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">their supply chains. ING continues to invest in cybersecurity capabilities in all domains (prevention, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 198.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">detection, response and recovery). See also <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 236.46pt; position: var(--position); text-decoration: none; white-space: pre;">Non-financial risk&#8217;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 316.33000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 228.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cybersecurity incidents<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 251.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">No cybersecurity incidents with criminal intent were identified on ING IT infrastructure in 2023 that met the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 263.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ECB cyber-incident reporting thresholds. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 290.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">However, in June 2023, a third-party bank account switching service suffered a breach that affected ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 302.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customers in Germany. This involved a customer data leak for private customers who, when opening a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 314.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">current account with ING, used the German legal account change assistance (Gesetzliche <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 326.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Kontowechselhilfe). German banks are legally obliged to support private customers in moving their account <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 338.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">from the old to the new bank in this defined generic process. ING in Germany informed authorities and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 350.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">affected customers about the incident and provided safety instructions and contact options to further <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">protect personal information.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 391.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Preventative measures<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 409.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Being cybercrime-resilient is a high priority. We continuously test our IT and IT organisational resilience, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 421.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">perform crisis management and red-team exercises to improve our response to DDoS and targeted attacks. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 433.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cybersecurity risks from suppliers are monitored and mitigation is initiated where needed. ING maintains a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 445.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">strong global cybercrime alliance within the financial industry and government institutions to monitor <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 457.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">trends.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 484.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING recognises the value of an effective regulatory framework and is in favour of cybersecurity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 496.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirements being responsive to actual cyberthreats. The adoption of threat-led penetration testing in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 508.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">EU&#8217;s Digital Operational Resilience Act, which also ensures continuity of business, is a good example. Testing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 520.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">critical systems on real-life threats helps entities to gain insights. Our staff awareness and training <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">programme is regularly updated with the latest cybercrime trends and prevention measures.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We have a responsible disclosure procedure for security researchers that may find issues in our business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">applications or infrastructure. See also <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 728.43pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Non-financial risk&#8217;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 810.5pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Identity and access management (IAM) <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Identity and access management (IAM) is an important element in our control framework to prevent and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mitigate the risk of unauthorised access to IT systems and the data processed and stored therein. ING has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">IAM global processes and controls in place which are periodically reviewed and tested. See also <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 980.78pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial risk&#8217;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 612.77pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 190.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Fraud landscape<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 213.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Types of fraud are also evolving. As the digital world continuously changes, fraudsters have become more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 225.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">international and their modus operandi more complex. Customers are being deceived in increasingly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 237.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sophisticated ways. Online fraud has become a societal problem and in several countries, banks have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 249.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">collaborated with governments, law-enforcement entities, and other sectors to find innovative ways to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 261.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">prevent and detect fraud. ING continues to play an important role in preventing and detecting fraud in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 273.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">digital world and wants to minimise the impact of fraud losses and the number of fraud victims.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We recognise this transformation in the fraud landscape with developments high on our agenda. We have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 312.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">improved our ability to monitor and react to fraud incidents and to adapt quickly to new fraud methods. By <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 324.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">using innovative technology, data analytics and IT solutions, we&#8217;re better able to identify suspicious <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 336.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">activities. We are increasingly collaborating with peers and other relevant sectors, such as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 348.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">telecommunications companies. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, the Fraud organisation was made part of the Global KYC organisation. Joining the two allows us to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">draw on combined knowledge and experience, which can help keep ING and our customers safe and secure.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 1037.3pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Read more in &#8217;Risk management&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 14pt; line-height: 16pt; position: var(--position); top: 429.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Data privacy, protection and ethics<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 781.03pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In its capacity as a global financial institution, ING processes personal data belonging to our customers, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">employees, suppliers and business partners. They trust us with confidential and personal information, so it&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">important that we maintain that trust and keep this data safe from loss or misuse. This is part of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">commitment to ensure safe and transparent banking practices, including in how we manage personal data <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in an environment that&#8217;s increasingly open and interconnected. ING is bound by European and local data- <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 514.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">protection laws, which can differ from country to country. For more information on how ING has globally <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 526.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">implemented its personal data protection measures, see &#8217;Compliance risk&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">36<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As ethical standards evolve over time, we closely monitor regulatory compliance and potential new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirements to gain an &#8217;outside-in&#8217; view on data ethics. This includes legislation for new trends, like artificial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">intelligence.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Everything we do is guided by ING&#8217;s Orange Code, which describes the values and behaviours that underpin <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our way of working, and which puts integrity above all. Building on the Orange Code is ING&#8217;s Global Code of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Conduct. Its 10 core principles provide more detail on our main values. These help to give greater balance to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s decision-making, as we weigh up different relevant factors. We&#8217;ve developed supporting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">methodologies for this purpose, like Orange Code decision-making, which allow us to arrive at decisions that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are considerate and well informed. As such, ethics routinely plays a significant role in all our decision-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">making. Read more in &#8217;Governance&#8217;. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To provide further protection, we actively encourage employees to speak up when they are confronted with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">unethical or illegal behaviour. Through a variety of reporting channels, like managers, persons of trust, or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING whistleblower reporting officers, concerns can be reported. ING also has external whistleblower <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">channels. We take great care to protect the identity of those who report concerns, which they can do <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">anonymously, as well the confidentiality of their reports to protect them against potential retaliation. We <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">believe that trust, integrity and ethical behaviour are at the core of any reliable business. They go hand-in-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hand with satisfied customers. Read more in &#8217;Compliance risk&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 318.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Unlocking our people&#8217;s full potential<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Unlocking our people&#8217;s full potential&#8217; is a key enabler of our strategy. We are making the difference through <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the skills, expertise and actions of our 60,000+ people worldwide. We attract, develop and retain the people <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and skills we need at all levels by offering the opportunity to make a global impact and to belong to a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">friendly, collaborative and inclusive company. Fostering such an environment is made possible through our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Orange Culture, built on the values of honesty, prudence and responsibility. These values are aligned to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Orange Behaviours our people exhibit: &#8216;you take it on and make it happen&#8217;, &#8216;you help others to be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">successful&#8217;, and &#8216;you are always a step ahead&#8217;. We see the effect of this throughout our business, but in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">particular in our levels of retention and in our Organisational Health Index (OHI), which is part of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">continuous-listening approach. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We use the OHI to get an ongoing sense of how our people feel and we make sure to act on their feedback. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 481.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We held two pulse OHI surveys in 2023. In May, we had more than 46,000 employees participating, and all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our priorities saw improvements globally, particularly strategic clarity. The second pulse took place in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">October. We received feedback from 77 percent of employees, making this our highest-ever response rate. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We sustained the gains from May, which indicates our focused efforts led to sustainable improvements <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">across our OHI priorities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Using these data points, together with external trend research and internal needs assessments, in 2023 we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reviewed our people strategy and are focusing on three pillars to further unlock our people&#8217;s full potential: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;talent &amp; leadership&#8217;, &#8217;culture &amp; organisation&#8217;, and &#8217;employee experience&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 118.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Talent &amp; leadership <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING has an abundance of internal talent and a strong culture of developing our people. We offer everyone <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 153.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the opportunity to develop their business, technical and leadership skills, and we&#8217;re opening up new avenues <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 165.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for them to do so. For example, we have a wide range of academies that deliver specialist professional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 177.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">development. These are complemented by our leadership curriculum, as part of which we launched the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 189.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">leadership accelerator in 2023. As a result, our people are building the right skills to thrive in the future.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 219.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Culture &amp; organisation<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 242.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our culture of diversity, inclusion and belonging continues to improve. Since 2019, we have been guided by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 254.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our 70 percent principle, in which we aim for no group or level to be comprised of more than 70 percent of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 266.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the same age, nationality or gender. Our culture &amp; organisation pillar takes this further, with the mission to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 278.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">make sure that ING is a place where everyone, regardless of background or identity, can thrive and realise <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 290.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">their full potential. We do this by embedding inclusion and equity in all our people processes and by having <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 302.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">specific gender-diversity targets for which the Executive Board and Management Board Banking are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 314.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">accountable. We look at indicators such as the number of women in senior management positions, which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 326.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">amounts to 31 percent at year-end 2023, up from 29 percent at year-end 2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 353.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We also continue to build a vitalised culture and organisation that foster healthy performance. We support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 365.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our people by offering hybrid working so that they have the autonomy to better balance their professional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 377.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and personal lives. Some 77 percent of our employees are working hybrid (one to four days in the office, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 389.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">based on self-reported data). We care about giving our people this flexibility, and it is highly valued by our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 401.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">employees, helping us attract and retain great talent. Alongside this flexibility, we offer a competitive total <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 413.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reward package, and strong learning and development opportunities. This is reflected in our people <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1000.0899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">offer</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1021.21pt; position: var(--position); text-decoration: none; white-space: pre;">, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 425.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which creates clarity on what we offer, and what we ask in return.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 455.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Employee experience <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We want to free up people&#8217;s time so they can focus on making the difference, which is why we aim to make <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our employee experience as easy, instant and relevant as our customer experience. In 2023, we made good <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">progress, with more than 70 percent of our people now covered by our global people management systems, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 514.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">enabling them to process employee transactions on their mobile devices. We also started a broad cross-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 526.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">functional initiative to reduce bureaucracy and make services easier to use for employees. For example, in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 538.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands, we reduced the number of notifications and approval steps on HR-related processes from <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">37<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">more than 16,000 to 6,000 per month. In 2024, we plan to further automate HR documents in major <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">countries such as the Netherlands, the Philippines and Germany. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For more on unlocking our people&#8217;s full potential, see 'Social'. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 135.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Competition<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 170.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING is a leading European universal bank with global activities. Our more than 60,000 colleagues based in 38 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 182.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">countries serve around 40 million individuals, corporates and financial institutions in 10 retail and over 100 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 194.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">wholesale banking markets. ING&#8217;s purpose is to empower people to stay a step ahead in life and in business.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 221.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our Retail Banking business, which consists of Private Individuals, Business Banking, and Private Banking &amp; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 233.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Wealth Management, offers individuals, small to medium-sized businesses (SMEs) and mid-corporates a full <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 245.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">range of products and services covering payments, savings, insurance, investments, mortgages, trade <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 257.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">finance, structured finance and financial markets solutions, among others. In Wholesale Banking we provide <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 269.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">corporate clients and financial institutions with specialised lending, tailored corporate finance, debt and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 281.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">equity market solutions, sustainable finance solutions, payments and cash management and trade and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 293.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">treasury services. We also offer daily banking services such as payments and cash management and trade <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 305.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and treasury services. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 332.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">There is substantial competition in the countries in which we do business for the types of wholesale banking, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 344.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">retail banking, business banking and other products and services we provide. In recent years, competition <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 356.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">has further increased in both developed and emerging markets. Our largest market is the Netherlands, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 368.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">where our main competitors are ABN AMRO and Rabobank.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our competitive landscape is transforming as society becomes increasingly digitalised and ever more reliant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on technology and the online economy. In our Retail markets we see an accelerated shift to mobile banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and contactless payments, which has provided new opportunities for new entrants to join. Our main <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">competitors are no longer just other banks.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 458.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The opening up of the European payments market under the open banking regulation is a significant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">competitive development. It has created a more crowded, uneven playing field as third-party payment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 482.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">providers, fintechs and Big Tech enter this lucrative area once dominated by banks. These new entrants <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">have operating models that are not burdened with potentially costly legacy operations. Less regulated than <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">banks, new entrants use technology and advanced data and analytic tools to lower cost to serve and to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">speed up processes. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Advances in technology are accelerating the use of new business models, for example in retail payments, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">peer-to-peer lending, foreign exchange and low-cost investment advisory services. New solutions offered by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rapidly evolving incumbents, challengers and new entrants, especially with respect to payment services and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">products, have disrupted the financial services sector and led to the emergence of disintermediation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In this competitive landscape, where banking products and services have mostly become commodified, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">main differentiator is customer experience. For consumers, this means a seamless, safe, mobile-first digital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">experience that is easy, instant, personal and relevant. Businesses too want to benefit from gains in speed, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transparency, security and efficiency created by technologies such as blockchain and artificial intelligence. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Winners will be those with a strong trusted brand and a superior digital experience, taking the effort out of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">managing finances and offering personalised, real-time advice, products and services for all financial needs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Statements regarding ING&#8217;s competitive position reflect the assessment of ING&#8217;s management about the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">general competitive landscape in which ING operates.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">38<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Environmental, social and governance <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 27pt; position: var(--position); top: 97.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">overview <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 159.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Preparation for CSRD<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 182.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING will have to report for the first time in accordance with the CSRD over financial year 2024, for reports <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 194.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">published as of 2025. The CSRD is a legal framework that requires the issuance of a sustainability report. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 206.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">July 2023, the European Commission adopted the delegated act of the European Sustainability Reporting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 218.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Standards (ESRS), which were published in the Official Journal of the EU in December 2023. For the banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 230.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sector, detailed rules on reporting are expected to follow. However, the EU reached a political agreement on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 242.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">postponing the deadline for the sector-specific standards by two years.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 269.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We will use these ESRS, developed by the European Financial Reporting Advisory Group (EFRAG), to report on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 281.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our impacts, risks and opportunities. Up until this year, we have used the Global Reporting Initiative (GRI) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 293.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">standards to do so. We expect the interoperability between the GRI standards and the ESRS to assist us in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 305.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our compliance. However, we also acknowledge some key differences, hence preparation work will be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 317.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">undertaken in 2024 to comply with CSRD disclosure requirements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 344.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">One of the notable differences with the introduction of the CSRD is on the materiality assessment. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 356.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">year&#8217;s materiality assessment is performed in alignment with GRI standards. Moving from GRI Materiality <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 368.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Assessment to Double Materiality, in line with the ESRS requirements, will be one of the first actions in 2024 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 380.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as we determine which material topics and which ESRS to report on in the 2024 Annual Report.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 407.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ESG topics addressed in this chapter are divided into three sections: Environment, Social and Governance. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 419.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Within the Environment chapter, we address areas including our approach to climate action, sustainable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 431.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">finance products, and our own carbon footprint. In Social, we address our responsibility towards the well-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 443.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">being of our employees, customers and society. In Governance, we focus on business ethics, our Orange <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 455.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Code and way of working. For more on Board composition, structure and oversight, see 'Our leadership and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">corporate governance'.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 496.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Collaboration and stakeholder engagement<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 514.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">No one sector, much less one bank, has the ability to solve the world&#8217;s problems. We believe that an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 526.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">inclusive approach is the only way we can make any meaningful positive impact. As such, we seek to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 538.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increase our impact through partnerships and coalition-building. ING also recognises the importance of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regular and meaningful engagement and dialogue with its many and diverse stakeholders on societal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">issues. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Collaboration to increase impact<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Contributing to climate standard-setting is an example of our approach to collaboration and stakeholder <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">engagement. We work with peers, clients, other companies and experts to contribute to standardised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 11pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">frameworks that banks and clients use to measure and disclose progress towards net-zero targets.<span style="display: inline-block; height: 8pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 11pt; font-style: normal; font-weight: normal; left: 996.44pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 8pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 176.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This is important because it means companies in the same industry, and in the same sectors of banks&#8217; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 188.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">portfolios, can be compared in the same way. Banks get a shared understanding of how they can support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 200.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the decarbonisation of hard-to-abate sectors.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 227.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For example, in 2023, our collaborations with industry peers and other partners saw us make important new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 239.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contributions to climate standard-setting. Building on our previous efforts to help develop methodologies <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 251.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that can be used by financial institutions and sector participants to benchmark their own alignment with net <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 263.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">zero and other climate goals &#8211; like the Poseidon Principles for the shipping sector and the Sustainable STEEL <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 275.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Principles for the steel sector &#8211; we&#8217;re now collaborating with RMI&#8217;s Center for Climate Aligned Finance and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 287.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">three banking peers on a new methodology for the aluminium sector. This resulted in the launch of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 299.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Sustainable Aluminium Principles at COP28 in December 2023. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 326.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We also joined the Partnership for Carbon Accounting Financials (PCAF) and aim to contribute to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 338.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">improvement of PCAF methodologies by supporting ongoing and new working groups that are helping <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 350.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial institutions understand the impacts of products that are not yet covered.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 377.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Human rights is also a topic we collaborate on, as part of the Thun Group, the OECD Advisory Group and as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 389.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">part of the steering committee for the Equator Principles. We also participate in learning platforms and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 401.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">promote a shared language among banks, for example through the Shift Financial Institution Practitioners <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 413.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Circle and the Shift Business Learning Programme, to name a few.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 442.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Ongoing stakeholder dialogue<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As regards our approach to stakeholder engagement, retail customers, business clients, employees, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">investors, NGOs, suppliers, supervisors and regulators are among our most important stakeholders. Rather <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">than having one-off consultations around specific topics, we have an ongoing dialogue about our role in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 496.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">society, our products and services, our business performance and other issues.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 523.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our engagement approach is informed by the standards of the Global Reporting Initiative (GRI) and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 535.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Sustainability Accounting Standards Board (SASB), and aims to adhere to the best practice provision of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 547.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">section 1.1.5 of the Dutch Corporate Governance Code. We engage in dialogue in a risk-based manner, also <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">39<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">taking into account the outcomes of our saliency assessment. In all the stakeholder dialogues we engage in, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING is committed to adhering to its relevant legal obligations relating to confidentiality.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 108.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our ESG governance approach<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We have updated our ESG governance approach, integrating and aligning ESG governance with the existing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business-as-usual governance of the bank. We want to be a banking leader in building a sustainable future <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for our company, our customers, society and the environment. We do this through the following actions:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 172.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">We focus on climate action, leading by example by striving for net zero in our own operations. We play <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 184.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">our full part in the social and low-carbon transformation that&#8217;s necessary to achieve a sustainable future, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 197.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">steering the most carbon-intensive parts of our portfolio towards reaching net zero by 2050.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 210.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">We collaborate, working with clients to achieve their own sustainability goals, increasing our impact <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">through partnerships and coalition-building.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 236.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">We manage the most relevant environmental and social risks while fostering the protection of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 248.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">biodiversity and human rights across all of our relationships.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 261.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">We work to advance financial health and inclusion for our customers and communities.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 274.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">We empower our colleagues to contribute to our sustainability approach and climate action to make <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 287.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">sure they are highly engaged with our strategy and all sustainability-related topics. For more on <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 300.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">upskilling our workforce, see &#8217;Social&#8217;.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 312.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">We show climate leadership by stepping up advocacy on government guidance needed for the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 325.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">transition, by contributing to the development climate standards for the financial industry and by <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 338.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">sharing our insights and learnings. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 377.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Board-level governance <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 400.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Supervisory Board&#8217;s ESG Committee assists the Supervisory Board (SB) with matters relating to ESG, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">including, but not limited to, the development and integration of ESG across the company and its strategy. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The ESG Committee also assists the SB by monitoring and advising on relevant ESG developments. To <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">prevent an overlap between the ESG Committee and the other Supervisory Board committees, and to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 448.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">safeguard an aligned and common view on ESG, the ESG Committee consists of at least one member of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">each of the other committees.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The ESG Committee met <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 151.7pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">four </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 172.46pt; position: var(--position); text-decoration: none; white-space: pre;">times in 2023. An overview of the variety of topics discussed and supported <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 499.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">can be found in the Supervisory Board report, including how the board monitors and oversees progress <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 511.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">against targets and performance. In addition to the regular meetings, in the first half of 2023 the ESG <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 523.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Committee participated in a full day of climate-focused training, which included deep-dives on climate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 535.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">change, biodiversity and sustainable finance. The outside-in view and external inspiration was provided by a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 547.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">prominent climate academic from a leading Dutch university and the head of the UN&#8217;s Environment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Programme Finance Initiative (UNEP FI). In the second half of 2023, the ESG Committee participated in a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">social and ESG regulations-focused training session, which included deep-dives on financial health and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">inclusion, human rights, Just Transition, ESG regulations and assurance.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ESG is a regular subject on the agenda of ING&#8217;s Management Board Banking (MBB), which includes the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">members of the Executive Board (EB) in their capacity of day-to-day management of the business and long-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">term strategy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ESG was a formal agenda point in MBB meetings 37 times in 2023. In addition, as we take steps to further <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">integrate and embed climate action into the business, many of the other topics on the MBB&#8217;s regular <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">meeting agenda have a sustainability angle. This means that the MBB is discussing and taking decisions on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sustainability- and climate-related topics on a frequent basis. The MBB also plays a role in the global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ambition-setting and oversight of our Terra climate-alignment approach.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 244.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Senior management-level governance<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 278.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ESG Change Board<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 297.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For the integrated oversight of all ESG-related regulatory and change initiatives, and to verify consistency <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 309.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and efficiency of delivery in each of the involved domains, we&#8217;ve created an ESG Change Board. The ESG <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 321.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Change Board is comprised of representatives of all global ESG-related change and regulatory programmes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 333.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">alongside representatives from Data, Compliance and internal audit (CAS - Corporate Audit Services).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 362.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Steering Committees and Sounding Board<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 380.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For all major ESG-related regulatory programmes and/or opportunities, dedicated Steering Committees&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 392.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">have been set up with the aim of ensuring that relevant ESG-related regulations and programmes are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 404.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">monitored, assessed, and implemented. The ESG Sounding Board, comprised of around 15 senior leaders <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 416.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from across the organisation, helps guide the development and implementation of our strategy related to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 428.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ESG topics, as well as monitoring and reporting on our progress.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 484.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ESG Risk Committee<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 502.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The ESG Risk Committee (ERC) is responsible for ensuring the execution and delivery of any ESG risk-related <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 514.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">matters discussed by the Supervisory Board or its committees. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 541.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Members have practical insight into strategic and operational issues and are able to align between <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 553.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">functional or business issues. Within its competences, the ERC serves as a technical (content-related) adviser <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">40<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to MBB and MBB delegated committees (Risk-led committees and the ING Group Disclosure committee). The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ERC serves as a planning body for ESG risk priorities and advises on the approval of all material ESG risk-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">related items.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 117.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Disclosure Committee<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Disclosure Committee (DisCom), which comprises various members of senior management and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business and risk representatives, advises the Boards in fulfilling their responsibilities with respect to ING&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">periodic and ad-hoc disclosure obligations and activities. It aims to ensure that external presentations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">including sustainability information of ING are reviewed prior to public release.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 202.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Global Sustainability department<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 225.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Global Sustainability department is responsible for developing ING&#8217;s overall sustainability approach. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 237.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">department partners with the business lines on developing ING&#8217;s policies, programmes and targets on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 249.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sustainability-related risks and opportunities, and is involved in measuring progress towards these targets. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 261.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We take a holistic approach to sustainability, which means that climate-change mitigation, climate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 273.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adaptation, nature, human rights, financial health, business ethics and other ESG-related topics are all in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 285.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">scope and supported by dedicated experts. ING&#8217;s global head of Sustainability reports directly to ING&#8217;s CEO. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 312.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Stakeholder engagement is of crucial importance to ING, and we engage in dialogue with key external <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 324.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">stakeholder groups, such as NGOs, governments, academics, sustainable research agencies, investors and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 336.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">international development organisations. Internal engagement is just as important, by developing global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 348.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">learning and upskilling programmes on ESG-related topics, also supporting further integration of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 360.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sustainability into our business.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 390.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Business-level governance<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 423.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 442.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING has had a Wholesale Banking Sustainability Steering Committee since September 2022. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 454.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">committee&#8217;s main purpose is to assign clear ownership, accountability and resources within Wholesale <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 466.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Banking (WB) and relevant support functions to help set and implement WB&#8217;s sustainability commitments.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 493.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Each of the seven WB sector teams has a sector global sustainability lead. There are also two regional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 505.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sustainability leads for Asia-Pacific and the Americas, two key regions in our WB network. These nine leads&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 517.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">coordinate and implement WB&#8217;s sustainability ambitions and related tasks at the sector/regional level, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 529.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">following a clear strategy and associated action plans.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For Wholesale Banking, responsibility for ING&#8217;s sustainable finance business sits with the Sustainable Finance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">department, whose reporting line is via the head of Wholesale Banking Lending to ING&#8217;s head of Wholesale <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Banking. This team operates as a centre of expertise for engaging and advising corporate clients, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">supports the execution of sustainability-linked transactions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 129.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For Retail Banking &#8211; which from a governance and organisational perspective includes Business Banking &#8211; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the development of new and innovative sustainable products and the progress of lending portfolios towards <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">climate goals are steered through the Retail Banking Sustainability Steering Committee, which cascades this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">responsibility to the relevant experts and country teams as needed. Sustainability/ESG leads in major <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 196.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">countries have a functional line to the global head of Sustainability to create a stronger connection between <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 208.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">global and local activities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 240.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ESG risk governance <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 267.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ESG risk, and in particular climate risk, is not identified as an independent risk category/ risk type. Rather, it is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 279.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a set of drivers affecting the likelihood and severity of existing risk categories/ risk types, therefore the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 291.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management of ESG risk is embedded within all risk types. The ESG risk framework outlines ING&#8217;s approach <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to managing ESG risk as a driver of existing risk types. For full details on ING&#8217;s risk framework, ESG Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">organisation structure and ESG Risk department, see &#8216;Risk management&#8217;.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 347.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ESG-linked executive remuneration<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING aims to align its remuneration policy with its risk profile and considers the broader interests of all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 386.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">stakeholders. To that end, targets in areas such as customer-centricity, risk &amp; regulations, sustainability, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 398.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">people are just as important as financial results. At least 50 percent of our Executive Board&#8217;s variable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 410.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration targets are based on non-financial performance criteria, including ESG-related targets.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 437.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For full details of our ESG-linked executive remuneration, see the 'Remuneration report'.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">41<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Environment<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 127.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Climate change is one of the biggest challenges facing society. The <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 145.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial sector has a role to play in acting on climate change, <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 163.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">supporting the transition to a net-zero economy, protecting nature and <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 181.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">enabling the circular economy. We take this role seriously and want to <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 199.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be a banking leader in building a sustainable future for our company, <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 217.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our customers, society and the environment.<span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 255.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our approach to climate action<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We have the ambition to empower our clients to reach net zero by 2050. To achieve this, we need to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 294.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">carefully manage the risks and potential impacts on our business, while making the most of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 306.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">opportunities that come with supporting our customers in making their transitions. Our approach focuses on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 318.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">taking action at both portfolio level and client level, with the aim of making positive climate impact.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 345.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We&#8217;ve made sustainability an integral element of our business strategy. And while we believe our biggest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 357.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impact comes from focusing on climate action, our climate action approach is closely interlinked with our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 369.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">approach to nature and to human rights and recognises the interdependencies. Climate change is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 381.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">accelerating biodiversity and nature loss and negatively impacting human rights. Taking measures to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 393.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">safeguard and foster nature supports climate mitigation, while taking an inclusive approach to the climate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">transition helps to protect human rights.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To be successful, and make the difference for people and the planet, we take a dynamic approach to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">climate action: we follow the latest climate science and actively seek guidance from governments and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulators in how to assess and manage climate risks while supporting a smooth and inclusive transition.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We work closely with reputable third parties to translate climate science into climate pathways, scenarios <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and frameworks that guide our actions, aimed at delivering near- and medium-term emissions reductions in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our portfolios on the path to net zero by 2050.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 534.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We're taking action to achieve the ambitious targets we've set, yet the achievement of targets is also <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 546.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">dependent on factors that are outside of ING&#8217;s direct influence. If a particular sector is unable to align with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">net zero by 2050 targets because of, for example, a lack of scalable alternative technologies or insufficient <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">incentives to encourage the necessary changes in customer behaviour, then as a result we may struggle to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">steer our portfolios along the relevant net-zero pathways.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Integrity matters, and transparency drives accountability and accelerates action. ING is committed to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sharing the progress on our targets and the actions we&#8217;re taking in our efforts to meet them, and supports <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">organisations and alliances that promote transparency, clarity and uniformity in reporting. We&#8217;re eager to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">see further international alignment and harmonisation of reporting requirements, including those focused <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on climate impact measurement and target-setting, as well as public sector endorsement of science-based <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sectoral pathways. And we continue to call for more concrete guidance from governments and regulators <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on climate risk and climate adaptation. These improvements help to provide clarity to our clients, whose <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">choices impact the real economy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Our climate action objectives are:</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">&#8226;</span><span style="display: inline-block; height: 12pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Aim to reach net zero in our own operations;</span><span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 251.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">&#8226;</span><span style="display: inline-block; height: 12pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Steer our portfolios and engage with clients for positive climate impact;</span><span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 264.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">&#8226;</span><span style="display: inline-block; height: 12pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Manage climate and environmental risks.</span><span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 297.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Aim to reach net zero in our own operations <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 324.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We aim to play a role in the necessary transition to a net-zero society which begins with our own <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 336.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">operations. This means bringing our buildings, data centres and business travel in line with the net-zero <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 348.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">economy of the future. We measure and steer our progress towards this ambition through our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 360.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">environmental programme, which is steered by a committee chaired by our chief operations officer (COO) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with the participation of colleagues from finance, real estate, IT and HR.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 401.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our path towards net-zero <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 704.1pt; position: var(--position); text-decoration: none; white-space: pre;">buildings<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 754.15pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our ambition for our buildings worldwide, both owned and rented, is to reach net zero by 2035. To achieve <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">this, we focus on improving energy efficiency, using space more efficiently, and moving towards lower-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 443.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">carbon heating systems. A good example of this is the ING Marnix building in Brussels, which is undergoing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 455.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sustainable renovations &#8211; insulating the windows and frames, adding rooftop solar installations, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 467.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">switching to heat pumps. Digitalisation of the way we work and the way we interact with clients and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 479.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customers also supports a decrease in the footprint of our branches and offices. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">We also continue to improve our renewable electricity sourcing and rep</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 874.4300000000001pt; position: var(--position); text-decoration: none; white-space: pre;">orting. In the Netherlands, for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">example, we have a virtual power purchase agreement (PPA) with Vattenfall for the majority of our energy <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 530.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from the &#8217;Hollandse Kust Zuid&#8217; wind farm. We also continue to increase the amount of installed renewable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 542.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">electricity generation &#8211; this includes in the Netherlands, where installed rooftop solar became operational in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 554.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">four new locations in 2023, with an additional annual generating capacity of 176,000 kWh. It&#8217;s our intention <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">42<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to move over time towards more onsite renewables and direct purchasing agreements from local renewable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">projects.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Sustainability at the heart of procurement <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We have a process in place that helps us screen our suppliers better (through our Know Your Supplier (KYS) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">approach), enabling us to assess whether they share our commitment in fighting climate change and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">protecting human rights. In 2023, we also launched a Sustainable Procurement Guideline that contains <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">environmental and human rights criteria for the different procurement categories to inform the process of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">supplier selection. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 201.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Working towards sustainable tech &amp; operations<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 219.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s Tech teams are focusing on reducing CO2 emissions and the impacts of physical materials (e.g. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 231.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hardware, cabling, packaging and other waste) related to our data centres, end-user devices and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 243.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">applications. As part of our data centre consolidation, which involves moving to more energy efficient data <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 255.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">centres in the Netherlands, ING&#8217;s data centres in Singapore and the United States were closed in 2023. We <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 267.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">were also able to reduce the number of servers supporting our Workplace Services (WPS) environment by 90 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 279.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">percent or approximately 3,000 servers. They were moved to cloud-based servers which are more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 291.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sustainable than physical servers in our data centre. In addition, we enhanced our CO2 footprint awareness <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in our workforce, leading to notable reductions in the use of inefficient IT applications. In 2023, we launched <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a pilot involving four markets to validate ING&#8217;s approach to measuring the environmental impact of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">banking operations processes. Building on this, we are further developing a framework to embed sustainable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">processes in our operations. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 368.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Conscious working<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We promote work practices that encourage employees to be conscious of their impact on the climate. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">particular, we focus on striving to reduce our business travel through the use of CO2 budgets, the continued <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">use of video-conferencing tools, and policies designed to encourage the use of rail for travel under 500km. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">addition to our efforts to reduce air t<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 203.22pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">ravel, we also started working on data availability and developing a </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">methodology to measure our employee commuting impact. In 2023, we continued to procure low-carbon </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">fuel on a life cycle basis, known in the market and referred to in this report as &#8216;Sustainable Aviation </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Fuel&#8217; (SAF), from our partners at SkyNRG and Neste (producers). We also procured SAF certificates from Air </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">France-KLM, Lufthansa Group and Singapore Airlines as measures to mitigate our environmental impact. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Additionally, we entered into a partnership with Qantas as part of our SAF sourcing approach this year. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">total, we procured <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 124.16pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">1465mt of S</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 178.51pt; position: var(--position); text-decoration: none; white-space: pre;">AF. Globally, we have an ambition to reach at least 90 perce<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 446.30999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">nt electric </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">vehicles (EVs) in o</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 119.03pt; position: var(--position); text-decoration: none; white-space: pre;">ur car fleet by 2030. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Steer our portfolios and engage with clients for environmental <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 84.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">impact <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 111.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s largest impact on the environment and earth&#8217;s climate is through our financing. We advocate for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 123.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financing more sustainable activities, however we know that we still finance more that is not. Officially <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 135.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">endorsing the Paris Agreement in 2015 and joining the Net Zero Banking Alliance in 2021 have set the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 147.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">precedent for the strategic direction of ING to steer our portfolio to net zero by 2050. We use our Terra <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 159.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">climate alignment approach to address the most carbon-intensive parts of our overall lending portfolio and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 171.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">steer those to net zero by 2050 or sooner. At client level we use our sector expertise, international network <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 183.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and climate-action experience to accelerate our clients&#8217; transitions to a low-carbon economy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 210.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">To improve how we advise and finance clients in support of their transitions, we&#8217;re increasingly incorporating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 222.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sustainability and climate-related considerations into our decision-making processes. For example, as part <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 234.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of our Terra approach, we have devised transition plans for each sector in scope of Terra which help us drive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 246.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio-level alignment with net-zero-by-2050 pathways. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 273.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">When we finance our clients, different governance bodies are in place to assess the incorporation of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 285.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sustainability and environment-related considerations in financing decisions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 315.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Supporting the energy transition<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 338.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We believe that the financial sector has a role in helping the world transition to a low-carbon economy. At <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 350.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING, we take this role seriously, as we strive to be a banking leader in driving the energy transition. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 362.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">systemic change required means no one can do it alone &#8211; governments, NGOs, businesses, financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 374.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">institutions and individuals all have a part to play &#8211; and we can all make the difference for present and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 386.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">future generations if we work together towards the same goals.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 413.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The energy sector is under external scrutiny in the journey to decarbonisation and is the most critical to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 425.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transition to net zero. It is also where ING is focused on driving change with ambitious targets. Our approach <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 437.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to financing the energy sector balances three main societal interests: the need to decarbonise to fight <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 449.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">climate change, the need for energy to remain accessible and affordable for people and companies, and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 461.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">need for security of the energy supply.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 488.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Ultimately, building enough new renewable and low-carbon sources of energy will reduce the need for fossil <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 500.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">fuels and ING strongly supports the objective of this transition. The global economy&#8217;s reliance on fossil fuels, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 512.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in particular on coal for power generation, must reduce to significantly lower levels over the next 10 to 15 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 524.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">years, according to the energy transition pathway set out in the International Energy Agency&#8217;s (IEA) Net-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 536.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Zero Emissions by 2050 (NZE 2050) Scenario. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">43<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Terra approach<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We use our Terra approach to steer the most carbon-intensive parts of our loan book towards net zero by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2050. We continue to refine and optimise Terra, dynamically incorporating developments in climate science, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 111.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and have expanded our coverage to include the mid- and downstream parts of the oil &amp; gas sector value <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 123.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">chain, where previously only the upstream part of the value chain was in scope. We also cover our global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 135.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">commercial real estate portfolio, where previously we only covered the book for the Netherlands, and we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 147.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are expanding Terra to cover Business Banking clients. In doing so, we are first focusing on small and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 159.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">medium-sized enterprises (SMEs) in the Netherlands active in the agriculture (especially dairy farming) and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 171.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">transportation (especially inland ship<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 205.38pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">ping and road transportation) sectors. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 198.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The process for reporting on Terra consists of several steps. Internal data relating to our portfolio <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 210.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">composition is made available soon after ING&#8217;s year-end close. External data relating to climate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 222.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performances is collected later (often between May and September) when this data becomes available. For <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 234.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">this reason, our actual performance considering year-end financial information and climate-related <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 246.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">information is only available well after the annual report is published and is shared in a separate climate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 258.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">publication. The overall reporting process includes checking the external data for consistency and matching <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 270.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">it with internal data. A year-on-year portfolio comparison is made to analyse fluctuations at company or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 282.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">asset level for each sector. This helps us to understand the drivers behind any changes, which can usually be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 294.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">attributed to the climate performance of clients, the composition of sector portfolios and improvements in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 306.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">methodologies. When necessary, scenarios and targets are updated in line with scientific updates to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 318.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">decarbonisation pathways aimed at keeping global temperature rises within the necessary limits for a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 330.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sustainable future. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 357.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Once the process is complete, we draft a progress report, which is incorporated into our integrated climate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 369.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">report. In the report, we make specific calls on sector level to governments and regulators to more firmly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 381.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">guide the transition with harmonised policies and incentives that accelerate the decarbonisation of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 393.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">global economy. The report, approved at Board level, was published in October 2023.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 420.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We utilise external data vendors for the sourcing of information related to all Terra sectors (with the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 432.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exception of upstream oil &amp; gas). Our data vendors have procedures and methodologies in place to perform <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 444.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">checks and controls on their data. The data processes and models of our data vendors are not audited, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 456.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which means that regardless of their checks and controls, data limitations may still exist. Although we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 468.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">perform our own reviews and sanity checks, our procedures cannot fully mitigate the risk of applying <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 480.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">inaccurate, incorrect and/or incomplete data. For some sectors, like residential and commercial real estate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 492.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and mid- and downstream oil &amp; gas, we also make use of proxies and modelling assumptions in our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 504.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">measurements where the data is not available or partly available from our data vendors. Proxies are often <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 516.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sector-average emissions intensities published by governmental agencies. In some cases, the proxy data <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 528.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">used for certain countries and is based on public data sources from a specific district within that country. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 540.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, these sector-average emissions intensity proxies often may not coincide with the current <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 552.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reporting period, which could lead to over- or understating the portfolio emissions intensity.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Sector transition plans for portfolio-level impact<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">To clarify our sector strategies and approaches to net-zero targets, we have devised transition plans for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">each of the sectors in scope of Terra (sector transition plans). These help us to translate sector strategies <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and targets into tangible actions and drive portfolio-level alignment with net-zero-by-2050 pathways. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Tailored plans to each sector take into account the specific conditions, opportunities and challenges of that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">industry. They are also consistent in that they all strive to create alignment, will drive action and make <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 143.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">impact at three levels: with clients, with the market/industry (and our peers active in the respective <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 155.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">industries), and with governments and policy-makers &#8211; with a fourth element being the upskilling of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">colleagues.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 194.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">To be able to better assess the climate performance of our clients, and then use these insights to identify <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 206.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risks and opportunities for supporting clients in their transitions, we have developed a bespoke &#8216;client <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 218.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transition plan&#8217; tool. This online platform is where we&#8217;ve started to centrally collect, assess and monitor <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 230.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">publicly disclosed climate transition plans of our largest corporate clients, starting with those in scope of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 242.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Terra. The transition plan data collected includes, where possible, historic emissions (scope 1, 2 and 3), <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 254.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">commitments, targets, action and investment plans, governance and strategy (such as low-emission <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 266.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">products and services). The data is<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 708.81pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 711.5799999999999pt; position: var(--position); text-decoration: none; white-space: pre;">sourced from the Carbon Disclosure Project (CDP), the Science-Based <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 278.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Targets initiative and public sustainability reports, and where possible including scope 1, 2 and 3 emissions, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 290.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">targets and investment plans of each client, starting with those in scope of Terra and eventually expanding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 302.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to cover all Wholesale Banking clients. By aggregating this information, we can engage in data-driven <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 314.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">discussions with our clients that should lead to greater impact. The tool will also help make our credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 326.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">approval process more efficient.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 355.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Challenges facing our sector transition plans<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Each sector for which we have introduced specific transition plans faces unique challenges on its route to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">net zero. Our sector teams, together with ING&#8217;s Economics department, have identified policy interventions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 397.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that we believe are necessary for each sector to achieve its net-zero goals. In steering our own portfolio, we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 409.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">are dependent on these external actions to meet the 2030 and 2050 targets we have set. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 438.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Power generation <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 457.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The sector is facing various hurdles, including increased costs, delays in issuing permits, availability of land, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 469.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and wider supply-chain bottlenecks. Given that the actions described below typically have long lead-times, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 481.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">urgent government action is required.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 508.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Maximise solar and wind energy: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 707.75pt; position: var(--position); text-decoration: none; white-space: pre;">via permissions and funding incentives like contracts for difference (CfDs). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 520.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Boost power storage technologies such as batteries and hydrogen via hydrogen infrastructure and, where <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 532.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">necessary, provide subsidies.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">44<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">CO2 infrastructure: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 130.28pt; position: var(--position); text-decoration: none; white-space: pre;">grant permits and build infrastructure for carbon capture and storage (CCS) on existing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">waste and biomass incineration plants to create negative emissions. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Power grids: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 98.43pt; position: var(--position); text-decoration: none; white-space: pre;">expand, strengthen and modernise (high voltage) power grids to prepare for increased <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">electricity demand, rapid renewable capacity build out and extreme weather conditions. This includes the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">use of batteries for grid support. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Dynamic pricing<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 114.4pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 120.16pt; position: var(--position); text-decoration: none; white-space: pre;">for corporates and for consumers, to better match the supply and demand of highly <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 169.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">variable output from renewable power sources (solar and wind).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 198.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Oil &amp; gas<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 216.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The challenges we see in this sector include:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 243.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reduce methane (CH4) emissions<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 193.16pt; position: var(--position); text-decoration: none; white-space: pre;">: This can include binding commitments and the implementation of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">norms and regulations, as well as bringing in additional countries to the Global Methane Pledge. Reducing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">methane leaks to the atmosphere is the single most important and cost-effective way to bring down these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 279.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">emissions. There are also opportunities in the elimination of routine flaring during crude oil extraction and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 291.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">integrating renewables and low-carbon electricity into oil &amp; gas production. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 318.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Maximise carbon capture and storage (CCS)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 239.69pt; position: var(--position); text-decoration: none; white-space: pre;">: The pace of decarbonisation of fossil fuels can be hastened by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 330.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">harnessing the potential for CCS. For this, both permissions and infrastructure are required &#8211; in the oil &amp; gas <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">industry, and also in &#8216;hard to abate&#8217; energy-intensive sectors that remain heavily dependent on fossil fuels <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">like the cement, steel and petrochemicals industry. Many net-zero and &#8216;true greening technologies&#8217; still take <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">years to scale-up before they have a sizable impact on emission reduction, and in the meantime, CCS is an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">important bridging technology. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 405.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Maximise hydrogen (H2), biomethane and advanced biofuels<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 318.42999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">: These present near-term opportunities to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 417.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">supply the energy system benefits of oil &amp; gas without additional carbon emissions. According to the IEA, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 429.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">these low-carbon fuels would need to account for 15 percent of total energy supply by 2030 for the world to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 441.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be on track for net-zero emissions by 2050. We are seeing increased support for hydrogen, for instance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 453.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">from the European Commission, which created the European Hydrogen Bank to &#8216;guarantee&#8217; a price for H2 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 465.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">off take. However, member state and EU support mechanisms are not always aligned.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 494.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cement<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 513.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">According to the IEA Tracking Clean Energy Progress report, the global cement industry is not on track to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 525.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">meet its net-zero targets. The report shows that the direct CO2 emissions intensity of cement production <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 537.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">has been broadly flat over the last five years. Major policy developments of the last year (such as the US <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 549.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Inflation Reduction Act and the EU Green Industrial Plan) hold promise for reducing emissions from the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cement sector, but more cooperation between advanced and developing economies is needed to establish <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">effective climate policies and prevent carbon leakage. Development and deployment of low-carbon <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">technology innovation &#8211; such as low clinker cement, carbon capture and storage, and electric kilns &#8211; needs <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to be stimulated, together with emerging technologies in material efficiency and cement recycling.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 129.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Steel <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For the steel sector to be able to reach its net-zero targets, clear regulation that incentivises and supports <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the substantial investments needed in new technology is essential. In addition, the transition the sector is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">going through requires green electricity and hydrogen infrastructure. Cooperation between developed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">countries on carbon pricing and border taxes will be required to avoid carbon leakage in the initial phase, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 196.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">after which the knowledge gained should be used to support other major markets like China and India in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 208.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">their transition.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 237.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Automotive<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Given the global footprint of the automotive industry, the following steps should be undertaken swiftly and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">aligned across the major regional markets of China, Europe and the USA.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 294.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Electrification<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 619.8399999999999pt; position: var(--position); text-decoration: none; white-space: pre;">: continue to stimulate the shift to electric vehicles (EVs), by setting norms and phasing out <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 306.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">internal combustion engine vehicles (ICEs), with the aim to gain scale in EV production, stimulate the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 318.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">development of product ranges, and reduce the relative total cost of ownership (TCO)/km of EVs. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 345.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Infrastructure<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 619.71pt; position: var(--position); text-decoration: none; white-space: pre;">: invest in the accelerated roll-out of EV-related (charging) infrastructure, shift subsidies from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 357.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">fossil fuels to renewable power, establish localised battery value chains and promote circular practices to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 369.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">secure resources in the long term. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 396.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Decarbonise EV value chain<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 681.11pt; position: var(--position); text-decoration: none; white-space: pre;">: enforce EV battery recycling and hold both manufacturers and mining <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 408.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">companies accountable for decarbonising their production processes.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 435.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Behavioural change<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 645.9pt; position: var(--position); text-decoration: none; white-space: pre;">: incentivise the replacement of existing ICEs and stimulate the production of energy <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 447.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">efficient EVs by introducing CO2-related road-charging systems, as well as encouraging the use of public <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 459.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transport and car-sharing. Educate and inform car owners of the lower total cost of ownership of EVs versus <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 471.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ICEs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 500.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Shipping<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 519.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In steering our own portfolio we are dependent on these external actions to address challenges in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 531.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">shipping sector, to meet the 2030 and 2050 targets we&#8217;ve set.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">45<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Efficiency in fleet and voyages<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 181.18pt; position: var(--position); text-decoration: none; white-space: pre;">: significantly reduce carbon intensity of vessels and voyages through <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increased efficiency measures in the short term (such as energy-saving devices, &#8217;slow steaming&#8217;, use of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shore-power in ports and voyage optimisation). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Availability of alternative fuels<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 182.58pt; position: var(--position); text-decoration: none; white-space: pre;">: scale up availability of low(er) carbon fuels in ports, including drop-in fuels <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for existing vessels. Mandate alternative-fuel-capable new builds and retrofits for operating on low carbon <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fuels (produced through green pathways) including hydrogen-based e-fuels. Promote green shipping <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">corridors to create demand for alternative fuels. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 180.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Aviation <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Actions to engage with government and policy makers are needed to meet net-zero targets. For example, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">via IMPACT, there is a need to advocate for reporting standards for airlines and lessors to create more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">transparency and consistency. There is also a need for more research into policy, regulatory and market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">trends to monitor developments in pricing schemes and sustainable aviation fuel (SAF).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 264.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Residential real estate<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 282.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reaching net-zero milestones in residential real estate is largely dependent on the national energy mix of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 294.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the countries where the homes are located, and requires governments and institutions to accelerate the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 306.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">installation of new renewable electricity capacity and shift away from fossil fuels like coal, oil, and natural <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 318.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">gas. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 345.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Governments also have a primary role to play in driving changes in consumer behaviour by mandating, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 357.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">incentivising, and supporting homeowners to make sustainability an integral consideration when <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 369.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">constructing or renovating their homes. While the take-up of our sustainable housing products and services <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 381.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">has shown the promise of change to come, we note that demand among customers is still not at the level <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 393.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">required to drive the transition. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 420.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We continue to engage with government and regulators, like in Australia, where we participate in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 432.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">discussions with government and banking sector peers to advocate for improvements to the data and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 444.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">systems used to understand household energy use. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 471.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In both the Netherlands and Belgium, we participate in round-table discussions with government on how to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 483.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">finance improvements in energy efficiency, also participating in regional Belgian working groups aimed at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 495.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">accelerating sustainable home renovations. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 522.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">At EU level we&#8217;ve contributed (as a member of the steering committee) to the Energy Efficiency Financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 534.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Institutions Group and to the evolving Energy Performance Buildings Directive (EPBD), and generally seek <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 546.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">opportunities to engage on energy efficiency policy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Commercial real estate<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EU legislation on sustainability in real estate, including climate-related policies, is being developed (for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">example the 2021 revision of the EPBD, adopted in early 2023), however the requirements for the real estate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sector from current legislation are still limited, and sometimes voluntary.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 134.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We therefore believe that it is necessary to urgently implement a blend of subsidies, regulations and norms <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 146.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that incentivise the deployment of decarbonisation measures (like insulation and heat pumps) and limit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 158.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transition risks. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 185.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We also see the need for norms and regulation on data measurement and disclosure. Data measurement is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 197.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a precondition for managing CO2 emissions. The real estate sector should be required to measure and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 209.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">disclose the CO2 emissions of buildings, and define strategies to fill in &#8216;data gaps&#8217;. Sound data measurement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 221.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">is not only needed to reduce emissions, but is also a way to anticipate (future) legal reporting requirements. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 233.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Data quality and disclosures should be ensured via central registration.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 260.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Carbon pricing<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 621.43pt; position: var(--position); text-decoration: none; white-space: pre;">: introduce market-based mechanisms such as a global carbon pricing to incentivise the take-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 272.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">up of alternative fuels, bring about drastic reduction of emissions, and provide price parity for low-carbon <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 284.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">fuels.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 314.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Nature <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 331.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our nature approach builds on our Terra approach on climate. We aim to integrate nature in the structures <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 347.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">we&#8217;ve already put in place for climate action, and in our sustainability approach in general. Climate change <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 359.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">is one of the drivers of nature loss; with our updated approach we aim to address other main drivers as well. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 386.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We&#8217;ve identified three objectives that support this, focusing on the impact we have through our loans to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 398.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">companies:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 410.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Managing risk and impacts;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 423.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Steering our portfolio and engaging with clients;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 436.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Promoting &#8216;nature-mainstreaming&#8217; internally and externally.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 462.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">With our approach on nature, we aim to take impactful steps to contribute to halting and ultimately <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 474.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reversing nature loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">46<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s role in accelerating our Wholesale Banking clients' transition to net <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 81.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">zero by 2050<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 104.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING has a role to play in partnering with governments, corporates, citizens and other banks to mobilise the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 116.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">capital needed to successfully finance the unprecedented economic paradigm shift and facilitating the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 128.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">transition to net zero by 2050. An important part of this role is to work with clients and help them achieve <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 140.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">their sustainability goals, and where possible in line with science-based trajectories. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 167.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our strategy builds on the following crucial pillars for our success:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 175.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Partnerships in the evolving sustainable finance markets, be it with regulators, other banks or <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 188.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">corporations to set standards that increase transparency for the market. We cannot transition alone and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 201.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">therefore we deem partnerships with our peers and governments as one of the most important pillars.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 213.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Measure our own progress by continuously reporting on our main strategic objective: to increase volume <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">mobilised to support the transition.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 239.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Tailoring our products to the needs of our clients. We recognise the diversity of our lending book where <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 252.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">strong sector expertise is required to match our well-established and leading sustainable finance <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 265.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">expertise. Therefore, we work together across teams to develop innovative new products that anticipate <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">and meet the needs of our clients and support their sustainable actions.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 290.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Engaging with individual clients to understand their sustainability strategies and transition plans, support <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 303.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">them to connect within their value chains, jointly working to meet global targets set in the Paris <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 316.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Agreement and the Sustainable Development Goals and adhere to ESG regulations.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 356.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Through our sustainable finance activities, we aim to deliver on our main ambition &#8211; reaching net zero by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 368.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2050 through the engagement we have with our clients. We recognise that green is not always black and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 380.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">white and that delivering on this commitment is not an easy task. As the world of sustainable finance is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 392.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">maturing, so are we and we are continuously adapting to new market standards, data availability and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 404.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">quality and the availability of sector-specific pathways that can accelerate our sustainable transition.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 433.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Developments in the sustainable finance market</span><span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 451.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 was a year where sustainable finance markets around the world significantly evolved. From the Green <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 463.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Light Committee, to the Green Bond Standard by EU Member states, t<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 351.23pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">o the Financial Conduct Authority </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(FCA) that requires asset managers to improve ESG fund disclosures. A global wave of regulatory proposals <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">has impacted how we do our business. All these developments are aimed to increase transparency, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 499.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">establish market norms and above all, to prevent greenwashing in the sustainable finance market. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 526.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Specifically, product-based market standards have provided guidance on how we engage with our clients. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 538.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING welcomes the market-led standards from the International Capital Market Association (ICMA), the Loan <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 550.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Market Association (LMA) and the Loan Syndications and Trading Associations (LSTA) and the greenwashing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">guidance from supervisors like the European Securities Markets Authority (ESMA) and the Dutch Authority <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for the Financial Markets (AFM). The additional guidance sets a market precedent and a minimum standard, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which enables us to engage with our clients, but also other banks in a similar way. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">An important development earlier in 2023 was the update to the Sustainability-Linked Loan Principles, set <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">up by a working group, including ING and led by the LMA. The update provides enhanced guidance on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">structuring a sustainability-linked loan. In addition, the LMA has helped standardisation efforts by providing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">legal language for loan agreements that all banks should use when describing SLL structures in loan <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">documentation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">What remains less specifically defined is the term &#8216;sustainable&#8217; as well as &#8216;transition finance&#8217;, especially on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">what attributes are required for a particular asset or project to be classified as 'green&#8217;, &#8216;environmental&#8217;, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;sustainable&#8217;, &#8216;social&#8217; or any similar label. A basis for the determination of such a definition has been <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">established in the EU with the publication in the Official Journal of the EU on 22 June 2020 of Regulation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(EU) 2020/852 of the European Parliament and of the Council of 18 June 2020 (the 'Sustainable Finance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Taxonomy Regulation') on the establishment of a framework to facilitate sustainable investment (the &#8216;EU <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Sustainable Finance Taxonomy&#8217;). We follow such regulations closely and encourage our clients to do the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">same. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 303.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">How we measure our contribution: sustainable volumes mobilised</span><span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In the absence of clear definitions on the terminology and use of the term &#8216;sustainable&#8217;, ING defined &#8216;volume <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mobilised&#8217; as the internal and external measurement of progress. We are committed to supporting our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">clients in their sustainable transition through our product offering and set ourselves the target to mobilise <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;125 billion of volume by 2025. We differentiate between green and social products and sustainability-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">linked products. For green and social products, the proceeds are dedicated to finance assets that are in line <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with the Green or Social Loan/Bond Principles, hence, financing a specific sustainable economic activity. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Sustainability-linked products are a client engagement product and designed to change the behaviour of a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">client and steer their transition. The Sustainability-Linked Loan Principles by the LMA are the main market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">guidance. Our product offering applies to our lending, as well as to our investment activities on capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">markets. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 459.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Supporting our clients through green and social financing structures<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 477.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We believe that by financing dedicated proceeds to green and/or social investments, we can significantly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 489.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">accelerate a green economy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 516.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Green financing solutions, such as green bonds and loans, form an integral part of our sustainable finance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 528.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">strategy as they are used to fund specific green or sustainable projects. To make sure the proceeds of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 540.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">loans and bonds are allocated to activities which have a positive impact on our environment, we structure <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 552.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our Green Loans and Green Bonds according to the market-accepted practices, in particular the Green Loan/<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">47<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Bond Principles, and align them where possible with the EU Taxonomy. These principles give guidance on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">eligible categories for green financing, as well as guidance on the allocation process for proceeds and how <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to report on the allocation. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our sustainability efforts are also directed towards the social aspects of helping customers and society stay <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a step ahead of the challenges they face. Social loans and bonds focus on providing funding for social <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">projects which aim to address or mitigate a specific social issue. They can also seek to achieve positive social <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">outcomes for specific demographic groups, such as access to healthcare in low-income countries. For this, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">we also use the Social Loan/Bond principles for guidance.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our sustainable finance experts work across sectors to harness innovation and disruptive technologies that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">have the potential to accelerate the transition of our clients and our portfolio to net zero. They collaborate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with our global sector coverage colleagues to achieve this, complemented by teams and centres of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">expertise dedicated to particular emerging themes. For example, the Sustainable Value Chains team, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">created in May 2023, aims to investigate and capitalise on new business opportunities that cut across <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">existing and new value chains.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 279.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Green bond framework funding green through ING&#8217;s green bond framework<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To support the growth of our green finance portfolio, and to meet green funding needs, ING issues green <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">bonds, supported by our green bond framework. The framework aligns with the International Capital Market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Association&#8217;s (ICMA) Green Bond Principles (GBP). We intend to allocate the proceeds of our green bonds to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 334.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">an Eligible Green Loan Portfolio of new and existing loans including renewable energy projects and green <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">buildings. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Under this framework, ING Group and its subsidiaries can issue any debt security (such as senior bonds, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">subordinated bonds, covered bonds, commercial papers and medium-term notes) to finance and refinance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 397.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">assets and projects which aim to contribute to the UN's Sustainable Development Goals and our own <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 409.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sustainability. ING established its sustainable debt strategy via the publication of the framework. Since then, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 421.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">we have continued to take steps to enhance our sustainable debt strategy and see it as an important tool in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">supporting the growth of our own sustainable finance portfolio. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In alignment with the ICMA&#8217;s 2021 GBPs, the framework is presented through four pillars: use of proceeds, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">process for project evaluation and selection, management of proceeds and reporting. The framework also <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">follows the recommendations of the Green Bond Principles regarding external review.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 513.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Supporting our clients through sustainability-linked structures<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 531.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Sustainability-linked loans/ bonds (SLLs) link interest margins to a company&#8217;s sustainability performance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 543.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">through mutually agreed KPIs and pre-defined annual performance targets. This mechanism enables ING to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">support, motivate and reward or punish clients in their aim to become more sustainable. ING is the creator <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of the sustainability-linked loan, pioneering it in 2017 for Philips. The original loan was linked to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">improvement of Philips&#8217;s Sustainalytics ESG rating and later converted into a KPI-linked loan with KPIs <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">aligned with Philips&#8217;s sustainability goals for lives improved, lives improved in underserved communities, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">circular revenues, and operational carbon footprint.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Improved market standards and guidelines support us in having more focused discussions with our clients <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regarding defining KPIs and address the most material ESG topics of our clients through meaningful and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ambitious sustainability performance targets. We ask our clients to externally verify sustainability <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">performance targets in line with the Sustainability-Linked Loan Principles by the Loan Market Association <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(LMA). We believe that through the annual check-in on targets and continuous client dialogue, we have the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">chance to support our clients' transitions from up close, thereby also delivering on our own strategy. As the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">originator of the sustainability-linked loan, we strive to keep standards for the use of sustainability-linked <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">instruments high and welcome all initiatives to strengthen and protect the credibility of the sustainability-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">linked loan market. In 2023, sustainability-linked loans accounted for nearly 41 percent of the financing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">volume mobilised by ING that contributes to our clients' transitions to more sustainable business models.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 276.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Supporting our clients through ESG advisory<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 295.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Besides financial support, we help clients navigate the rapidly changing regulatory landscape and advise on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 307.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">their net-zero strategy. Clients benefit from our deep and broad experience built up over the years helping <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 319.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">other companies on ESG-related journeys. Some clients are ahead of the curve and for them we frequently <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 331.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">act as a sounding board, alongside our financing-related role. Other clients are at the early stages of their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 343.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sustainability journey. For them, we provide guidance based on our market experience and suggest areas <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 355.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">where they can make impact to become aligned with climate pathways and their peers. The core services <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 367.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">we offer through our ESG Advisory expertise are centered around ESG strategy advisory, ESG rating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 379.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">advisory, ESG reporting advisory and ESG product advisory.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 408.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other ways to support our clients<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We also look for other ways to support clients taking steps to achieve their sustainability ambitions and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 438.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">anticipate the future economy. Many of these ambitions are based on innovative technologies, business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 450.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">models or client propositions that have a higher risk profile and are not yet suitable for standard financing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 462.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">solutions. ING supports clients with their sustainability goals by providing risk-bearing capital, offering a wide <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 474.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">range of tailor-made financial solutions, including equity (investments) and subordinated debt. In addition <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 486.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to this, we help drive the necessary net zero-supporting innovation by functioning as a laboratory for new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 498.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sustainable technologies and business models in need of financing within the EMEA region, with a focus on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 510.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">circular economy, bio-chemicals, waste and water, and other sustainable development projects. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">48<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Product offerings for Retail Banking<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In Retail Banking, we aim to help customers transition to a low-carbon environment. While we have provided <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sustainability products and services in Retail Banking since 2017, in the last two years we have introduced <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 111.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sustainable banking products across our markets, following a sustainable alternative products roadmap, to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 123.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">facilitate this transition. It is our aim to have sustainable alternatives for our main retail products in all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 135.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">markets by 2025.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 164.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Product offerings for Retail - Private Individuals<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 183.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Sustainable housing is one of our main priorities in this area. Residential real estate represents one of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 195.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">more carbon-intensive sectors that we lend to. Therefore, it is an opportunity for us to work together with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 207.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our customers to reduce the CO2e intensity of their homes.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 234.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We aim to steer our work in this area as part of our Terra approach, towards delivery of ING&#8217;s overall net-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 246.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">zero commitment by 2050 &#8211; including intermediate 2030 ambitions. To reach net zero, homes in ING&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 258.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">mortgages portfolio should reach an average CO2e intensity of 16.8 kg CO2e/m2 in 2030 and 0.3 kg CO2e/<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 270.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">m2 in 2050. These milestones are informed by our convergence pathway, with the latest net zero pathways <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 282.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">published by the Carbon Risk Real Estate Monitor (CRREM V2.02). We aim to steer our mortgage portfolio in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 294.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands, Germany, Belgium, Poland, Spain, and Australia, representing around 96 percent of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 306.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">mortgages book (excluding WestlandUtrecht Bank) in terms of outstanding.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 333.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, we continued to work on this priority, covering how we finance customers to change, provide <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 345.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">inspiration and information that helps them in this process, and finally how we engage with partners and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 357.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">governments to support ecosystem change. Such engagement with external stakeholders helps to inform <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 369.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">choices we make, particularly related to how we connect our customers with renovation service providers. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 396.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To limit negative consequences and empower our customers to realise the positive impacts of making their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 408.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">homes more sustainable, we offer sustainable mortgages that incentivise customers to choose energy-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 420.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">efficient homes in the Netherlands, Germany, Belgium, Italy, Romania, and Spain. In Poland, we continued <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 432.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to support customers in making sustainable decisions with a mortgage for energy-saving houses. In the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 444.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands, we launched a new renovation mortgage, which, for example, allows customers to increase <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 456.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">their loan-to-value to help cover the cost of renovations. We also continued to offer unsecured sustainable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 468.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consumer loans that can be used for energy-efficiency renovations in Belgium, Luxembourg and Poland, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 480.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">extending this offer to Germany in 2023. In Romania we provide incentives for the installation of solar <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 492.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">panels.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 519.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition to our own financing, we contribute to efforts that connect homeowners to public financing &#8211; like <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 531.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our financing (through our Business Banking lending) of the Warmtefonds (National Heat Fund), which aims <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 543.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to have both a positive environmental and social impact by enabling low-income households in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands to make their homes more sustainable. In 2023, ING made a further &#8364;200 million in financing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">available to the National Heat Fund.<span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 715.28pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 106.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We also provide customers with a range of tools and platforms that can support them in their renovation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 118.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">efforts. This includes providing access to renovation platforms that help customers determine what <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 130.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">renovation actions to take, link them to renovation contractors, and connect them to financing to pay for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the necessary improvements. These platforms include homeQgo in the Netherlands, CFP in Belgium <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(through our mortgage advisers) and a renovation calculator built in partnership with KfW Bank in Germany<span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 1035.68pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 183.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We strive to raise awareness and educate customers, and have made increasing amounts of information <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 195.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">available. In Belgium, for example, we have launched a Sustainable Buildings Guide, a free digital tool that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 207.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">helps customers identify which investments to make to improve the energy performance of their homes. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 219.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We are also providing renovation-related insights to customers via email newsletters and our websites. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 231.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands, our web pages on sustainable housing have been visited more than 200,000 times.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 258.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We also continue to build our customer advisory services, for example in the Netherlands, Belgium, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 270.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Germany where we provide training to mortgage advisers on eco-renovations so they can better advise <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customers interested in improving the sustainability of their homes. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 309.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We monitor the effectiveness of each of these efforts at the country level, and collectively aim to steer on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 321.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">those through a Net Zero Housing Committee, which brings together representatives from our largest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 333.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mortgage markets, and colleagues from ESG Risk, Retail Banking, and Sustainability. A key insight we have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 345.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">learned from all our efforts is that renovating homes to improve energy efficiency is a massive challenge for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 357.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">homeowners (particularly those most vulnerable) and housing renovation companies, and requires <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 369.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">significant government intervention to regulate, incentivise, and support the process. Accordingly, ING is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 381.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">committed to increase our engagement with government and other stakeholders to create more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 393.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">momentum towards such renovations in society.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 422.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Product offerings for Retail - Business Banking<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 441.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We are helping Business Banking customers make their businesses future-proof, by offering loans and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">leasing solutions for sustainable purposes (e.g. transition to renewable energy, sustainable real estate, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">electric vehicles). Our ambition is to offer relevant sustainable financing alternatives in all countries and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 477.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">segments and grow our new production of sustainable financing from approximately &#8364;1 billion today to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 489.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">over &#8364;2 billion by 2025.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">To offer relevant solutions for all customer segments, our product offering ranges from instant sustainable&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">loans for the self-employed and micro companies, to tailor-made sustainable loans and lease solutions for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">SMEs and mid-corporates. Products such as sustainable loans, sustainable lease solutions and sustainability <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 552.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">improvement loans are now offered in the Netherlands, Belgium, Romania, Poland, T&#252;rkiye and <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">49<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Luxembourg. A key development in 2023 was a new agreement with the European Investment Bank (EIB) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">making &#8364;600 million available for new sustainable loans and leases, at favourable interest rates, to SMEs in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium, the Netherlands and Luxembourg to boost sustainability.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In the Netherlands, we continue to build on our successful real estate platform that helps customers gain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">insights on their commercial real estate, provide actionable insights and advice to improve their energy <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performance while providing financing solutions. We have scaled this platform to Belgium and are exploring <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">further ways to extend it to other markets and sectors.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Another notable development in 2023 was the launch of a carbon footprint calculator in Poland, which helps <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">SMEs calculate their carbon footprint using their own data on energy consumption, raw materials, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">resource use. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 234.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Manage climate and environmental risks</span><span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Managing our climate (and other environmental) risks is a key element of our climate approach and ING&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">overall strategy. We have invested a significant amount of time and resources in developing our capabilities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and expertise in this emerging and fast-developing area of risk, and strive for continuous improvement.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s integrated climate approach considers how we can mitigate climate change through our financing as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">well as how climate change may adversely impact our business. We&#8217;re working to become more resilient to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">climate risk, and have the ambition to become an expert in managing and mitigating these risks as we are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in managing credit and other forms of financial risk.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Climate risk can impact the macro-economy, businesses, and individual households. Ultimately, physical <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and transition risks could impact our balance sheet and profitability. Our approach is focused on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 400.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consistently embedding climate risk considerations across our global organisation, aiming to make it an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 412.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">integral part of how we do business.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 439.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Over the near-term time horizon, we plan to continue refining our methodologies to evaluate climate risks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and opportunities. We&#8217;re working on putting into practice quantitative methodologies for climate and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">environmental (C&amp;E) risk identification, materiality assessment and risk appetite setting. This is supported <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 475.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by the integration of C&amp;E risk considerations in risk policies and procedures, our ESG Risk Framework.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Going forward we aim to further enhance our climate and environmental risk management by:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 510.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Continuing to address the expectations of the European Central Bank (ECB) Guide on climate-related and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 522.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">environmental risk;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 535.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Continuing to close the gaps on climate risk data;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Improving our understanding and assessment of the impact of other environmental factors such as <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">biodiversity; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Identifying opportunities to support our customers who face transition or physical climate risks; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Building up capacity and upskilling colleagues to understand and deal with the impacts of climate and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">environmental risks.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 140.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Read more on ESG risk structure and governance in 'Risk management'.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 170.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Meeting ECB expectations<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 193.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The European Central Bank expects all banks to be aligned with the 13 expectations outlined in the ECB&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 205.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">guide on climate-related and environmental risk. We are currently addressing these, and aim to be aligned <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 217.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with the ECB&#8217;s expectations by the end-of-2024 deadline.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 247.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Continuing to close data gaps<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 270.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Climate-related data is essential to fully understand and manage C&amp;E risks and to report in line with current <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and upcoming regulations on ESG disclosures. To keep improving our assessment methods for both physical <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 294.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and transition risk, we need detailed data from our counterparties, including data on specific assets and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 306.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regions, their vulnerability to risks, and the actions they are taking to mitigate these risks. We have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 318.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">partnered with various external data providers and have launched internal initiatives to source data directly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 330.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from our clients and suppliers. Data quality poses a universal challenge for companies and financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 342.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">institutions managing climate and environmental risk.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 372.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Understanding and assessing interlinkages and dependencies<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Biodiversity loss is inextricably linked to climate change, and our approach to ESG risk includes managing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">nature-related risks. We aim to introduce further granularity in our biodiversity hotspot analysis, and have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">been testing an approach for measuring biodiversity impact which we expect to give us more detailed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">insight into the sectors in our portfolio that are both most dependent on and most impacted by biodiversity.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 461.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Supporting customers<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 484.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We&#8217;re currently developing an online platform to centrally collect, assess and monitor the publicly disclosed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 496.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">climate transition plans of our clients. This platform will rely on information sourced from the Carbon <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 508.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Disclosure Project (CDP), the Science Based Targets initiative and clients&#8217; own public sustainability reports. By <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 520.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">aggregating this information, we&#8217;ll improve our insights into our clients&#8217; transition plans, and be better able <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to identify both risks and opportunities - enabling us to better support our clients in mitigating and adapting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 544.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to the effects of climate change.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">50<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Social <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 112.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As an employer, we aim to provide a safe and inclusive workplace, with <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 130.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a workforce that reflects the diversity of our customer base. We believe <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financially healthy people contribute to a healthy economy and drive <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 166.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">social progress, which is why we aim to support customers in meeting <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">their financial commitments now, while building their financial security <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 202.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for tomorrow. We believe every person deserves to be treated with <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 220.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">dignity and have their interests considered equally. <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 253.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We can help address social challenges as a financier, employer, service provider, and driver of progress and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">prosperity. We consider our social priorities to begin with our employees, including diversity, equity and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">inclusion, learning and development, engagement and well-being. The satisfaction and financial health of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our customers is also central to our social contribution, as is our commitment in society to human rights <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and financial inclusion.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 328.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Unlocking our people's full potential<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING makes the difference through the activities and actions of our people. We unlock our people's full <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">potential through our inclusive culture, where everyone has the opportunity to develop and have impact for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 386.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our customers and society. In 2023, we focused on three pillars to deliver for our people: &#8216;talent &amp; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 398.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">leadership&#8217;, &#8216;culture &amp; organisation&#8217;, and &#8216;employee experience&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 425.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Talent &amp; leadership<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 457.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Skills and capabilities<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our success depends on our ability to attract, develop and retain people with the skills we need to deliver <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">great performance. We upskill our workforce by providing our people with the learning and development <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">they need to perform well and grow their careers. In 2023, we made learning solutions more accessible <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 522.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">through a global learning offer, rolling out Udemy Business to 37 countries, which provides on-demand, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 534.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">relevant and engaging content in an accessible, digital way. We have had a successful uptake of more than <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 546.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">20,000 global users, earning a 4.2 out of 5 rating from learners.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Completion of learning courses increased by 5.7 percent and 1,189,829 hours of learning were undertaken. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The positive trend for non-mandatory learning continued, making up 48 percent of all learning completed in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2023, up from 43 percent in 2022, with more people electing to learn new skills and build capabilities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">relevant to their job roles and function.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In the context of sustainability, we aim to make sure that our colleagues are highly engaged with our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">strategy and all sustainability-related topics, especially climate action. In support of this, we&#8217;re developing a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">global sustainability learning programme. The first delivery &#8211; an e-learning covering the fundamentals of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our sustainability approach &#8211; launched in April 2023. We have also created upskilling programmes aimed at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">developing more expertise, and the first modules on Climate &amp; Environmental Risk were released in July <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2023. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We provide role-based development via 10 global academies. These academies offer relevant, engaging and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING-specific training for the skills required now and in the future. For example, our technology academy <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rolled out a new ING-specific learning offering, which was developed in-house, in collaboration with internal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">engineers. More than 4,700 engineers have so far enrolled to this global offer and have taken the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">opportunity to upskill on topics like Public Cloud, Java and Oracle.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Also in 2023, our COO academy defined six core future skills for our more than 16,000 COO domain team <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">members. These skills are being assessed across the organisation and learning journeys are being <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">developed, as we want our Operations teams to be equipped for high performance now, and ready as their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">roles change due to increased efficiency, digitalisation and AI. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We also had the Wholesale Banking Business School launch the capital velocity programme in 2023 to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">support our strategic ambitions. Participants learned how to optimise the balance book in the face of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">challenging external conditions. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 403.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Building leaders for today and tomorrow<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 433.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING has an abundance of internal talent and a strong culture of developing our people. In 2023, we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 445.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">introduced a new approach that gives us a broader, deeper and more global visibility of our talent across <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 457.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING. This includes emerging leaders and the functional and technical experts that drive the success of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business. As a result, we&#8217;re able to accelerate the development of these leaders, aiming for a healthy <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 481.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">leadership pipeline that reflects our global and diverse organisation, and retain our experts that are hard to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">find in the market.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 520.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, we delivered a successful pilot programme to train rising leaders who are preparing for leadership <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">roles. A diverse global pool of participants (50 participants, coming from 10 countries, 54 percent of whom <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 544.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">were women) graduated from this intensive leadership programme focused on strategically relevant topics <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">51<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">such as sustainability, digitalisation and AI, combined with business challenges that allowed them to apply <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">their learning to genuine business risks and challenges. The programme achieved an above-average Net <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Promoter Score (NPS) of 73 and will be scaled up in 2024.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We also support the development of leaders at other key transition points. Our first-time leadership <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">programme, Leadership Fundamentals, supported 315 people in 21 countries. Our programme for more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">experienced People Leaders was updated to include skills required to lead hybrid teams, with 463 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">participants in 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, we continue to attract and develop early-in-career talent through our global International Talent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Programme (ITP). In 2023, we hired 119 graduates in 11 countries and nine different areas of expertise <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(Retail Banking, Business Banking, Wholesale Banking, Tech, Analytics, Risk, Operations, Finance and HR). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">These 119 new trainees will replace the 77 that started in 2021, concluded the programme in 2023, and are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">now in roles across the bank. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 256.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Culture &amp; organisation<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 279.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our vision is to unlock our people&#8217;s full potential through our inclusive culture where everyone has the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 291.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">opportunity to develop and have impact for our customers and society. To achieve this vision, we follow an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">approach that is based on data and evidence to keep track of progress.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 332.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Equal pay for equal work<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Equal pay for equal work assesses whether female and male employees in the same job receive equal pay <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for equal work. We calculate this with our GJA, which allows us to compare like-for-like jobs. It categorises all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1,425 job profiles within ING in a standardised and simple way, using common language that makes it easier <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to compare and match accountabilities and capabilities across countries and business lines.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, ING performed an &#8216;equal pay for equal work&#8217; assessment across all countries using data from 2022. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The results have been shared with the countries we operate in for further analysis. There are circumstances <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">when it is appropriate to pay employees differently, even if they are doing similar jobs, for example because <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of differences in skills or differences in performance. Where any unjustified differences are found, we make <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the necessary adjustments to ensure equal treatment.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 491.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Diversity, inclusion and belonging<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 509.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Using insights like the gender pay gap and equal pay for equal work analysis, we bring diversity, inclusion <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 521.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and belonging (DIB) to life with a full package of structure, data, metrics and communication. Our diversity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 533.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and inclusion (D&amp;I) policy commits us to:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Actively support diversity, equity, and inclusion, and embed a culture where everyone is valued and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">treated with dignity and respect;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Ensure that people leaders work in partnership with their teams to create and sustain an inclusive <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">working environment where everyone's unique contribution is valued and where everyone feels a sense <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">of belonging;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 128.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Ensure that decisions affecting employment, learning and development, promotion and career <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">development are based on an individual's ability and reflect genuine requirements of the job;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 154.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Conduct annual analyses of our global gender pay gap and equal pay for equal work as part of our <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">commitment to denounce discrimination and to promote equal remuneration for work of equal value for <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 180.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">all employees; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 192.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Provide everyone with the appropriate information, and training, on diversity, equity and inclusion in the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 205.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">workplace;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 218.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Make the necessary adjustments to meet the needs of people with disabilities where reasonable and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 231.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">practicable to do so;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 244.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Strive continually to provide people with a working environment that is free from discrimination and/or <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">harassment of any kind;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 269.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Behave in accordance with the values and behaviours of our Orange Code, which applies to all ING <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">business units in all countries worldwide.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our stance on discrimination<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 326.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">At ING, we denounce all forms of discrimination. We are working together to create an inclusive workplace <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 338.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and, in turn, play our part in building an inclusive world. To support our ongoing efforts to create meaningful <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 350.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">change, we have measures that aim to keep discrimination from happening within our company. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Discrimination includes any distinction, exclusion or preference made on the basis of age, sex, gender <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">identity or expression, gender reassignment, sexual orientation, family responsibility (including pregnancy, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 386.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">maternity, paternity and adoption), partnership status, cultural background, religion, race, ethnicity, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 398.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">physical or mental disability, nationality, political opinion, social origin or any other status, that has the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 410.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">effect of nullifying or impairing equal opportunity or treatment in employment. Any distinction, exclusion or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 422.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">preference not based on the inherent requirements of the job is deemed as discrimination. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 451.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">A renewed global diversity, inclusion and belonging (DIB) strategy<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">To achieve the commitments set out in our global D&amp;I policy, ING's senior management endorsed our new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 481.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">global DIB strategy in November 2022, which builds on our previous 70 percent principle. It contains clear <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">actions on increasing gender diversity and equity, while setting a strategic roadmap for structural and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">behavioural inclusion at ING, in the actions of our leadership, in our individual and collective behaviours, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in our structures and processes. This way, we can achieve sustained and measurable change.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">52<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We are equipping our most senior leaders with practical skills on inclusion through targeted workshops, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">attended by 140 leaders across ING globally so far. In 2023, members of our Management Board became <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">allies of our diversity and inclusion employee networks, of which there are over 35 globally relating to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">gender, LGBTQI+, culture, race and ethnicity, disability, and generations. Through structured dialogue with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the leaders of our employee network across ING, the members of the Management Board are learning <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">about the experiences of employees of diverse identities with the aim of addressing structural inequalities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and driving inclusive behaviour. As well as fostering diversity, inclusion and belonging in these areas, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">networks raise awareness around how workplace issues affect certain groups and provide employees with a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sense of connection and belonging. To celebrate the diversity of our global workforce and encourage <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">inclusive behaviour, we held our fifth consecutive Global DIB Day in 2023, with 22 countries hosting over 90 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">events with the active engagement of 4,000 employees.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To improve gender diversity in senior management, in 2023 we made it a requirement that external <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">recruitment firms provide gender diverse candidate lists. We promote flexible working to enable all parents <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to succeed professionally while managing their family lives. We have seen how flexible working benefits the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">lives of employees &#8211; especially those with care-giving responsibilities &#8211; which is why we remain an advocate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of it. In our largest market, the Netherlands, we introduced extended parental leave for new mothers in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023. This new provision complements our existing parental leave, which is gender neutral and inclusive of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 283.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">diverse families. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To achieve greater equity, we have embedded &#8216;bias interrupters&#8217; in our recruitment, performance-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">evaluation, and talent-assessment processes. We're also developing the capabilities of our people leaders <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and HR professionals to judge fairly and without bias.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We are committed to building a strong internal pipeline of talented women into senior leadership roles. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 373.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Through our leadership accelerator programme, which has a 54 (female)/46 (male) percent gender split in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 385.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the participant group, we provide content that addresses gender-specific barriers to progression. We also <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 397.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">monitor the gender balance in our leadership pipelines. In 2023, we added a second bank-wide gender <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 409.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">diversity target to increase the representation of women in our leadership pipeline, in addition to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 421.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">existing gender diversity target for senior leadership. The variable pay of our Executive Board and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 433.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Management Board Banking is linked to the delivery of these internal targets on gender diversity.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 460.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Much of our diversity data is based on demographic representation. Our gender diversity analysis continues <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 472.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to become more advanced, with combined dashboards of hiring, retention, and progression and forecasting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 484.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">tools. Furthermore, we are broadening the diversity demographics against which employees can self-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 496.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">disclose, within legal and data protection parameters, to continually inform our strategies and meet <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 508.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increasing external reporting requirements. As we improve the quantity and quality of diversity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 520.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">demographics across ING, we will evolve our diversity target-setting where needed to address under-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">representation. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">To better understand our employees&#8217; experiences of inclusion, we introduced an Inclusion Index in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">fourth quarter of 2023 in our OHI survey. As part of this, we analysed different experiences of inclusion <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">based on gender, age and organisational demographic, allowing us to take targeted action where required. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Inclusion Index will be measured annually.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, we rolled out a diversity, inclusion and belonging learning curriculum for all employees, people <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">leaders and senior leaders to encourage inclusive behaviours at all levels. The curriculum provides everyone <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with training on diversity, equity, and inclusion in the workplace.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 180.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">External recognition of DIB efforts<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">One of the ways we create a more equitable and inclusive workplace is through external and independent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">review. ING was one of the 484 firms recognised in the 2023 Bloomberg Gender Equality Index (GEI), which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">offers public companies the opportunity to disclose information on how they promote gender equality <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">across five separate areas: female leadership and talent pipeline, equal pay and gender pay parity, inclusive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">culture, sexual harassment policies, and pro-women brand. In 2023, ING scored 72.3 percent, an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">improvement on the 70.35 percent score from 2022. This is the eighth year that we've been included in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">listing. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We are a founding partner of Workplace Pride, an organisation dedicated to improving the lives of LGBTQI+ <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">people in workplaces worldwide. Its activities include the International Workplace Pride Global Benchmark, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which assesses companies in eight areas and identifies best practices. In 2023, ING scored 82.07 percent in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the benchmark, an improvement on the 78.8 percent score in 2022, earning us a recognition of Workplace <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Pride Ambassador for the fourth year running. ING is dedicated to having an LGBTQI+-inclusive culture and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our Rainbow Lions networks across 10 locations have played an important role in shaping this.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 387.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Vitality<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 595.9499999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 408.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our people are our biggest asset and only by unlocking their full potential will we be able to make a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 420.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">difference for our customers, our society and our planet. Therefore, we need the right energy, which at ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">we call vitality. We are aware that work-related stress is a reality for some, and this is monitored both <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">locally and globally through a vitality section in our employee survey once a year, with the results used to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">shape and track our vitality initiatives. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Building on the initiatives of 2022 to enhance our people&#8217;s vitality by supporting them in developing the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">right working habits, in 2023 we created a global set of &#8216;working habits for vitality&#8217; that will help our people <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">make the right decisions to maintain and improve their vitality. We also give people insights into their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">working habits through technology, and offer practical tools to help them work in a sustainable way. These <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">can be team agreements on working flexibly, or training on how to maintain a healthy work-life balance. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We promote a flexible way of working among our employees through our International Remote Working <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 555.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">programme, hybrid-work flexibility and various paid-time-off programmes.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">53<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We aim to equip managers with the resources they need to support and guide their teams in having more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;vitality&#8217;, because managers play a key role in the success of the &#8216;working habits for vitality&#8217; by setting the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">right example. The training programme followed a phased roll-out approach until the end of 2023, and will <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">continue in the first quarter of 2024.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We continue to count on local initiatives to offer customised vitality solutions to our employees. Alongside <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the continuous vitality offerings that are available every year, there were a number of local initiatives in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 to support our vitality pillars: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Mental health<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 194.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In Germany, we put a focus on mental health by discussing sensitive topics in interviews with experts and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 206.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">gave colleagues information and support via monthly newsletters and lunch-and-learns. And at our Poland <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Hubs, we marked Mental Health Week by giving employees access to related topics webinars, podcasts and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 230.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">activities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 257.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Physical health <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 273.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As part of our Collective Labour Agreement (CLA) in the Netherlands, more than 3,700 employees <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 285.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">underwent a personal health check via an external partner. Based on their individual outcomes, we offered <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 297.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customised support to improve their vitality, such as online nutrition coaches, face-to-face vitality coaches <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 309.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and digital support tracks. Employees in Poland also received the same offer.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 336.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Social connection<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Australia and Germany have either set up or expanded their mental health first aider peer-support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">networks. ING employees can opt in to be trained in mental-health first aid to signpost those struggling or in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">distress to the appropriate help.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial health<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In countries such as the Netherlands, Romania, Poland, Spain, the Americas, Belgium, and Australia, we offer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial coaching for our employees to discuss how financially healthy they are.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 458.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Family and friends<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Spain's &#8216;Plan Familia&#8217; is a programme intended to support employees who have a dependent child with a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">congenital or acquired disability of over 33 percent with a monthly allowance. Poland has a similar offering. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium rolled out the vitality boost programme, in which employees can follow an 8-10-week journey in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the area of vitality they need most (on any of the pillars). This was a unique and multidimensional approach <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 522.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that has already led to positive employee experiences and impact.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Employee experience <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Providing a superior customer experience is a strategic priority. This matters just as much for employees, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and we are therefore focused on continuing to improve our employee experience. We aim to provide <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 111.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">personal, easy and efficient services that encourage our people to unlock their full potential and be the best <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 123.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">they can be. In 2023, we continued to deploy our global HR system to more than 70 percent of our total <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 135.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">employee population. We also made progress in digitising our employee journeys with more automation, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 147.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">such as in the area of expenses or employee document handling. Another priority has been the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 159.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">simplification of HR processes and the reduction of administrative tasks for managers. For instance, in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 171.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands, we reduced the number of notifications and approval steps on HR-related processes from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 183.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">16,000 to 6,000 per month.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 215.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Customers <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 242.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Part of ING&#8217;s purpose to empower people to stay a step ahead in life and in business means helping <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 254.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customers and society stay a step ahead of the challenges they&#8217;re facing. One of the ways we can make a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 266.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">difference here is by aiming to advance financial health and inclusion for customers and communities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 296.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Customer-centricity policy<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As a global bank, we recognise the impact our activities can have on society and individuals. Therefore, our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Orange Code promise is: &#8216;Integrity above all, by balancing the rights and interests of all stakeholders&#8217;. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2023, we solidified this promise by creating a global customer centricity policy. The introduction of this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">policy is one measure we have taken to prevent contributing to customers&#8217; financial distress. The policy is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">based on our customer golden rules (CGR).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s purpose is to empower people to stay a step ahead in life and in business. To help our potential and/or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">existing customers do this, ING offers a large variety of financial products to a large variety of customers. As <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a result, ING faces a multitude of risks and regulations. The CGR define high-level common principles to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ensure ING handles these risks and regulations appropriately. Complying with the CGR will help to: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 442.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Ensure we protect, safeguard, and not violate the rights of customers;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 455.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Ensure we put the customers&#8217; best interests, protection, and needs at the centre of all our activities;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 468.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Contribute to a sustainable society; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 481.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Mitigate the risk of mis-selling and customer detriment.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The customer golden rules are: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 528.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">We offer products and services suitable for the customers throughout the whole relationship lifecycle. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 541.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">We offer products and services at a fair price considering the market, costs and risks.<span style="display: inline-block; height: 12pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">54<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">We communicate information on products and services in a clear and non-misleading manner.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">We provide services and trusted advice through professionals with the necessary knowledge and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">expertise. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">We consider the Environmental, Social and Governance (ESG) risks and impact of our products and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">services.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">When we create and sell products, it is our policy to take into account the wider interests of society. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">means we aim to provide products that add value to individual customers, work to offer sustainable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">products and avoid publishing information that amounts to greenwashing or ethics washing. We also aim to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">provide access to our services for all clients, including those with, for example, low levels of digital literacy or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a disability. Finally, we aim to meet the needs of customers at risk of vulnerability or marginalisation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 229.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial health and inclusion<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 252.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financially healthy people and businesses can contribute to a healthy economy and help drive social <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 264.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">progress. At the same time, money is a leading cause of stress for people, with half of European households <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">struggling to make ends meet. According to the group European Pensions, one third are unable to face <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">unexpected financial expenses and close to 40 percent are not saving for retirement.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING aims to empower people and businesses towards improved financial health, a state in which an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">individual, household, micro, small or medium-sized enterprise can manage their current financial needs <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and have confidence in their financial future. This includes managing day-to-day finances to meet short-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">term needs, the capacity to absorb financial shocks (resilience), the capacity to reach future goals, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">feeling secure and in control of finances (confidence).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We&#8217;re working with the United Nations Environment Programme Finance Initiative under the Principles for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 402.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Responsible Banking to contribute to setting a measurement standard for financial health impact for our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">industry. As a founding signatory of the Commitment to Financial Health and Inclusion in December 2021, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">we&#8217;ve committed to setting ambitious targets supported by measures around products and services, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">processes, data analytics and/or partnerships, with the aim of promoting financial inclusion, and fostering a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">banking sector that supports financial health. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Advancing customers' financial health and inclusion<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING aims to contribute to a positive, measurable impact on our customers&#8217; financial health with a focus on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">those with whom we can have the biggest impact. We do this by focusing on a few specific impact areas. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For each area, best practices are shared between business units with the goal of learning from each other. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 134.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial inclusion, the first area, is about accessibility. ING wants to be an accessible bank for everyone, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 146.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">including people living with disabilities, whether that means sight, hearing, physical disabilities or cognitive/<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 158.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">learning disabilities. We have taken various steps, such as installing voice-activated ATMs in certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 170.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">countries that make it easier for people with a visual impairment to withdraw money and also issuing bank <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 182.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cards with a notch on top so they can insert them correctly. These cards are also useful for customers with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 194.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">limited hand functionality. In Australia, customers with speech or hearing difficulties can do their phone <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 206.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">banking via the national relay service and there&#8217;s a sign-language service in some of our bank branches in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Poland. Also, in the Netherlands, customers with a visual impairment can use screen readers (software <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 230.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">applications that read out information displayed on a screen) in compatibility with ING.nl and the banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 242.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">app, Mijn ING.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 269.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">It is also about making sure everyone can easily understand our terms and conditions, that the information <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 281.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on our websites is readily accessible and that customers can use our online banking channels and mobile <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 293.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">apps, irrespective of their situation. We started a programme in 2022 to align digital channels in all our EU <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 305.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking countries with the EU&#8217;s Web Content Accessibility Guidelines standard (WCAG 2.1). In the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 317.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands, the Mijn ING app is accessible with a voice-over to transfer money or to get current account <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 329.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">insights. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 356.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The second area is focused on building financial resilience. Everyday Round Up, for example, encourages <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 368.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customers in Poland, Australia, T&#252;rkiye, Germany, Spain and Romania to build savings. ING in Spain&#8217;s Money <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 380.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Up! money-management tool aims to help build healthy savings habits and optimise expenses. In the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 392.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands and Belgium, forecasting tools like Kijk Vooruit help customers plan and control their expenses. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For businesses, we launched a similar self-evaluation tool for our Romanian customers in 2023, with a focus <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on financial indicators using the customer's own data, and a bank diagnosis feature that identifies potential <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 443.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial-health vulnerability. Also in Poland, we introduced a financial-health platform for entrepreneurs, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 455.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">called Firmove. This provides guidance to entrepreneurs in improving their financial well-being through their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 467.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business operations. Additionally, it offers valuable advice and assistance to foster business growth and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 479.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">enhance sustainability. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Another focus area is that of financial education. Financial illiteracy is one of the biggest threats to financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">health, which we aim to address especially for our young customers. In Belgium, we do this via a financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 530.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">check-up session offered to young clients. In countries such as Germany, Italy and Spain, we use <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 542.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">communication and education programmes to help them develop healthy savings and spending habits. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">55<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Lastly, we see an important role of collaboration with external parties to support the energy transition of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">households. In an effort to have an inclusive transition, we are making steps to collaborate with parties such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as banks, governments and others to provide financing means and access to energy education. Here we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">aim to focus our efforts on customers who could be struggling with financial health or with energy poverty. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In the Netherlands, ING is a participant of a collaboration between banks, the national heat fund, local <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">municipalities and energy coaches to help homeowners tackle energy poverty.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 153.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Supporting financial health in the community <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our approach to community investment adapts to changing needs. Through a combination of global and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">local funding, we support programmes that contribute to inclusive economies in which everyone can <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 11pt; position: var(--position); top: 196.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">participate. In 2023, ING, together with colleagues and clients, donated &#8364;18.7 million<span style="display: inline-block; height: 8pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 11pt; font-style: normal; font-weight: normal; left: 416.64pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 8pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 419.69000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">to a range of social <span style="display: inline-block; height: 8pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 209.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">programmes, &#8364;9.7 million of which was specifically focused on building financial health in communities, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 221.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">covering the areas of future-proof employment, financial capabilities and social enterprises.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 248.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We also donated to the humanitarian appeal to help communities affected by two devastating earthquakes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 260.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in southern T&#252;rkiye and northern Syria, in February 2023. Together with colleagues and clients, we donated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 272.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">more than &#8364;7.6 million to UNICEF's emergency response and other humanitarian and development <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 284.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">organisations.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 311.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Ukraine has been another target of our community investment. An example is our support for the NGO 'For <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 323.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the good people', focused on financial health and financial capabilities with the specific aim to support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 335.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">people who have lost their jobs due to mental health disorders. ING also supports 'Convictus Ukraine' and its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 347.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">WINGs programme that helps improve the economic security of rural, vulnerable and marginalised women, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 359.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">especially those affected by the war.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 386.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s Global Community Investment Fund provided funding to 20 financial-health projects from 13 countries <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 398.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to help them amplify the impact created at country level.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 425.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The ING Netherlands Foundation works with 11 local partners for equal job opportunities. One example is the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 437.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">collaboration with VHTO, a programme supporting gender diversity in the technology sector. VHTO has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 449.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reached more than 11,000 primary and secondary education students with different activities in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 461.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">classroom, removing the obstacles that can prevent girls choosing to study IT and eventually selecting it as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 473.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a profession. The ING Netherlands Foundation also invests in Young Digitals, an organisation that teaches <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 485.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">young people with fewer opportunities the skills they need to become digital marketers.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 512.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As examples of supporting employment, in Germany we partnered with MentorMe, a mentoring <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 524.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">programme that supports vulnerable women in the job market. In Italy, we partner with &#8216;Fondazione Mondo <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 536.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Digitale&#8217; (Digital World Foundation) to train around 8,000 people per year, especially women, small <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 548.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">entrepreneurs and young people not in education, with digital skills to better face the challenges of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">labour market. In Belgium, we work with the King Baudouin Foundation managing four funds supporting (i) a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">more circular/inclusive economy, (ii) a more digitally inclusive economy, (iii) financial literacy and (iv) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sustainable buildings.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">During 2023, ING also initiated projects that assist with financial capabilities In Spain, for example, we invest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in the FARO Project, a public-private partnership between Madrid City Council, ING, and the Nantik Lum <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Foundation. The programme trains the social workers in financial education, so they can help and talk to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">users of the city&#8217;s social services about financial capabilities, including family finance, savings and avoiding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">debt. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We also promote financial health in the community by supporting social enterprise. For example, in&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Bulgaria, we collaborated with the Reach for Change foundation in the development of the GROW incubator, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">part of the Open the Circle initiative, which provides tailored support for social enterprises that build skills <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and job readiness among young people from disadvantaged backgrounds. In Germany, together with Social <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Impact GmbH, we match innovative social start-ups with established charities, to exchange knowledge, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expertise and experience. We also provided funding to other social enterprise projects in the Czech Republic, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">France, Poland, Romania, Singapore, Ukraine and the United States.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 292.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Human rights<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We believe every person, everywhere, has the right to be treated with dignity and have their interests <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">considered equally. ING and our clients have the potential to impact human rights through our operations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and business relationships. Our impact is in the different roles we have: as an employer, a procurer of goods <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and services and a provider of financial services to corporate and individual customers. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 378.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We work to influence and support business partners to respect human rights in multiple ways. Our ESR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">framework includes an overarching policy on human rights to guide us when assessing clients and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 402.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transactions we finance. We also act on a variety of environmental, climate and social topics, as well as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">highlighting their interconnectivity. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 441.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In the beginning of 2024, we published our 2023 Human Rights Report where we assessed and identified our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">most severe potential human rights issues for our workforce, our Wholesale Banking and procurement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">activities. For our workforce we identified discrimination, harassment and work-related stress as key issues. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 477.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In our Wholesale Banking activities, the identified issues are child labour, forced labour, communities&#8217; land <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 489.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and resource issues. Regarding our procurement activities, we identified forced labour and occupational <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 501.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">health and safety. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Through our financing activities we have the potential to contribute to or be linked to negative human-rights <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">impacts and issues, such as child labour and forced labour in relation to workers in the value chain, and land <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 552.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and resource-related community impacts in relation to local communities. Negative land and resource-<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">56<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">related community impacts may, for example, occur due to land acquisition and use of scarce or shared <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">resources by clients we finance.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To mitigate these potential human-rights impacts, we have an Environmental and Social Risk (ESR) Policy <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Framework, which includes an overarching human-rights policy that applies to all sectors we finance. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">addition, we have human-rights elements in dedicated sector policies. We also mitigate potential negative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">human rights impacts in line with the UN Guiding Principles on Business and Human Rights (UNGP), as well <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as the OECD Guidelines for Multinational Enterprises on Responsible Business Conduct. We do this by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">understanding regional and portfolio risks, engaging with clients, using financial leverage when needed, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">being cognisant of human-rights impacts when engaging with stakeholders.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We engage with different stakeholders (internally and externally) to identify common solutions to address <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">human-rights issues. We consulted with human-rights consultants and civil-society organisations in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">drawing up our ESR policy review. We have been working on an integrated approach to stakeholder <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">engagement at ING and invited clients to discuss challenges and issues that have been brought to our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">attention. We find it beneficial to have ongoing dialogue about our role in society, our products and services, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">our business performance and other issues. We also engage with other key stakeholder groups, including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">communities affected by projects in which we invest, government, regulators and national associations, as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">well as pressure groups and NGOs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The transition out of fossil fuels and into a green economy may impact people, for example, potentially <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">resulting in stranded assets and consequently affecting surrounding communities. It could also increase <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">energy poverty for vulnerable people reliant on fossil fuels. We recognise that as the world transitions from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a carbon-intensive economy into a green economy, we must collectively acknowledge the needs of people, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">especially the most vulnerable.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Through platforms that set standards on this topic, ING aims to be transparent about our progress in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 400.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hope that others will join us and strive to be a step ahead of broader expectations. Read more in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 412.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Environmental, social and governance risk&#8217; in &#8216;Risk management&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Governance<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 127.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Good governance is an essential foundation for an effective ESG <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 145.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">strategy. We are guided by our Orange Code, which sets our values and <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 163.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">behaviours and ensures we work with integrity, transparency and high <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 181.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">standards of business ethics. Strong management in our corporate <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 199.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">leadership and board composition is also key to effective governance, <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 217.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ensuring the overall success of our ESG approach. <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 255.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Business ethics and integrity<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our culture, including our risk culture, informs the behaviours we share across the organisation, helping us <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 294.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to make responsible decisions &#8211; for ourselves and for our customers &#8211; now and in the future. We aim to act <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 306.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with integrity, whether in encouraging employees to speak up and report concerns, guarding against <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 318.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">corruption and financial crime, or managing our taxation responsibly and transparently.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 348.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Orange Code and global Code of Conduct<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 371.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our culture starts with the Orange Code, which is a declaration of who we are. It describes what we can <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 383.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expect from each other when we turn up to work each day. It is a set of standards that we collectively value, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">strive to live up to, and invite others to measure us by. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 422.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Orange Code is the sum of two parts, the ING values and ING behaviours, with &#8216;Integrity above all&#8217; being <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 434.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the overarching principle. The ING values (being honest, prudent and responsible) are non-negotiable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 446.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">promises we make to the world, principles we seek to stick to, no matter what. The ING behaviours (take it <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 458.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on and make it happen, help others to be successful, and always be a step ahead) represent our way to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">differentiate ourselves. The Orange Code is embedded in commitments we make to each other and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 482.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">standards by which we measure each other&#8217;s performance.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 509.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The ING Global Code of Conduct outlines the 10 core principles for conduct we expect from employees. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 521.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">These principles build on the values and behaviours of our Orange Code and are based on ING policies, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 533.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">minimum standards and guidelines we need to adhere to in our daily business. Having a global Code of <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">57<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Conduct creates consistency in the way we do things and contributes to keeping ING safe, secure and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">compliant. Ultimately it helps to safeguard our customers, society and our role in the financial system. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 106.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk culture<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 129.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">At ING, we attach great importance to a sound risk culture, which is essential for performing our role in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">society responsibly and in keeping the bank safe and secure. We determine our risk culture as the way in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 153.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which employees identify, understand, discuss and act on the many financial and non-financial risks we are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 165.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">confronted with every day.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 192.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Orange Code and the global Code of Conduct are the foundation of ING&#8217;s risk culture. The global Code of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 204.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Conduct defines the most essential conduct principles expected from ING employees in their daily activities, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 216.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to create additional risk awareness and better meet expectations stated in external rules and guidelines. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 228.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">When ING employees onboard, they are required to take an e-learning and sign-off on their adherence to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 240.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the global Code of Conduct. Also, every year, all ING employees receive an updated (micro-)e-learning on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 252.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(parts of) the global Code of Conduct. As of 2021, the global Code of Conduct is also embedded into our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 264.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">employees&#8217; performance management cycle with the aim to ensure continuous attention to the global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Code of Conduct, and encourage the dialogue on how to apply it in our daily work practice.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The effectiveness of and compliance with the ING Global Code of Conduct is measured via annual employee <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">acknowledgements and whistleblower data. Reporters can raise (suspicions of) breaches of the ING Global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Code of Conduct to the ING whistleblower channels. All 10 principles and their underlying topics (such as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">market abuse, conflict of interest, etc.) of the ING Global Code of Conduct are considered in scope of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Whistleblower Policy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 380.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Orange Code decision-making</span><span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Balancing the rights and interests of all our stakeholders is one of the key Orange Code principles. To further </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">enhance risk judgement, we continued to apply the Orange Code decision-making model to dilemmas. This </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">four-step model supports well-balanced decision-making. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g2.jpg" alt="Orangecode.jpg" style="height: 136.02pt; width: 453.54pt;"/></div></div></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 220.93pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Following the incorporation of the four-step model in the global product approval and review process (PARP) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.93pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">policy, the Orange Code decision-making model was incorporated in Model Validation guidance. Risk culture <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.93pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and behavioural risk is continuing to train experts in this area to support the organisation in properly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.93pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">applying the model in practice.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 285.93pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Behavioural risk</span><span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 304.33pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Behavioural risk is an increasingly important risk area for ING and across the financial industry. It arises </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.33pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">when behavioural patterns are at the root of financial and non-financial risks in the organisation.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.33pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">The complexity of this type of risk is that it is less tangible compared to other risk areas because it focuses </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.33pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">on behavioural patterns and their drivers. There are patterns in how decisions are made, how people </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.33pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">communicate, and whether they can take ownership. Behaviour is driven by formal and informal </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.33pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">mechanisms. Examples of formal drivers are the processes ING applies and how its governance is structured. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.33pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Informal drivers are less tangible, such as group dynamics or underlying beliefs that influence behaviour.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 420.33pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Behavioural risk assessments</span><span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.73pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Behavioural risk assessments identify and analyse undesired behaviours within ING and provide </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.73pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">management with specific direction on how to change these behaviours. They focus on the effectiveness of </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.73pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">groups rather than individuals, the role of leadership, and on less visible aspects such as team dynamics and </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.73pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">unwritten social norms. The goal is to understand and systematically assess what drives undesired habits at </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.73pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">ING. The behavioural risk management framework is used as a guide across ING to identify behavioural risks </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 498.73pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">in the organisation which require deeper investigation.</span><span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 798.55pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 8.73pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">58<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Behavioural risk interventions</span><span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Based on the results of the executed behavioural risk assessments, interventions are taken to mitigate the </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">behavioural risks in a focused manner. Effective mitigation requires a deep understanding of what drives </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">undesired behaviours. Behavioural and organisational science theories and evidence-based techniques and </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">tools play an important role in designing and facilitating interventions.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 146.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">In 2023, interventions were focused on KYC. New interventions have been designed and developed in close </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 158.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">cooperation with HR and Compliance to improve speak-up and escalation behaviour across the organisation. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 188.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Whistleblower<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Everyone at ING is expected to always act with integrity and uphold the values and behaviours of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Orange Code. We won&#8217;t ignore, tolerate, or excuse behaviour that breaches our values or people&#8217;s trust in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING. There are many ways for employees to speak up if they have a concern. Reporting is always <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">confidential and, if preferred, also anonymous. It is our policy to follow up on reports, with an emphasis on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">protecting whistleblowers&#8217; identity.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We aim to protect those who report concerns, which is why we regularly look for ways to enhance and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">standardise the whistleblower process. This includes safeguarding identities and trying to proactively <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">prevent retaliation. Across the organisation we&#8217;re aligning channels, like our &#8216;speak up&#8217; channels for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">undesirable behaviour, which we&#8217;ve brought together in our global Speak Up programme. Anyone who <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reports a concern can now choose the appropriate channel, so the reporter journey becomes more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consistent with the same level of protection. Collecting insights across certain channels has allowed us to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">better manage anonymous concerns and track whether those that were found to be substantiated were <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">followed up. We continue to share sanitised reports with the organisation to encourage employees to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">speak up.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 414.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial economic crime<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 441.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">By fulfilling the role of gatekeeper to the financial system, ING plays a role in the collective fight against <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial crime while ensuring that ING remains safe, sound, and compliant &#8211; in accordance with applicable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulations such as the Dutch Financial Supervision Act (Wft) and the Dutch Anti-Money Laundering and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 477.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Anti-Terrorist Financing Act (Wwft), and with expectations of society at large.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 507.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Bribery and corruption<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 530.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Bribery and corruption undermine business confidence and corporate integrity, hinder fair business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 542.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">competition, and harm international trade. ING takes these risks seriously. Bribery and corruption risks are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 554.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">part of our non-financial risk framework, and are in the design of our client and third-party due diligence, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and monitoring measures in our financial crime risk-management framework. We have continued to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">strengthen our ability to respond to bribery and corruption risks in key areas, as part of our multi-year <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">maturity programme. This supports our zero-tolerance approach to bribery and corruption, and meeting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">governance elements of our sustainability objectives. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">All ING employees and third parties acting for and on behalf of ING at every level of the organisation are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expected to always do business in accordance with the values and behaviours of ING&#8217;s Orange Code. ING has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a zero-tolerance approach to bribery and corruption in all of its relationships and business dealings. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">forms part of its commitment to conduct business in an honest, prudent, and responsible manner. ING does <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">not, and will not, accept and pay bribes or offer improper inducements or anything that could be perceived <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as such. ING expects the same from its customers, business partners, and third parties that perform services <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">or deliver business on its behalf. In support of its anti-corruption and bribery policies and procedures, ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">has a sound governance structure in place.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Failure to detect signals of money laundering related to human trafficking and modern slavery may result in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the lives of customers and/or other people being substantially harmed. For instance, if a customer is a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">human trafficker and their activities remain undetected, the safety, security, and dignity of their victims are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">at risk. If a customer is a victim of human trafficking, failure to detect signals of money laundering related to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">socioeconomic fraud and human trafficking may stand in the way of saving that customer from a harmful <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">practice. On an annual basis, ING conducts a Systemic Integrity Risk Analysis (SIRA) for all its entities. SIRA is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the baseline risk assessment for bribery and corruption. In 2023 the outcome of the assessment was that no <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">location was perceived as having residual risks of concern.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Know Your Customer <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Know Your Customer and financial crime compliance continue to play a major role in making sure we only <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">engage and do business with people and entities that meet regulatory requirements. Knowing who we do <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business with is vital to keeping ING safe, secure and compliant. As part of our ongoing anti-money <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">laundering efforts, we continuously assess relationships with customers, and monitor and screen <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transactions. It is our policy to review potentially unusual transactions and suspicious transactions and, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">where applicable, report these to the relevant authorities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Given that we operate in many countries, and our position in the Dutch financial sector and broader society, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING is considered an important stakeholder in the financial sector in realising this priority, together with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">other gatekeepers in the financial system. These include the Dutch Banking Association, the Dutch Central <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Bank and other public partners, such as the Tax and Customs Administration, Financial Intelligence Unit, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Fiscal Intelligence and Investigation Service (FIOD) and the Public Prosecutor&#8217;s Office.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 537.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING is focused on continuing to embed applicable requirements in our processes and procedures, including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 549.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in our IT systems and data sources, in a robust and sustainable way, and driving a business environment <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">59<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that is compliant by desire and design. The bank also executes ongoing training and awareness to develop <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">its people to have the right knowledge and skills.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 108.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Transparency <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As we strive to be a banking leader in building a sustainable future, we communicate transparently on our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">actions, we share our successes, but also our challenges. We&#8217;re clear and open, sharing our progress <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">towards our ESG targets. We also recognise how important it is to continuously interact with all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">stakeholders, cultivating relationships that drive positive change.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 202.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 224.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our tax policies and performance are key elements under the governance pillar of our ESG framework. We <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 236.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are mindful that every aspect of our business, including our approach to tax, has an impact on society. We <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 248.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">have therefore chosen to formalise our approach to clarify our views on responsible tax behaviour and tax <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 260.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">governance. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 287.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our tax principles, which are applicable worldwide, mirror ING&#8217;s values of integrity, honesty, prudence and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 299.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">responsibility. These values are the main drivers for our relationship with tax authorities and for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 311.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adoption of tax transparency as standard practice.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Tax principles and governance<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 359.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Wherever we operate, we seek to establish and maintain an open and constructive dialogue with local tax <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 371.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">authorities and other government bodies, based on the disclosure of all relevant facts and circumstances. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 383.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">this dialogue we seek to provide clarity and establish certainty on all relevant local tax components in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 395.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">advance. We are transparent about our approach to tax and our tax position. In formulating this approach, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 407.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">we have taken account of the interests of our stakeholders, including (tax) authorities, non-governmental <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 419.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">organisations, customers, shareholders and society in general.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 446.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Disclosures are made in accordance with relevant domestic regulations, as well as applicable reporting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 458.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirements and standards such as the International Financial Reporting Standards. The ING annual report <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 470.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">contains a country-by-country overview of the result (before tax) and the total corporate income tax charge <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 482.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">paid and accrued per tax jurisdiction. ING also submits, annually, a similar type of overview to tax authorities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 494.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which enhances their insight into our tax position. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 521.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING joined the Dutch Tax Governance Code developed by the Confederation of Netherlands Industry and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 533.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Employers (known as VNO-NCW). ING embraces the principles of the code and will work consciously to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 545.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">comply with the targets set, as laid out in our Tax Governance Code booklet. This is available on ing.com in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the Compliance section under About Us. The financial information in the Tax Governance Code is recorded <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">under notes to the consolidated financial statements in this annual report (see Note 31, Information on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">geographical areas and Note 34, Taxation).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Tax policies, procedures and a tax control framework have been implemented to support management in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mitigating potential tax risks in a prudent manner. Internal monitoring, control and reporting of tax-related <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risks takes place on a continuous basis with annual reporting to the Management Board and Supervisory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Board and various other stakeholders. For SOx 404 purposes (section 404 of the Sarbanes-Oxley Act), an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;effectiveness of internal control statement&#8217; with respect to tax controls has been provided. Tax risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management is subject to Corporate Audit testing and evaluation. As part of the tax risk assessment, if <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">applicable, the potential use of (tax) incentives and/or subsidies is considered acceptable to the extent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">explicitly intended by the authorities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In all countries in which ING is present, it is ING&#8217;s position to be cooperatively tax compliant. This implies <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">being transparent about, and disclosing, relevant tax risks towards tax authorities. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We also believe in the principle that tax should follow business, so profits are allocated to the countries <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">where business value is created. It is our policy to comply with domestic and international laws and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulations, taking account of both the letter and the spirit of the law, as well as standards such as the OECD <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">guidelines for multinational enterprises, and we apply the arm&#8217;s length principle. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 330.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Tax position of clients<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As a global bank, we play a crucial role in fighting financial crime and protecting the financial system from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">harmful behaviour. This includes criminal activities such as tax evasion, but also aggressive tax avoidance, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which although not illegal can be damaging to the communities in which we operate. We aim not to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">facilitate such activities. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Tax risks not only refer to ING&#8217;s own tax position, but also our role as gatekeeper for the financial system as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">well as risks in relation to our customers. In this respect, we have integrated a tax-integrity assessment in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our overall customer risk assessment process.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #ff0090; font-family: Arial; font-size: 8pt; font-style: normal; font-weight: normal; left: 759.85pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 463.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">It is our policy not to advise clients on taxation matters. Clients remain responsible for their own tax position. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">60<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_37"></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Regulation and Supervision<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: Calibri; font-size: 16pt; font-style: normal; font-weight: normal; left: 240.19pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The banking and broker-dealer businesses of ING are subject to detailed and comprehensive supervision in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 111.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">all of the jurisdictions in which ING conducts business. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 138.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Regulatory agencies and supervisors have broad administrative power and enforcement capabilities over <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 150.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">many aspects of our business, which <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 206.7pt; position: var(--position); text-decoration: none; white-space: pre;">may<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 227.31pt; position: var(--position); text-decoration: none; white-space: pre;"> include liquidity, capital adequacy, permitted investments, ethical <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 162.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">issues, money laundering, anti-terrorism measures, privacy, recordkeeping, product and sale suitability, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 174.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">marketing and sales practices, ESG, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 200.26pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 262.22pt; position: var(--position); text-decoration: none; white-space: pre;"> policies, personal conduct and our own internal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 186.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">governance practices. Also, regulators and other supervisory authorities in the EU, the US and elsewhere <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 198.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">continue to scrutinise payment processing and other transactions and activities of the financial services <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 210.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">industry through laws and regulations governing such matters as money laundering, anti-terrorism <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 222.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financing, tax evasion, prohibited transactions with countries or persons subject to sanctions, and bribery or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 234.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">other anti-corruption measures. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 261.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As discussed under &#8220;Item 3. Key Information &#8212; Risk Factors&#8221;, as a large multinational financial institution we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 273.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are subject to reputational and other risks in connection with regulatory and compliance matters involving <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 285.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">these countries.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 314.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">European Regulatory framework<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 328.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Single Supervisory Mechanism (&#8220;SSM&#8221;) is the first pillar of the Banking Union and has been operational <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">since 4 November 2014. The SSM is composed of the European Central Bank (&#8220;ECB&#8221;) and the national <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">competent authorities of the participating EU member states. The main aims of European banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">supervision are to ensure the safety and soundness of the European banking system, increase financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">integration and stability and ensure consistent supervision. Under the SSM, the ECB is ING Group&#8217;s and ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 390.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Bank&#8217;s principal prudential supervisor. The ECB is amongst others responsible for tasks such as market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 402.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">access, compliance with capital and liquidity requirements and governance arrangements. National <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">competent authorities, including the Dutch Central Bank (De Nederlandsche Bank or &#8220;DNB&#8221;) for ING Group <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and ING Bank, remain responsible for supervision of tasks that have not been transferred to the ECB such as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 438.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial crime and payment supervision. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 465.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The SSM is complemented by the second pillar of the Banking Union, the Single Resolution Mechanism <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 477.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(&#8220;SRM&#8221;), which comprises the Single Resolution Board (&#8220;SRB&#8221;) and the national resolution authorities. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 489.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">SRM is fully responsible for the resolution of banks within the Eurozone since 1 January 2016. The rules <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 501.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">underpinning the SRM could have a significant impact on business models and capital structure of financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 513.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">groups in order to become resolvable.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 540.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As the third pillar of the Banking Union, the EU wants to further harmonise the regulation for Deposit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 552.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Guarantee Schemes (DGS). One of the key elements is the creation of ex-ante funded DGS funds, financed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">by risk-weighted contributions from banks. Since 2015, the EU has been discussing a pan-European (or pan-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">banking union) DGS (the European Deposit Insurance Scheme (EDIS)), which would (partly) replace or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">complement national compensation schemes, but there is no EDIS yet as political negotiations have stalled.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">On 18 April 2023, the European Commission published the proposals for the revision of the common <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">framework for bank crisis management and deposit insurance (CMDI) that focuses on small and medium-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">size banks, but will affect all EU banks. The CMDI framework consists <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 860.5699999999999pt; position: var(--position); text-decoration: none; white-space: pre;">of the <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 889.38pt; position: var(--position); text-decoration: none; white-space: pre;">Bank Recovery and Resolution <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Directive (BRRD), the Single Resolution Mechanism (SRMR) and the Deposit Guarantee Schemes Directive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(DGSD). Proposals on revision of the CMDI are now subject to political negotiations (with some exceptions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">concerning e.g. changes to so called "daisy-chain" deductions framework that were already agreed politicly, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 172.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and might affect how ING's subsidiaries calculate their internal MREL ratios once proposals are published). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 184.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The revision of the CMDI framework is part of the debate on the completion of the Banking Union and in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 196.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">particular its third and missing pillar EDIS.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 225.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Dutch Regulatory Framework<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 240.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Dutch regulatory system for financial supervision consists of prudential supervision &#8211; monitoring the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 254.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">soundness of financial institutions and the financial sector, and conduct-of-business supervision &#8211; regulating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 266.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">institutions&#8217; conduct in the financial markets. As far as prudential supervision has not been transferred to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 278.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the ECB, it is exercised by the Dutch Central Bank (De Nederlandsche Bank or &#8220;DNB&#8221;), while conduct-of-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 290.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business supervision is performed by the Dutch Authority for the Financial Markets (Autoriteit Financi&#235;le <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 302.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Markten or &#8220;AFM&#8221;).&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 331.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Global Regulatory Environment<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">There is a variety of proposals for laws and regulations that could impact ING globally, in particular those <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 360.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">made by the Financial Stability Board and the Basel Committee on Banking Supervision at the transnational <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 372.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">level and an expanding series of supranational directives and national legislation in the European Union (see <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 384.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8220;Item 3. Key Information &#8212; Risk Factors &#8212; We operate in highly regulated industries. Changes in laws and/<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 396.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">or regulations governing financial services or financial institutions or the application of such laws and/or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 408.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulations governing our business may reduce our profitability). The aggregated impact and possible <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 420.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">interaction of all of these proposals are hard to determine, and it may be difficult to reconcile them where <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 432.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">they are not aligned. The financial industry has also taken initiatives by means of guidelines and self-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 444.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory initiatives. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 473.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Dodd-Frank Act and other US <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 718.21pt; position: var(--position); text-decoration: none; white-space: pre;">Regulations<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank has a limited direct presence in the United States through the ING Bank Representative Offices in <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 502.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">New York, Dallas (Texas), Houston (Texas), and Los Angeles (California). Although the offices&#8217; activities are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 514.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">strictly limited to essentially that of a marketing agent of bank products and services and a facilitator (i.e. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 526.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the offices may not take deposits or execute any transactions), the offices are subject to the regulation of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 538.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the State of New York Department of Financial Services, the State of Texas Department of Banking, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 550.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">California Department of Financial Protection and Innovation, as well as the Federal Reserve. ING Bank also <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">61<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">has a subsidiary in the United States, ING Financial Holdings Corporation, which through several operating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">subsidiaries offers various financial products, including lending, and financial markets products. These <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">entities do not accept deposits in the United States on their own behalf or on behalf of ING Bank N.V. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The ING subsidiary, ING<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 143.51pt; position: var(--position); text-decoration: none; white-space: pre;"> Capital Markets LLC,<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 235.29pt; position: var(--position); text-decoration: none; white-space: pre;"> is registered as a swap dealer and subject to a statutory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory regime and CFTC rules and oversight. As a registered entity, it is subject to, among others, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business conduct, record-keeping and reporting requirements, as well as margin requirements and capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirements. In that regard, because ING Capital Markets LLC is not subject to regulation by a prudential <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulator, it is required to comply with the CFTC&#8217;s capital requirements. In addition to the obligations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">imposed on registrants (such as swap dealers), other requirements relating to reporting, clearing, and on-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">facility trading have been imposed for much of the off-exchange derivatives market and new risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management requirements have been proposed focused on business continuity, cybersecurity, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">operation resilience generally. It is possible that some of these compliance requirements, especially the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">capital requirements, will increase the costs of and restrict participation in the derivative markets. This could <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">have the effect of restricting trading activity, reducing trading opportunities and market liquidity, potentially <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increasing the cost of hedging transactions and the volatility of the relevant markets. This could adversely <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 259.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">affect the business of ING in these markets. The proposed new risk management requirements could impose <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 271.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">significant compliance costs to the extent inconsistent with the existing group-wide framework.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Capital Markets LLC is also registered as a security-based swap dealer and is subject to a statutory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory regime and SEC rules and oversight.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 249.65pt; position: var(--position); text-decoration: none; white-space: pre;"> The SEC has adopted regulations, among others, establishing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">registration, reporting, risk management, business conduct, and margin and capital requirements for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">security-based swaps. While ING Capital Markets LLC, as a security-based swap dealer, is required to comply <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with SEC rules with respect to most of these requirements, SEC rules have permitted an &#8220;Alternative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 358.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Compliance Mechanism&#8221; that allows for compliance, subject to eligibility requirements, with CFTC capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 370.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and margin rules applying to swap dealers in lieu of SEC capital and margin rules applying to security-based <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 382.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">swap dealers. ING Capital Markets LLC has elected to use the Alternative Compliance Mechanism. However, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 394.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">should ING Capital Markets LLC in the future be ineligible for the &#8220;Alternative Compliance Mechanism&#8221;, it <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 406.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">would be subject to SEC security-based swap dealer rules for margin, capital, and related financial reporting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 418.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">instead of the CFTC swap dealer rules applied to security-based swaps with respect to margin, capital, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 430.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">related financial reporting. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 457.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On 15 December 2021, the SEC proposed new rules that would for the first time impose public reporting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 469.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirements for some significant security-based swaps positions. The rules would apply even to trades <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 481.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">between non-U.S. counterparties, including ING Bank, provided that the issuer of the reference securities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 493.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">underlying the security-based swaps is organized in the U.S., the issuer of the reference securities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 505.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">underlying the security-based swaps has its principal place of business in the U.S., or the securities are in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">certain categories registered with the SEC. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 230.96pt; position: var(--position); text-decoration: none; white-space: pre;">These proposed regulations, if adopted in their current form, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">could constrain trading activity in security-based swaps<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 288.86pt; position: var(--position); text-decoration: none; white-space: pre;">. In addition, there are, or may be in the future, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 541.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory requirements or limitations related to other categories of equity derivatives, such as options or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 553.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">forwards, that could similarly constrain trading activity in such instruments as well.&#160; These various <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requirements and limitations with respect to equity derivatives generally could have a significant impact on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the liquidity and utility of these markets, materially impacting ING&#8217;s business in this market.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, position limits requirements have been imposed by the CFTC for uncleared swaps referencing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">any of twenty-five commodity futures contracts on physical commodities.&#160; In addition, on 1 January 2023, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">these position limits were extended to certain positions in swaps that are &#8220;economically equivalent&#8221; to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">enumerated futures contracts.&#160; The position limits on futures and related swaps could limit ING&#8217;s position <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sizes in these swaps referencing specified physical commodities and similarly limit the ability of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">counterparties to utilize certain of our products to the extent hedging exemptions from the position limits <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">are unavailable. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Dodd-Frank Act also created a new agency, the Financial Stability Oversight Council (FSOC), an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">interagency body that is responsible for monitoring the activities of the U.S. financial system, designating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">systemically significant financial services firms and recommending a framework for substantially increased <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulation of such firms, including systemically important non-bank financial companies that could consist <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of securities firms, insurance companies and other providers of financial services, including non-U.S. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">companies. ING has not been designated a systemically significant non-bank financial company by FSOC <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and FSOC initiating such a designation currently is deemed unlikely. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Dodd-Frank continues to impose significant requirements on us, some of which may have a material impact <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on our operations and results, as discussed further under &#8220;Item 3. Key Information &#8212; Risk Factors&#8212;We <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">operate in highly regulated industries. Changes in laws and/or regulations governing financial services or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial institutions or the application of such laws and/or regulations governing our business may reduce <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our profitability&#8221;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 378.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Basel III and European Union Standards as currently applied by ING Bank<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 393.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In all jurisdictions where the bank operates through a separate legal entity that is a credit institution, ING <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 407.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">must meet the local implementation of Basel requirements as well. ING uses the Advanced IRB Approach for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 419.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">credit risk, the Internal Model Approach for its trading book exposures and the Advanced Measurement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 431.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Approach for operational risk. A small number of portfolios including certain sovereign exposures are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 443.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reported under the Standardized <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 703.89pt; position: var(--position); text-decoration: none; white-space: pre;">Approach for credit risk.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 470.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In December 2010, the Basel Committee on Banking Supervision announced higher global minimum capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 482.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">standards for banks, and introduced a new global liquidity standard and a new leverage ratio (LR). The Basel <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 494.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Committee's package of reforms, collectively referred to as the &#8220;Basel III&#8221; rules, among other requirements, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 506.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">increased the amount of common equity required to be held by subject banking institutions, prescribed the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 518.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">amount of liquid assets and the long term funding a subject banking institution must hold at any given <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 530.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">moment, and limited leverage. Banks are required to hold a &#8220;capital conservation buffer&#8221; to withstand future <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 542.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">periods of stress. Basel III also introduced a &#8220;countercyclical buffer&#8221; as an extension of the capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 554.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">conservation buffer, which permits national regulators to require banks to hold more capital during periods <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">62<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of high credit growth (to strengthen capital reserves and moderate the debt markets)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 422.15999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">. Further, Basel III&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">strengthened the definition of capital that had the effect of disqualifying many hybrid securities. during the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">years 2013-2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 116.12pt; position: var(--position); text-decoration: none; white-space: pre;">, as well as increased capital requirements associated with certain business conditions (for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">example, for credit value adjustments (CVAs) and illiquid collateral) as part of a number of reforms to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Basel II framework. In addition, the Basel Committee and Financial Stability Board (&#8220;FSB&#8221;) published <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">measures that have had the effect of requiring higher loss absorbency capacity, liquidity surcharges, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exposure limits and special resolution regimes for, and instituting more intensive and effective supervision <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of, &#8220;systemically important financial institutions&#8221; (SIFIs), in addition to the Basel III requirements otherwise <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">applicable to most financial institutions. One such measure, published by the FSB in November 2015, is the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 172.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Final Total-Loss Absorbing Capacity (TLAC) standard for G-SIFIs, which aims for G-SIFIs to have sufficient loss-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 184.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">absorbing and recapitalisation capacity available in resolution. ING has been designated by the Basel <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 196.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Committee and FSB as a so-called &#8220;Global Systemically Important Bank&#8221; (G-SIB), since 2011, and by DNB and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 208.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Dutch Ministry of Finance as a &#8220;other SII&#8221; (O-SII) since 2011. Since December 2020 DNB has required ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 220.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Group to hold a 2.5% O-SII Buffer in addition to the capital conservation buffer and the countercyclical buffer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 232.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">described above. In May 2023 DNB announced that O-SII Buffer for ING will be lowered to 2.0% from 31 May <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 244.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2024.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 273.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">CRR /CRD IV<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 288.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For European banks the Basel III requirements have been implemented through the Capital Requirement <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 302.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Regulation (CRR) and the Capital Requirement Directive (CRD IV). The CRD IV regime entered into effect in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 314.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">August 2014 in the Netherlands, but not all requirements were implemented all at once. Having started in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 326.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2014, the requirements have been gradually tightened, mostly before 2019, until the Basel III migration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 338.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">process was completed.&#160; &#160; &#160;  <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 365.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">CRD IV has not only resulted in new quantitative requirements but has also led to the setting of new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 377.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">standards and evolving regulatory and supervisory expectations in the area of governance, including with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 389.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regard to topics like conduct and culture, strategy and business models, outsourcing and reporting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 401.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">accuracy.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 430.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">CRRII / CRD V and BRRDII<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 445.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On 27 June 2019, a series of measures referred to as the Banking Reform Package (including certain <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 459.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">amendments to CRR and CRDIV commonly referred to as &#8216;CRR II&#8217; and CRD V&#8217;) came into force, subject to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 471.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">various transitional and staged timetables. The adoption of the Banking Reform Package concluded a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 483.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">process that began in November 2016 and marks an important step toward the completion of the European <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 495.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">post-crisis regulatory reforms, drawing on a number of international standards agreed by the Basel <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 507.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Committee, the Financial Stability Board and the G20. CRDV was implemented in Dutch law in 2020. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 519.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Banking Reform Package updates the framework of harmonized rules established following the financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 531.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">crisis of 2008 and introduces changes to the CRR, CRDIV, the Bank Recovery and Resolution Directive (BRRD) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 543.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and the Single Resolution Mechanism Regulation (SRMR). The Banking Reform Package covers multiple <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 555.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">areas, including the Pillar 2 framework, the introduction of a leverage ratio requirement of 3% and a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">leverage ratio buffer requirement of 50% of the G-SIB buffer requirement (applicable per 1 January 2023), a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">binding Net Stable Funding (NSFR) ratio based on the Basel NSFR standard but including adjustments with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regard to e.g. pass-through models and covered bonds issuance, mandatory restrictions on distributions, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">permission for reducing own funds and eligible liabilities, macroprudential tools, a new category of &#8216;non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">preferred&#8217; senior debt, the minimum requirement for own funds and eligible liabilities (MREL) and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">integration of the TLAC standard into EU legislation. Further, the EBA obtained a mandate to investigate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">how to incorporate environmental, social, and governance (ESG) risks into the supervisory process and what <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the prudential treatment of assets associated with environmental or social objectives should look like.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Whilst the Banking Reform Package was being developed, the ECB introduced the Targeted Review of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Internal Models (TRIM) in June 2017 to assess reliability and comparability between banks&#8217; models for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">calculating each bank&#8217;s risk-weighted assets (&#8216;RWA&#8217;) used for determining certain of such bank&#8217;s capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requirements. In July 2019, the ECB published the final chapters of the guide to internal models, covering <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">credit risk, market risk and counterparty credit risk. These risk type-specific chapters are intended to ensure <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a common and consistent approach to the most relevant aspects of the regulations on internal models for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">banks directly supervised by the ECB. Additionally, they provide transparency on how the ECB understands <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 259.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the regulations on the use of internal models to calculate own funds requirements for the three risk types. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 271.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Impact on ING is through more stringent regulation on the end-to-end process and governance around <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 283.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">internal models as well as an increase of risk weighted assets (RWA).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2020, the last TRIM ECB inspection ended. Most of the remedial actions triggered by the TRIM assessments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">resulted in the redevelopment of the credit risk models and were addressed. The resolution of remaining <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remedial actions is ongoing and is linked mainly to the implementation timelines of the CRRIII/CRD VI.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 363.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">CRR &#8220;quick fix&#8221; in response to the Covid&#8208;19 pandemic<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">On 26 June 2020 Regulation (EU) 2020/873 of the European Parliament and of the Council of 24 June 2020 <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 392.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">amending Regulations CRR as regards certain adjustments in response to the COVID-19 pandemic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 404.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(commonly referred to as CRR &#8221;quick fix&#8221;) was published.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 431.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The CRR &#8216;quick fix&#8217; introduced certain adjustments to the CRR, including temporary measures and measures <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 443.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that early adopt changes in the regulations that were intended to become effective at a future date. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 455.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">notably included reduced capital requirement for certain exposures to small- and medium sized enterprises <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(SMEs), a more favourable prudential treatment for certain software assets, one year delay in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 479.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">application of the leverage ratio buffer requirement of 50% of the G-SIB buffer (to 1 January 2023). Also, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 491.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;quick fix&#8217; extended by 2 years transitional arrangements for mitigating the impact on own funds of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 503.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">introduction of IFRS 9 (Article 473a (8) of CRR).&#160; &#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">63<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Final Basel III reforms<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In December 2017 the Basel Committee finalised its Basel III post-crisis reforms with the publication of the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">revisions to the prudential standards for credit, operational and credit valuation adjustment (CVA) risk as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 105.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">well as the introduction of an output floor. This package of reforms aims to increase consistency in risk-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 117.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">weighted asset calculations and improve the comparability of banks&#8217; capital ratios. The use of internal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 129.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">models will be reduced and the standardised approaches will be made more risk-sensitive and granular. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 156.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Following a one-year deferral due to COVID-19, these reforms will take effect from 1 January 2023 and will <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 168.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be phased in over five years. The implementation of the EU/Basel III reforms will have impact on ING&#8217;s risk-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 180.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">weighted assets and capital ratios, but it is expected that other new banking regulations and model reviews <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 192.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">bring forward a significant part of this impact before the EU implementation date.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 221.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">CRRIII / CRD VI<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 236.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On 27 October 2021, the European Commission published a legislative proposal to review the EU&#8217;s CRD/CRR <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">framework.&#160; The review consists of the following legislative elements: a proposal to amend CRD V, a proposal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to amend CRR II, and a separate, targeted proposal to amend CRR II in the area of resolution (the so-called <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;daisy chain&#8217;-proposal). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This proposed legislative review&#8217;s key aim is to implement the final Basel III framework &#8211; agreed at the end <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 313.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of 2017 - in the EU. It is meant to ensure banks remain resilient and capable of withstanding future crises <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 325.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The proposed revisions mainly relate to the prudential standards for credit, market, operational and credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 337.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">valuation adjustment (CVA) risk as well as the introduction of an output floor. Key changes comprise the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reduced use of internal models and more risk-sensitive and granular standardised approaches. It aims to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increase consistency in risk-weighted asset calculations and improve comparability of bank capital ratios. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Commission&#8217;s proposal remains close to the 2017 Basel agreement, but in some areas (often <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">temporarily) includes targeted measures to account for specificities of the EU banking sector. These <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 397.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">measures relate to topics such as the calculation of the output floor, lending to unrated corporates, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 409.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">specialized lending, property lending and counterparty credit risk. The European Commission expects that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 421.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">overall risk-weighted assets will not increase significantly, on average, less than 10% for EU banks at the end <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the transition period.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 460.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The proposed implementation <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 177.64pt; position: var(--position); text-decoration: none; white-space: pre;">date is set at<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 235.25pt; position: var(--position); text-decoration: none; white-space: pre;"> 1 January 2025 for most provisions under review, with a phase-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in period for the output floor of five years. This is two years later than the BCBS&#8217;s deadline. The European <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Commission also proposes a number of other targeted transitional requirements, phasing out by 2032 at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 496.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the latest. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 523.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In December 2023 the EU co-legislators reached a political agreement on the review, but the final legislative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 535.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">texts are yet to be published.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Capital requirements applicable to ING Group at a consolidated level<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In accordance with the CRR the minimum Pillar I capital requirements applicable to ING Group are: a <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Common Equity Tier 1 (CET1) ratio of 4.5%, a Tier 1 ratio of 6% and a Total capital ratio of 8% of risk-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 105.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">weighted assets. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 132.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2020, as a reaction to the COVID-19 pandemic, relevant regulators introduced a number of changes to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 144.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the Pillar II capital requirements and the capital buffer requirements applicable to ING, including structural <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 156.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reductions. The structural reductions of these capital requirements reflect the application of Art.104a in CRD <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 168.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">V, which allowed ING to replace CET1 capital with additional Tier 1 / Tier 2 securities to meet Pillar II <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 180.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requirement, and a reduction in the overall systemic buffer (i.e. the Systemic Risk Buffer plus the highest of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 192.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the O-SII and G-SII buffer) by the Dutch National Bank from 3% to 2.5%. Similarly, various competent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 204.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">authorities changed or removed their Countercyclical Buffer (CCyB) requirements as a response to COVID-19 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 216.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">pandemic.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 243.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Recently, however, various authorities began to increase the CCyB again, including De Nederlandsche Bank <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(DNB; for exposures in the Netherlands), Bundesanstalt f&#252;r Finanzdienstleistungsaufsicht (BaFin; for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">exposures in Germany) and National Bank of Belgium (NBB; for exposures in Belgium). DNB increased the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 279.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">CCyB to 1% from May 2023 and to 2% from May 2024 (in line with the revised countercyclical capital buffer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 291.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">framework DNB intends to apply a 2% CcyB in a standard risk environment). BaFin decided to set the CcyB <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 303.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">at 0.75% from February 2023. NBB increased the CCyB to 0.5% from October 2023 and to 1% from April <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 315.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2024. Other authorities announced increases, too. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The CET1 requirement, including buffers, for ING Group at a consolidated level was 10.98% as end of 2023. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This requirement is the sum of a 4.5% Pillar I requirement, a 0.98% Pillar II requirement, a 2.5% Capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Conservation Buffer (CCB), a 0.50% Countercyclical Buffer (CCyB) (based on 31 December 2023 positions) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and a 2.5% O-SII buffer that is set separately for Dutch systemic banks by the Dutch Central Bank (De <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 390.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Nederlandsche Bank). This requirement excludes the Pillar II guidance, which is not disclosed. The fully <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 402.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">loaded CET1 requirement (that reflects measures already known on 31 December 2023 but not yet <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">applicable) would amount to 10.76% (4.5% Pillar I requirement, a 0.93% Pillar II requirement, a 2.5% CCB, a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">0.84% CCyB and a 2.0% O-SII buffer).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 453.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Maximum Distributable Amount (MDA) trigger level stood at 10.98% as end of 2023 for CET1, 12.81% for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 465.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Tier 1 Capital and 15.25% for Total Capital (after the application of Art.104a of CRDV). ING Group met these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 477.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requirements. In the event that ING Group breaches the MDA level, ING will face restrictions on dividend <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 489.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">payments, AT1 instruments coupons and payment of variable remuneration.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 518.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Bank recovery and resolution directive<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 533.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Since its adoption by the European Parliament in 2014, the Bank recovery and resolution directive (BRRD) <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 547.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">has become effective in all EU countries after transposition into national law, including in the Netherlands. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">64<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The BRRD aims to safeguard financial stability and minimise the use of public funds in case banks face <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial distress or fail to comply with the BRRD. Banks across the EU need to have recovery plans in place <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and need to cooperate with resolution authorities to determine, and make feasible, the preferred resolution <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">strategy. The banking reform which came into force on 27 June 2019 includes changes to the minimum <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirement for own funds and eligible liabilities (MREL) to ensure an effective bail in process. It also includes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">new competences for resolution authorities and requires G-SIBs and other banks to build up loss-absorbing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and recapitalization capacity. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In April 2023 the European Commission published a legislative proposal to review the EU&#8217;s existing bank <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">crisis management and deposit insurance (CMDI) framework, with a focus on medium-sized and smaller <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">banks. Key elements of the proposal include among others: 1) a further harmonization of national <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">insolvency hierarchies - all deposits would rank above ordinary unsecured claims in insolvency and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">relative ranking between the different categories of deposits would be replaced by a single tier depositor <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">preference (this may result in a detriment to ordinary unsecured liabilities in case they would no longer rank <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">pari-passu with some of the deposits), 2) a broader use of deposit guarantee schemes to support resolution <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of banks, and 3) an expansion of the scope of resolution tools for smaller and mid-size banks. The EU co-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 259.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">legislators continue to negotiate the proposals. Based on the draft proposal, majority of the changes would <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 271.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">apply from 18 months from the date of entry into force.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING has had a recovery plan in place since 2012. The plan includes information on crisis governance, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">recovery indicators, recovery options, and operational stability and communication measures. The plan <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">enhances the bank&#8217;s readiness and decisiveness in case of a financial crisis. The plan is updated annually to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">make sure it stays fit for purpose. The completeness, quality and credibility of the updated plan is assessed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">each year by ING&#8217;s regulators.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Single Resolution Board (SRB) confirmed to ING in 2017 that a single-point-of-entry (SPE) strategy is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s preferred resolution strategy, with ING Groep N.V. as the resolution entity.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, ING Group received an updated formal notification from De Nederlandsche Bank (DNB) of its MREL <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirements. The MREL requirement has been established to ensure that banks in the European Union have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sufficient own funds and eligible liabilities to absorb losses and to recapitalize bank in the case of a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 448.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">resolution. The MREL requirement is set for ING Group at a consolidated level, as determined each year by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 460.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Single Resolution Board (SRB). T<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 197.18pt; position: var(--position); text-decoration: none; white-space: pre;">he following MREL requirements for ING Group were applicable on 31 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 472.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">December 2023: 22.29% of RWA, and 5.97% of LR exposure (intermediate MREL targets set by SRB). From 1 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 484.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">January 2024, ING Group will be subject to the following MREL requirements: 23.51% of RWA, and 7.27% of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 496.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">LR exposure.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 523.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">CRR II implements the Financial Stability Board&#8217;s total loss absorbing (TLAC) requirement for Global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 535.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Systemically Important Institutions (G-SII), which is the EU equivalent of a G-SIB. The transitional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 547.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirement&#8212;the higher of 16% of the resolution group&#8217;s RWA or 6% of the leverage ratio exposure <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">measure&#8212;applied immediately. The higher requirement&#8212;18%&#160; and 6.75%, respectively&#8212;came into effect <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as of 1 January 2022. As a G-SII ING is required to meet the TLAC requirement alongside the other minimum <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory requirements set out in EU regulation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">On top of MREL and TLAC RWA requirements, ING Group is required to meet the Combined Buffer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Requirement (CBR) of 5.50% of CET1 (as of 31 December 2023). Fully loaded CBR (that reflects measures <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">already known on 31 December 2023 but not yet applicable) would amount to 5.34%. ING Group met these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requirements. If ING Group breaches the CBR on top of MREL/TLAC (M-MDA), ING may face restrictions on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">dividend payments, AT1 instruments coupons and payment of variable remuneration.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Apart from the requirements for the Group on a consolidated level, the internal MREL requirements are also <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">set for individual ING subsidiaries in EU.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 231.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Stress testing<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 246.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Stress testing is an important risk management tool that provides input for strategic decisions and capital <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 260.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">planning. The purpose of stress testing is to assess the impact of plausible but severe stress scenarios on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 272.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s capital and liquidity position. Stress tests provide complementary and forward-looking insights into the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 284.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">vulnerabilities of certain portfolios, with regards to adverse macroeconomic circumstances, stressed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 296.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial markets, and changes in the (geo)political climate. In addition to assessing P&amp;L, capital and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 308.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">liquidity positions of ING for a range of different scenarios, idiosyncratic risks are also included. The outcome <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 320.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of these stress tests help management get insight into the potential impact and define actions to mitigate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 332.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">this potential impact.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 359.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In addition to running internal stress test scenarios to reflect the outcomes of the annual risk assessment, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 371.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING also participates in regulatory stress test exercises. ING participated in the 2023 EU-wide stress test. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 383.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">exercise has been coordinated by the European Banking Authority (EBA) and carried out in cooperation with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 395.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the European Central Bank (ECB), the European Systemic Risk Board (ESRB), the European Commission (EC) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 407.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and the Competent Authorities (CAs) from all relevant national jurisdictions. The baseline macro-financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 419.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">scenario is based on the projections from the EU national central banks, IMF and OECD. The adverse stress <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 431.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">test scenario was developed by the ESRB. Both the scenario covers the three years from 2023 to 2025 in line <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 443.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with the EBA methodology. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 470.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The 2023 EU-wide stress test exercise was carried out applying a static balance sheet assumption as of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 482.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">December 2022, and therefore does not take into account current or future business strategies and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 494.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mitigating actions. The results of the EBA stress test shows that even under the severe but hypothetical <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 506.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">scenario ING&#8217;s is able to withstand these circumstances even when no mitigating actions have been taken <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 518.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">into account. Under the hypothetical baseline scenario and EBA&#8217;s methodological instructions, ING Group <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 530.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">would have a fully loaded common equity Tier 1 capital ratio (CET1) of 14.37% in 2025. Under the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 542.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hypothetical adverse scenario and EBA&#8217;s methodological instructions, ING Group would have a fully loaded <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 554.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">CET1 ratio of 8.92% in 2025. Our commitment to maintain a robust, fully-loaded Group common equity Tier <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">65<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1 (CET1) ratio in excess of prevailing requirements remains. ING Group published an actual CET1 ratio of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">14.47% per 31 December 2022 (a reference date for the stress test), and 14.68 % per 31 December 2023. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The next EBA EU-wide stress test will be held in 2025.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 117.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Deposit Schemes<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 132.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In the Netherlands and other jurisdictions, deposit guarantee schemes and similar funds (&#8216;Compensation <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 146.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Schemes&#8217;) have been implemented from which compensation may become payable to customers of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 158.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial services firms in the event the financial service firm is unable to pay, or unlikely to pay, claims <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 170.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">against it. In many jurisdictions in which we operate, these Compensation Schemes are funded, directly or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 182.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">indirectly, by financial services firms which operate and/or are licensed in the relevant jurisdiction. ING Bank <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 194.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">is a participant in the Dutch Deposit Guarantee Scheme (&#8216;DGS&#8217;), which guarantees an amount of EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 206.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">100,000 per person per bank (regardless of the number of accounts held). Based on the EU Directive on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 218.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">deposit guarantee schemes, ING pays quarterly risk-weighted contributions into a DGS-fund.&#160; The DGS-fund <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 230.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">is to grow to a target size of 0.8% of all deposits guaranteed under the DGS, which is expected to be reached <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 242.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in July 2024. In case of failure of a Dutch bank, depositor compensation is paid from the DGS-fund. If the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 254.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">available financial means of the fund are insufficient, Dutch banks, including ING, may be required to pay <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 266.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">extraordinary ex-post contributions not exceeding 0.5% of their covered deposits per calendar year.&#160; In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 278.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exceptional circumstances and with the consent of the competent authority, higher contributions may be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 290.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">required. However, extraordinary ex-post contributions may be temporarily deferred if, and for so long as, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 302.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">they would jeopardise the solvency or liquidity of a bank. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 329.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Since 2015, the EU has been discussing the introduction of a pan-European deposit guarantee scheme <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 341.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(&#8216;EDIS&#8217;), but so far no political agreement has been reached on the creation of EDIS.&#160; To strengthen the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 353.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Banking Union, the common framework for bank crisis management and deposit insurance (CMDI) might be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 365.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reformed by making changes to three existing key pieces of EU legislation: the Bank Recovery and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 377.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Resolution Directive (BRRD), the Single Resolution Mechanism Regulation (SRMR), and the Deposit Guarantee <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 389.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Schemes Directive (DGSD). The European Commission published the proposals on 18 April 2023. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 418.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Instant Payments and the Payment Services Regulation/PSD3<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In November 2023 the Council and the European Parliament reached political agreement on the proposal for <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 447.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">an instant payments regulation. The proposal aims to ensure that instant payments in euro are affordable, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 459.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">secure and without hindrance across the European Union. Instant Payments are to be credited to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 471.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">account of the beneficiary within 10 seconds after receipt of the payment order by the payer&#8217;s payment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 483.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">service provider and shall be available 24 hours a day all year round. The regulation introduces a service to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 495.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be provided by payment service providers to payers to verify the match between the bank account number <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 507.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and the name of the beneficiary provided by the payer to prevent mistakes or fraud.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 534.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In June 2023 the European Commission launched its proposal for the Payment Services Regulation (PSR) and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 546.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Payment Services Directive 3, which together will succeed the current directive for payment services (PSD2). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The main changes relate to fraud, further development of open banking, the granting of access to payment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">systems to non-bank payment service providers, further improving consumer rights and obligations and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">national competent authorities to closely monitor compliance and take enforcement action where relevant.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The combat of fraud stands out and addresses new fraud types, such as impersonation fraud. To that end <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">PSR introduces: an obligation for electronic communications services providers to contribute to the collective <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">fight against fraud, the IBAN/name check, a legal basis for payment service providers to share fraud related <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">data, intensified transaction monitoring and an obligation for payment service providers to increase fraud <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">awareness through education. All actors in the ecosystem must contribute to the combat of fraud. PSR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">grants certain refund rights to consumers that suffered damages from the failure of the IBAN/name <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">verification or that are a victim of bank employee impersonation fraud. Agreement on final texts is not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expected for the upcoming European elections.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 228.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The single currency package: the digital euro and access to cash<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 243.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In October 2023 the ECB&#8217;s governing council announced to start the preparation phase for the digital euro. <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 257.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In June 2023 the European Commission launched its legislative proposal establishing the legal framework <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 269.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for such euro. It will ensure that people and business when paying with central bank money also have the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 281.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">possibility to pay digitally, both online and offline, in addition to coins and banknotes. The legislative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 293.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">proposal on the legal tender of euro cash safeguards the role of cash, it shall continue to be a means of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 305.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">payment and should continue to be easily accessible.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 334.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Benchmarks Regulation<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2016, the EU adopted a Regulation (the &#8216;Benchmarks Regulation&#8217; or &#8216;BMR&#8217;) on indices used in the EU as <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 363.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">benchmarks in financial contracts and financial instruments. The Benchmarks Regulation became effective <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 375.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on 1 January 2018.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 402.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The BMR among others requires that supervised entities may only use benchmarks in the EU if these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">benchmarks are provided by administrators that are registered with the European Securities and Markets <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Authority (&#8216;ESMA&#8217;).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 453.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Benchmarks that are based on input from contributors shall have a code of conduct in place designed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 465.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">primarily to ensure reliability of input data, governing issues such as conflicts of interest, internal controls <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 477.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and benchmark methodologies. Financial contracts and financial instruments in which benchmarks are used <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 489.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">by supervised entities require to have robust fall back wording included in their documentation. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 516.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Benchmarks, such as the London Interbank Offered Rate (LIBOR), the Euro Overnight Index Average (EONIA), <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 528.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the Warsaw Interbank Offered Rate (WIBOR), the Canadian Dollar Offered Rate (CDOR) and Mexico&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 540.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Interbank Equilibrium Interest Rate (TIIE), have been either discontinued or are the subject of ongoing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 552.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">national and international regulatory reform. ING has established a global benchmarks transition office <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">66<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which is coordinating benchmark transitions with a global impact, to safeguard a controlled execution of all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">elements in a transition. For qualitative and quantitative disclosures on IBOR transition refer to &#8220;Additional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">information &#8211; ING Group Risk Management &#8211; Market Risk&#8221;. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 117.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">KYC <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 63.97pt; position: var(--position); text-decoration: none; white-space: pre;">Requirements<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 132.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial institutions continue to face new and increasingly complex regulatory requirements, contributing <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 146.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to increasing costs of compliance, in the context of heightened regulatory scrutiny. Generally, we expect the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 158.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">scope and extent of regulations in the jurisdictions in which we operate to continue to increase.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 185.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The evolving regulatory landscape drives the need for continuous change in the various processes, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 197.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">procedures and systems of the bank. Where the timeline for implementation of new or revised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 209.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirements is sometimes quite short, this presents challenges to financial institutions in general. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 221.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">addition, in some instances, the complexity of the regulatory landscape gives rise to potential tension <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 233.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">between applicable laws and regulations at a local and/or global level. For example, there seems to continue <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 245.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to be no full uniformity within the European Union (EU) about the proper application, interpretation and/or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 257.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">execution of restrictive measures under EU sanctions against Russia (imposed as per February 2022, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 269.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">updated from time to time since then, as further described in the below paragraph on &#8216;Sanctions related <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 281.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">developments&#8217;). Another example is the potential tension between data privacy (GDPR) and AML/CFT and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 293.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">anti-corruption laws and regulations; including the requirement to share information relating to financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 305.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">crime concerns to manage risk exposure across the group, while complying with the legislative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 317.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirements relating to data, which can differ significantly depending on jurisdiction.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 344.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING is focussed on continuing to embed applicable requirements in our processes and procedures, including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 356.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in our IT systems and data sources, in a robust and sustainable way; driving a business environment which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 368.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">is compliant by desire and design. The bank also executes ongoing training and awareness to develop its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 380.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">people to have the right knowledge and skills.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 407.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, ING aims to continuously monitor regulatory developments, as well as considering emerging <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 419.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and evolving risks. This supports assessment of the risks that ING may be exposed to and of the associated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 431.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">controls and processes ING has in place, so we can appropriately manage these risks in accordance with our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 443.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk appetite. For example, the volatile price and increased use of virtual assets, accompanied by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 455.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">continuing growth of virtual assets service providers is a theme in that continued to attract regulatory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">attention for potential money laundering, tax and sanctions evasion and terrorist financing.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 496.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">AML/C<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 75.00999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">TF-related developments<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 515.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In July 2021, the Commission of the European Union (EU) presented a new package of legislative proposals <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 527.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to strengthen the EU&#8217;s rules on anti-money laundering and countering the financing of t<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 433.9pt; position: var(--position); text-decoration: none; white-space: pre;">errorism (AML/CFT). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 539.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This package consists of the following four items:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">a draft regulation, aimed to establish a new EU AML authority, which shall have direct administrative and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">enforceability powers to impose sanctions and penalties against obliged entities established in EU <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Member States (the AMLA). Given the cross-border nature of financial crime, the AMLA is aimed to boost <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">the efficiency of the EU AML/CFT framework, by creating an integrated mechanism with national <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">supervisors to ensure obliged entities comply with AML/CFT-related obligations in the financial sector. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 128.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">AMLA will also have a supporting role with respect to non-financial sectors, and coordinate financial <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">intelligence units in EU member states. In addition to supervisory powers and in order to ensure <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">compliance, in cases of serious, systematic or repeated breaches of directly applicable requirements, the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">AMLA shall impose pecuniary sanctions on the selected obliged entities.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 180.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">a draft regulation, recasting the current regulation on transfers of funds which aims to make transfers of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 192.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">crypto-assets more transparent and fully traceable by, inter alia, introducing the so-called &#8216;travel rule&#8217; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 205.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">which aims to provide the EU with a solid and proportional framework that complies with the most <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 218.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">demanding international standards on data sharing (data shall travel along with the funds and thus <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 231.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;follow the money&#8217;) and the exchange of crypto-assets, in particular recommendations 15 and 16 of the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 244.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Action Task Force (FATF),<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 256.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">a draft regulation on AML requirements for the private sector, having direct effect in the local <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 269.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">jurisdictions of EU Member States, catering for the prevention of the use of the financial system for the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 282.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">purposes of ML/TF (the AMLR), and<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 295.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">a draft directive (AMLD6) on AML/CTF mechanisms, to be implemented into national laws and thereby <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 308.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">put in place by the EU Member States for the prevention of the use of the financial system for the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 320.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">purposes of ML/TF, and repealing the fourth EU AML Directive, Directive (EU) 2015/840 (AMLD4), as <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 333.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">amended by the fifth EU AML Directive, Directive (EU) 2018/843 (AMLD5).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In June 2022, the EU Council and Parliament reached a provisional agreement on the regulation on transfers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of funds. More recently, in December 2023, the EU Council and the Parliament also reached a provisional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">agreement on the creation of the AMLA. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">More (AMLA-, ALMR-, AMLD6- and other AML/CTF-related) developments are expected in the upcoming <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">years, starting with 2024.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 453.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Policy with respect to certain countries <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 471.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As a result of frequent evaluation of all businesses from economic, strategic and risk perspective ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 483.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">continues to believe that for business reasons doing business involving certain specified countries should be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 495.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">discontinued. In that respect, ING has a policy not to enter into new relationships with clients from these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 507.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">countries and processes remain in place to discontinue existing relationships involving these countries. At <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 519.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">present these countries are Cuba, Iran, North Korea, Sudan and Syria, as well as the Crimea region. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">67<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group maintains a limited legacy portfolio of guarantees, accounts, and loans that involve various <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">entities with a connection to Iran. These positions remain on the books but certain accounts related thereto <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are &#8216;frozen&#8217; where prescribed by applicable laws and procedures and in all cases subject to increased <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">scrutiny within ING Group. ING Group may receive loan repayments, duly authorised by the relevant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">competent authorities where prescribed by applicable laws. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 308.75pt; position: var(--position); text-decoration: none; white-space: pre;">For the calendar <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 384.20000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">year<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 404.6pt; position: var(--position); text-decoration: none; white-space: pre;"> 2023, ING Group had <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">limited revenues (comparable to the revenues in 2022, amounting to approximately USD 40,000). No net <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">profit is made as there were no repayments made in 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 165.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Sanctions related developments<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 180.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Russia&#8217;s invasion of Ukraine has fundamentally changed the global political landscape, resulting in a world-<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 194.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">wide response, whereby new and significant sanctions packages were imposed against Russia and Belarus <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 206.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">since the end of February 2022 and continuing later such year and throughout 2023. These new sanctions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 218.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">add to existing sanctions imposed on Russia since the 2014 annexation of Crimea.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 245.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">A significant amount of new sanctions has therefore been implemented since. During 2023, there have been <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 257.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">several noteworthy developments highlighting the increasing focus of the EU, US, and other governments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 269.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on the potential circumvention of sanctions against Russia, and the roles of third countries and companies <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 281.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in facilitating the circumvention or undermining of such sanctions&#8217; measures. This has prompted a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 293.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">concerted effort by said governments to impose pressure on companies operating in these jurisdictions, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 305.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to stop the sanctions measures from being sidestepped by targeted Russian parties. The EU introduced <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 317.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">additional measures combating sanctions circumvention and several locations have come into focus as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 329.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">potential diversion hubs. ING continues to actively combat sanctions circumvention and takes great efforts <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 341.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to make its employees and customers aware of the sanctions circumvention risks of the named countries. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 353.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The increase in sanctions as a result of Russia&#8217;s invasion has contributed to the increased efforts to cater for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 365.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s control framework to remain robust to effectively mitigate against the bank&#8217;s sanctions risks, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 377.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">apply greater scrutiny of transactions alerted for heightened risk of non-compliance with applicable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 389.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sanctions. With the Russian invasion of Ukraine, the global sanctions regimes have been in overdrive, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 401.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">creating a very complex environment, besides other geopolitical developments. Intensive focus on sanctions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 413.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(worldwide) is expected to be continued for the coming years.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 440.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This expectation is based on the built experience that the international community is collectively leveraging <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 452.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">their sanction tools in response to the many escalations of Russia&#8217;s invasion of Ukraine and the ongoing war <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 464.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ever since, thereby however also noting that sanction measures of the US, UK and EU and other partner <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 476.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">countries can differ in their scope and these differences present complex operational and legal challenges <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 488.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for business that operate globally or facilitate global trade and payment activities. These complexities and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 500.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">challenges require careful navigation. The scope of the restrictive measures are generally broad, yet often <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 512.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">also nuanced and made subject to relatively detailed factual context, ranging from prohibitions and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 524.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">restrictions which target specific industries, or types of business or activity, to asset freeze sanctions which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 536.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">target specifically listed/designated corporates, private individuals, and certain legal structures and entities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 548.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">owned and/or controlled by these targeted individuals.&#160; &#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Accordingly, as part of ING&#8217;s Know Your Customer and compliance risk governance and procedures, ING is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">continuously monitoring the situation to stay abreast on all relevant updates to implement effective and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">appropriate additional control measures and to manage the increased risk and financial impacts of these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">developments.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Operationally, the impact of these enhancements has resulted in the need for additional staff members to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">review and apply greater scrutiny of transactions alerted for heightened risk of non-compliance with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">applicable sanctions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For additional information regarding regulatory developments, see also this Form 20-F 2023, under <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8220;Additional Information &#8211; ING Group Risk Management- Compliance Risk&#8221;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 14pt; line-height: 14pt; position: var(--position); top: 220.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ESG Reporting Regulatio<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 711.15pt; position: var(--position); text-decoration: none; white-space: pre;">ns <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 237.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Environmental, Social and Governance (ESG) metrics and disclosures are an increasing focus for businesses <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 254.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as they respond to a wave of scrutiny from all manner of stakeholders, from investors and regulators to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 266.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">employees and customers. There&#8217;s an expectation that ESG disclosures will comply with mandatory and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 278.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">voluntary reporting requirements and be reliable, verifiable and comparable to allow those stakeholders to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 290.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">make decisions that matter to them.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 319.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Non-Financial Reporting Directive (NFRD)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 333.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Since 2018, companies like ING within the scope of the <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 800.4pt; position: var(--position); text-decoration: none; white-space: pre;">NFRD<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 824.12pt; position: var(--position); text-decoration: none; white-space: pre;"> (Directive 2014/95/EU) have been required to <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 348.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">disclose information on non-financial matters (environmental, social and employee matters, human rights, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 360.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">bribery and corruption). The objective of the NFRD is to improve the quality and quantity of corporate non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 372.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial information reporting. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Under the NFRD, large, listed companies, banks and insurance companies ('public interest entities') with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">more than 500 employees are required to publish reports on the policies they implement in relation to social <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">responsibility and treatment of employees; respect for human rights; anti-corruption and bribery; and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">diversity on company boards (in terms of age, gender, educational and professional background). In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">particular, the NFRD requires companies to disclose information about their business models, policies <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(including implemented due diligence processes), outcomes, risks and risk management, and Key <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Performance Indicators relevant to the business.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 500.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Sustainability Reporting Directive (CSRD)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 514.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The CSRD (directive (EU) 2022/2464) was published in December 2022 in the Official Journal of the<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 991.3399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> European <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Union<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 581.39pt; position: var(--position); text-decoration: none; white-space: pre;"> and should be transposed into national law by 6 July 2024. It profoundly revises the the ESG reporting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 541.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requirements under the NFRD, Accounting Directive and the Transparency Directive, and it is designed to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 553.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">bring sustainability reporting on par with financial reporting over time and monitor the progress of <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">68<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">companies&#8217; behaviors in relation to sustainability matters. With the CSRD, the existing sustainability matters <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of ESG reporting will be expanded and standardized. Its aims are to:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 92.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">harmonize and improve the quality of information published by undertakings, particularly information on <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 105.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">ESG (sustainability-related information);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 118.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">provide financial undertakings, investors, relevant stakeholders and the general public with relevant, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">comparable and reliable sustainability information;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 144.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">encourage investment that supports the transition to a sustainable economy in line with the European <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 156.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Green Deal.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 184.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Undertakings subject to the CSRD will be required to provide more information than under the NFRD. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 196.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Undertakings falling within its scope will be required to include the following disclosures in their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 208.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management report:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 235.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">information necessary to understand the undertaking's impacts on sustainability matters, that is, ESG <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 248.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">matters; and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 261.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">information necessary to understand how sustainability matters affect the undertaking's development, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">performance and position (double materiality).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The first-time application for undertakings such as ING that are already subject to reporting under the NFRD <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">is for financial years beginning on or after 1 January 2024. These companies will be later joined by large <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">non-listed companies (2025), listed SMEs (2026) and certain European subsidiaries of non-EU groups. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Although the objective is to have a similar level of assurance for financial and sustainability reporting, a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">progressive approach is taken. Therefore, at this stage, the CSRD &#8216;only&#8217; requires a &#8216;limited' assurance from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the auditors. ING Group, as well as some of its subsidiaries are to disclose sustainability related information <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in its Management Board report.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 402.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">European Sustainability Reporting Standards (ESRS)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 417.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In July 2023, the European Commission has adopted the final delegated act of the European Sustainability <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 431.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reporting Standards (ESRS). Companies subject to the CSRD shall report according to the ESRS and ING will <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 443.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">have to apply the standards over financial year 2024, for reports published in 2025. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 470.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The first set of ESRS specify the new sustainability reporting requirements based on the CSRD, covering the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 482.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">full range of sustainability matters (Environment, Social and Governance). The overall architecture of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 494.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">first set of ESRS is designed to ensure that sustainability information is reported in the companies&#8217; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 506.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management report in a carefully articulated manner and is based on the following reporting structure:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 533.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">Governance: the governance processes, controls and procedures used to monitor and manage impacts, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 545.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">risks and opportunities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.0200000000001pt; position: var(--position); text-decoration: none; white-space: pre;">2.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.19pt; position: var(--position); text-decoration: none; white-space: pre;">Strategy: how the undertaking&#8217;s strategy and business model(s) interact with its material impacts, risks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.19pt; position: var(--position); text-decoration: none; white-space: pre;">and opportunities, including the strategy for addressing them <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.0200000000001pt; position: var(--position); text-decoration: none; white-space: pre;">3.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.19pt; position: var(--position); text-decoration: none; white-space: pre;">Impact, risk and opportunity management: the process(es) by which impacts, risks and opportunities are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.19pt; position: var(--position); text-decoration: none; white-space: pre;">identified, assessed and managed through policies and actions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.0200000000001pt; position: var(--position); text-decoration: none; white-space: pre;">4.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.19pt; position: var(--position); text-decoration: none; white-space: pre;">Metrics and targets: how the undertaking measures its performance, including progress toward the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.19pt; position: var(--position); text-decoration: none; white-space: pre;">targets it has set<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 181.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The first set of standards only includes the cross-cutting and sector-agnostic standards. Sector-specific and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 193.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">SME-proportionate standards are in the process of being developed and will be submitted for a separate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 205.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">public consultation, however the Commission has announced a delay in the implementation. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 232.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The cross-cutting standards consist of:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 244.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">ESRS 1 which prescribes the mandatory concepts and principles to be applied when preparing <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 257.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">sustainability statements under the CSRD.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 270.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">ESRS 2 is on general, strategy, governance, and materiality assessment disclosure requirements. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The topical standards consist of:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 310.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Environment topical standards (ESRS E1&#8211;E5) outline disclosure requirements for companies to report on <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 323.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">matters related to climate change, pollution, water and marine resources, biodiversity and ecosystems, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 335.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">and resource use and circular economy.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 348.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Social topical standards (ESRS S1&#8211;S4) provide a framework for entities to report on topics related to their <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">own workforce, the workers in their value chains, the communities impacted by their operations and the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 374.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">consumers and end-users of their products or services.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 387.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Governance topical standards (ESRS G1&#8211;G2) set out disclosure requirements that seek to enhance users&#8217; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 399.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">understanding of a company&#8217;s governance structure, its internal control and risk management system, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">the company&#8217;s strategy and approach, and the processes, procedures and performance in relation to <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 425.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">their business conduct.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 455.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EU Taxonomy<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 469.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The EU Taxonomy Regulation (EU Taxonomy), published in the Official Journal of the EU in 2020, is a <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">classification system, establishing a list of &#8216;environmentally sustainable&#8217; economic activities and introducing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 496.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reporting requirements. The EU Taxonomy provides companies, investors and policymakers with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 508.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">appropriate definitions for which economic activities can be considered &#8216;environmentally sustainable&#8217; and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 520.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">can be reported accordingly. In this way, it creates security for investors and protect private investors from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 532.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">greenwashing.&#160; For an economic activities to be recognized as &#8216;environmentally sustainable&#8221;, it should meet <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 544.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the following technical screening criteria: <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">69<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Substantially contributing to one of the six EU environmental objectives:<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.37pt; position: var(--position); text-decoration: none; white-space: pre;">Climate change mitigation <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.37pt; position: var(--position); text-decoration: none; white-space: pre;">Climate change adaptation<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.37pt; position: var(--position); text-decoration: none; white-space: pre;">Sustainable use and protection of water and marine resources<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.37pt; position: var(--position); text-decoration: none; white-space: pre;">Transition to a circular economy<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 128.91pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.37pt; position: var(--position); text-decoration: none; white-space: pre;">Pollution prevention and control<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.37pt; position: var(--position); text-decoration: none; white-space: pre;">Protection and restoration of biodiversity and ecosystems<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 154.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Doing no harm to any of the other 5 objectives, and<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Meeting minimum safeguards, including OECD Guidelines for Multinational Enterprises and the UN <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 180.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Guiding Principles on Business, ILO standards and Human Rights<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 207.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For each of the environmental objectives, additional delegated acts are published to provide detailed lists of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 219.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">eligible economic activities and related technical screening criteria.&#160; T<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 348.74pt; position: var(--position); text-decoration: none; white-space: pre;">he delegated acts on the above <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 231.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">mentioned environmental objectives have been published in the Official Journal of the EU which provide the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 243.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">detailed technical screening criteria to be met for the relevant climate and environmental objectives for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 255.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">defined activities.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 117.95pt; position: var(--position); text-decoration: none; white-space: pre;"> The delegated acts on Climate Change Mitigation and Climate Change Adaptation are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">applicable since January 2022 and have been adjusted by a complementary delegated act on nuclear and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 279.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">gas energy activities, which is applicable as of January 2023. The second delegated act for the remaining 4 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 291.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">objectives will be applicable as of 1 January 2024. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 318.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For disclosure requirements under the EU Taxonomy, a delegated act supplementing Article 8 of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 330.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Taxonomy is applicable since January 2022. Article 8 of the EU Taxonomy requires companies falling within <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the scope of the existing NFRD &#8211; and the additional companies to be brought under the scope of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">proposed CSRD in the future &#8211; to report on the extent to which their activities are environmentally <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sustainable according to the EU Taxonomy. Article 8 of the EU Taxonomy aims to increase transparency in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the market and help prevent greenwashing by providing information to investors about the environmental <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 390.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performance of assets and economic activities of financial and non-financial undertakings subject to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 402.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">NFRD. This delegated act specifies the content, methodology and presentation of information to be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">disclosed concerning the proportion of environmentally sustainable economic activities in their businesses, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">depending on the type of the company (i.e. non-financial/financial). Within the scope of Article 8 delegated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 438.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">act, all NFRD non-financial companies have to determine the parts of their turnover, capital and operating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 450.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">expenditures that are eligible and aligned with the EU Taxonomy. Financial companies on the other hand, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 462.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">will disclose certain KPIs such as the Green Asset Ratio (GAR), and disclose the EU Taxonomy aligned part of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 474.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">their balance sheet such as their mortgage book, and loan book by using non-financial companies' EU <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 486.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Taxonomy disclosures. Credit institutions such as ING should follow the below listed disclosures <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 498.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirements:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 510.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">From 1 January 2022 (reference date: 31 December 2021): only disclose (i) the proportion in their total <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 523.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">assets of exposures to Taxonomy non-eligible and Taxonomy-eligible economic activities; (ii) the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 536.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">proportion in their total assets of the exposures to central governments, central banks, and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">supranational issuers, derivatives and undertakings that are not in-scope entities, together with (iii) <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">certain qualitative information for the previous financial year.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">From 1 January 2024 (reference date: 31 December 2023): disclose 5 quantitative templates including <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">the GAR and accompanying qualitative information. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">1 January 2026: in addition to previous requirements, need to report on the Taxonomy-alignment of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 128.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">their trading book and fees and commissions for non-banking activities.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 158.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Pillar 3 ESG Disclosures<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 173.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Article 449a of Regulation (EU) No 575/2013 (CRR) requires large institutions with securities traded on a <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulated market of any Member State to disclose prudential information on environmental, social and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">governance risks, including physical risks and transition risks, as defined in the report referred to in Article <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">98(8) of Directive 2013/36/EU. Article 434a CRR mandates the EBA to develop draft implementing technical <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">standards (ITS) specifying uniform formats and associated instructions for the disclosure of this information.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The ITS on Pillar III disclosures on Environmental, Social and Governance (ESG) risks was adopted by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">European Commission in November 2022, published in the Official Journal of the EU in December 2022 with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a first reporting date in 2023 (reference date: 31 December 2022). The ESG Pillar 3 requires credit institutions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">such as ING to disclose the following information:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 298.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Climate risks: how climate change may exacerbate other risks within banks balance sheets.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 311.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Mitigating actions: what mitigating actions banks have in place to address those risks, including financing <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 324.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">activities that reduce carbon emissions.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 336.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Green Asset ratio and Banking Book Taxonomy Alignment ratio: to understand how banks are financing <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">activities that will meet the publicly agreed Paris agreement objectives of climate change mitigation and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">adaptation based on the EU taxonomy of green activities. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The EBA ESG Pillar 3 requirements features (i) a set of 10 quantitative templates that request banks to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 402.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">disclose climate-related risks and actions to mitigate them, together with exposure to assets that support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the climate change mitigation and adaptation and (ii) qualitative information on their ESG strategies, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">governance and risk management arrangements with regard to ESG risk. It should be noted that the EBA <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ESG Pillar 3 requirements will become binding following a phased-in approach, with a transitional period for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">certain disclosures until 2025 (reference date: 31 December 2024)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 849.63pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 479.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Sustainable Finance Disclosure Regulation<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 497.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Sustainable Finance Disclosure Regulation (SFDR) is a European regulation intended to improve financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 509.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sector transparency for certain sustainable investment products, via website and pre-contractual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 521.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">disclosures. It also aims to prevent greenwashing and to increase transparency around sustainability claims <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 533.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">made by financial sector participants. The SFDR&#160; imposes sustainability disclosure requirements on certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 545.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial actors who are offering certain type of financial products or investment advice in the EU covering a <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">70<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">broad range of environmental, social and governance (ESG) metrics at both entity- and product-level. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">SFDR came into effect on 10 March 2021, with certain disclosure requirements being in effect at a later <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">stage.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 117.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">SEC Climate-Related Disclosures<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 132.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On March 6, 2024, the SEC adopted final rules that require registrants to disclose certain climate-related <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 146.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">information in registration statements and annual reports. The final rules require, among other things, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 158.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">disclosure of material climate-related risks and their material impacts; activities to mitigate or adapt to such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 170.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risks; information about the registrant's board of directors' oversight of climate-related risks and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 182.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management&#8217;s role in managing material climate-related risks; and information on any climate-related <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 194.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">targets or goals that are material to the registrant's business, results of operations, or financial condition. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 206.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">addition, the final rules require disclosure of Scope 1 and/or Scope 2 greenhouse gas (GHG) emissions by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 218.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">certain larger registrants when those emissions are material and the filing of an attestation report covering <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 230.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the required disclosure of such registrants&#8217; Scope 1 and/or Scope 2 emissions, each on a phased-in basis. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 242.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Further, where applicable, the final rules also require certain disaggregated financial information relating to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 254.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">carbon offsets and renewable energy credits or certificates and the financial impacts of certain weather <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 266.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">events and other natural conditions to be disclosed in the notes to the registrant&#8217;s financial statements. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 293.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">While the final rule will become effective in 2024, ING will be required to comply with certain of the rules on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 305.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a phased-in basis beginning with the 2025 financial year.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 335.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Additional information regarding regulatory developments<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 358.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For additional information regarding regulatory developments, see also this Form 20-F 2023, under <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 370.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8220;Additional Information &#8211; ING Group Risk Management- Environmental, social and governance Risk&#8221;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 397.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For a description of our segments including a breakdown of total revenues by category for the last three <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 409.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial years, refer to Item 5. &#8220;Operating and financial review and prospects - Segment reporting&#8221;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 555.02pt; position: var(--position);">C. <span style="display: inline-block; height: 12pt; width: 19.03pt;"></span></span><span style="left: 591.02pt; position: var(--position);">Organisational structure<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V., a publicly-listed company, is the parent of one main legal entity: ING Bank N.V. (ING Bank). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 111.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank is the parent company of various Dutch and foreign banking and other subsidiaries. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 138.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to Exhibit 8 &#8220;List of subsidiaries of ING Groep N.V.&#8221; for a list of principal subsidiaries of ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 150.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Groep. N.V. For the majority of ING&#8217;s principal subsidiaries, ING Groep N.V. has control because it either <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 162.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">directly or indirectly owns more than half of the voting power. For subsidiaries in which the interest held is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 174.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">below 50%, control exists based on the combination of ING&#8217;s financial interest and its rights from other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 186.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contractual arrangements which result in control over the operating and financial policies of the entity.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 218.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 555.02pt; position: var(--position);">D.<span style="display: inline-block; height: 12pt; width: 21.52pt;"></span></span><span style="left: 591.02pt; position: var(--position);">Property, plants and equipment <span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 252.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING predominantly leases the land and buildings used in the normal course of its business. In addition, ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 264.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">has invested in land and buildings. Management believes that ING&#8217;s facilities are adequate for its present <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 276.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">needs in all material respects.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For information on property, plants and equipment, reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 883.0799999999999pt; position: var(--position); text-decoration: none; white-space: pre;">Note 9 'Property and equipment'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1029.69pt; position: var(--position); text-decoration: none; white-space: pre;">, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for information on lease liabilities reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 801.18pt; position: var(--position); text-decoration: none; white-space: pre;">Note 16 'Other liabilities'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 910.28pt; position: var(--position); text-decoration: none; white-space: pre;"> and for information on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">investment properties reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 750.91pt; position: var(--position); text-decoration: none; white-space: pre;">Note 11 'Other assets'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 849.63pt; position: var(--position); text-decoration: none; white-space: pre;"> in the consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 371.31pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_40"></div><div style="line-height: 27pt; position: var(--position); top: 371.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 555.02pt; position: var(--position);">Item 4A.<span style="display: inline-block; height: 20.25pt; width: 6pt;"></span></span><span style="left: 663.02pt; position: var(--position);">Unresolved Staff comments<span style="display: inline-block; height: 20.25pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Not applicable.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">71<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_43"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">Item 5. <span style="display: inline-block; height: 20.25pt; width: 16.66pt;"></span></span><span style="left: 147.97pt; position: var(--position);">Operating and financial review and prospects<span style="display: inline-block; height: 20.25pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The following operating and financial review and prospects should be read in conjunction with the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consolidated financial statements and the related Notes thereto included elsewhere herein. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consolidated financial statements have been prepared in accordance with IFRS-IASB. Unless otherwise <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">indicated, financial information for ING Group included herein is presented on a consolidated basis under <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">IFRS-IASB.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 222.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">A.<span style="display: inline-block; height: 12pt; width: 21.68pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Operating results<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 262.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Geopolitical and economic events not only have a significant impact on <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 280.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customers and individuals, but also on financial institutions like ING. <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The global economy was lacklustre in 2023. A buoyant reopening phase, which drove GDP growth to well <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">above pre-pandemic levels, was followed by a weaker spell driven by higher inflation, geopolitical <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">uncertainty and a disappointing Chinese economy. Europe, being an open economy, suffered from this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">weak global environment and the simmering impact of the energy crisis on industry, resulting in stagnant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">economic activity. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">However, inflation came down significantly in advanced economies, in part driven by lower energy prices, a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 400.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fading of supply-chain problems, and of course higher interest rates. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">China had a weak 2023 due to underwhelming household consumption upon reopening of the economy, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 439.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">continued problems in the real estate sector (which is still dealing with a debt overhang), and slowed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">demand for production from advanced markets. The latter put pressure on industrial production and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exports. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The United States has been the positive exception, with resilient 2023 GDP growth. The US economy was <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">supported by continued high government spending, but also by consumers running down excess savings. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 514.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This, in turn, kept the job market roaring, which supported income. The effect of higher interest rates started <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 526.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to show but did not curb economic activity too much. This drove the Fed funds rate to five-and-a half <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 538.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">percent and while a recession was expected, it did not materialise. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The US economy continued to perform well despite significant financial stress in the first half of the year. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The failure of several smaller American banks caused instability and forced governments and central banks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to take action. Eurozone banks were not significantly affected, but the industry did experience a degree of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial stress. In Switzerland, this financial distress contributed to the emergency takeover of Credit Suisse <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">by UBS. Overall, monetary tightening had a significant effect on borrowing and deposit growth, but did not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">result in a major downturn in activity in advanced markets.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 229.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The performance of the eurozone economy in 2023 was stagnant. Germany underperformed the eurozone <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 241.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">average due to a larger share of energy-intensive industries, which continued to suffer from higher energy <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 253.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">prices (despite a decline from 2022 peaks) and overall competitiveness problems. Eurozone consumers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">struggled with the loss of purchasing power, with household consumption remaining below its late-2022 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">peak throughout the year.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 304.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">However, the labour market remained strong in the eurozone and bankruptcies have not meaningfully <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">increased. The inflation rate also fell substantially, which caused the European Central Bank (ECB) to pause <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">interest-rate rises after raising the deposit rate to a record high of four percent. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In general, 2023 saw a smaller impact on the economy from geopolitical events than 2022. While global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risks did not abate, the impact of the Russia-Ukraine war had a more muted effect on advanced markets as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">energy prices remained much more subdued and the Israel-Gaza conflict did not result in significant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">spillovers to the global economy. Still, the effect on the eurozone was larger than in other major markets, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">resulting in a weaker economic performance than peers like the US.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 430.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For further information on other factors that can impact ING Group&#8217;s results of operations, reference is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 442.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">made to &#8220;Item 3. Key information - Risk Factors&#8221;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 469.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For further information on regulatory changes reference is made to &#8220;Item 4. Information on the Company &#8211; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 481.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Regulation and Supervision&#8221;.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">72<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Fluctuations in markets<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 101.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Fluctuations in equity markets<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our banking operations are exposed to fluctuations in equity markets. ING maintains an internationally <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 129.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">diversified and mainly client-related trading portfolio. Accordingly, market downturns are likely to lead to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 141.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">declines in securities trading and brokerage activities which we execute for customers and therefore to a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 153.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">decline in related commissions and trading results. In addition to this, ING also maintains equity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 165.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investments in its own non-trading books. Fluctuations in equity markets may affect the value of these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 177.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investments.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 206.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Fluctuations in interest rates<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 221.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our banking operations are exposed to fluctuations in interest rates. Mismatches in the interest re-pricing <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and maturity profile of assets and liabilities in our balance sheet can affect the future interest earnings and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">economic value of the bank's underlying banking operations. In addition, changing interest rates may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 259.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impact the (assumed) behavior of our customers, impacting the interest rate exposure, interest hedge <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 271.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">positions and future interest earnings, solvency and economic value of the bank&#8217;s underlying banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 283.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">operations. The stability of future interest earnings and margin also depends on the ability to actively <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 295.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">manage pricing of customer assets and liabilities. Especially, the pricing of customer savings portfolios in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 307.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">relation to re-pricing customer assets and other investments in our balance sheet is a key factor in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 319.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management of the bank&#8217;s interest earnings. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 348.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Fluctuations in exchange rates<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 363.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group is exposed to fluctuations in exchange rates. Our management of exchange rate sensitivity <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 377.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">affects the results of our operations through the trading activities (which includes local country versus <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 389.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">international transactions) and because we prepare and publish our consolidated financial statements in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 401.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Euros. Because a substantial portion of our income, expenses and foreign investments is denominated in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 413.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">currencies other than Euros, fluctuations in the exchange rates used to translate foreign currencies, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 425.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">particularly the U.S. Dollar, Pound Sterling, Turkish Lira, Chinese Renminbi, Australian Dollar, Japanese Yen, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 437.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Polish Zloty, Romanian Leu, Korean Won, Brazilian Real, Singapore Dollar, Thai Baht and Russian Ruble into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 449.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Euros can impact our reported results of operations, cash flows and reserves from year to year. Fluctuations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 461.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in exchange rates will also impact the value (denominated in Euro) of our investments in our non-Euro <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 473.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reporting subsidiaries. The impact of these fluctuations in exchange rates is mitigated to some extent by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 485.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fact that income and related expenses, as well as assets and liabilities, of each of our non-Euro reporting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 497.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">subsidiaries are generally denominated in the same currencies. FX translation risk is managed by taking into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 509.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">account the effect of translation results on the Common Equity Tier 1 ratio (CET1).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated result of operations<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 84.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group monitors and evaluates the performance of ING Group at a consolidated level and by segment <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 98.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">using results based on figures according to IFRS as adopted by the European Union (IFRS-EU). The Executive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 110.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Board and the Management Board Banking consider this measure to be relevant to an understanding of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 122.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Group&#8217;s financial performance, because it allows investors to understand the primary method used by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 134.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management to evaluate the Group&#8217;s operating performance and make decisions about allocating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 146.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">resources. In addition, ING Group believes that the presentation of results in accordance with IFRS-EU helps <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 158.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">investors compare its segment performance on a meaningful basis by highlighting result before tax <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 170.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">attributable to ongoing operations and the profitability of the segment businesses. IFRS-EU result is derived <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 182.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">by including the impact of the IFRS-EU &#8216;IAS 39 carve out&#8217; adjustment compared to IFRS-IASB.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 209.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The IFRS-EU &#8216;IAS 39 carve-out&#8217; adjustment relates to fair value portfolio hedge accounting strategies for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 221.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mortgage and savings portfolios in the Benelux, Germany and Other Challengers that are not eligible under <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 233.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">IFRS-IASB. As no hedge accounting is applied to these mortgage and savings portfolios under IFRS-IASB, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 245.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">fair value changes of the derivatives are not offset by fair value changes of the hedge items (mortgages and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 257.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">savings).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 284.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For a reconciliation to IFRS-EU of non-GAAP measures 'Net core lending growth' and 'Net core deposits <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 296.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">growth', please refer to the end of this section.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 325.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Segment Reporting</span><span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 339.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The published 2023 financial statements of ING Group includes financial information in accordance with <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">International Financial Reporting Standards as adopted by the European Union (IFRS-EU). The segment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reporting in the annual report on Form 20-F has been reconciled with International Financial Reporting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Standards as issued by the International Accounting Standards Board (IFRS-IASB) for consistency with the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 390.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">other financial information contained in this report. The difference between the accounting standards is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 402.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reflected in the Wholesale Banking segment, and in the geographical split of the segments in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands, Belgium, Germany and Other Challengers. Reference is made to Note 1 &#8216;Basis of preparation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and material accounting policy information&#8217; for a reconciliation between IFRS-EU and IFRS-IASB.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 453.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group&#8217;s segments are based on the internal reporting structure by lines of business. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 480.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Executive Board of ING Group and the Management Board Banking (together the Chief Operating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 492.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Decision Maker (CODM)) set the performance targets, approve and monitor the budgets prepared by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 504.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business lines. Business lines formulate strategic, commercial, and financial plans in conformity with the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 516.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">strategy and performance targets set by the CODM.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 543.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Recognition and measurement of segment results are in line with the accounting policies as described in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 555.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Note 1 &#8216;Basis of preparation and material accounting policy information&#8217;. The results for the period for each <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">73<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reportable segment are after intercompany and intersegment eliminations and are those reviewed by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">CODM to assess performance of the segments. Transfer prices for inter-segment transactions are set at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">arm&#8217;s length. Corporate expenses are allocated to business lines based on time spent by head office <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">personnel, the relative number of staff, or on the basis of income, expenses and/or assets of the segment. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Total assets by country, as presented in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 220.28pt; position: var(--position); text-decoration: none; white-space: pre;">Note 31 &#8216;Information on geographical areas&#8217;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 417.63pt; position: var(--position); text-decoration: none; white-space: pre;">, does not include <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">intercompany balances and reconciles to the total assets in the consolidated statement of financial position <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of ING Group.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The following overview specifies the segments by line of business and the main sources of income of each of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the segments:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Netherlands (Market Leaders)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Income from retail and private banking activities in the Netherlands, including the SME and mid-corporate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">segments, and the Real Estate Finance portfolio related to Dutch domestic mid-corporates. The main <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">products offered are current and savings accounts, business lending, mortgages and other consumer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">lending in the Netherlands.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Belgium (Market Leaders)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Income from retail and private banking activities in Belgium (including Luxembourg), including the SME and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">mid-corporate segments. The main products offered are similar to those in the Netherlands.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Germany (Challengers and Growth Markets)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Income from retail and private banking activities in Germany (including Austria). The main products offered <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are current and savings accounts, mortgages and other customer lending.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 379.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Other (Challengers and Growth Markets)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 391.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Income from retail banking activities in the rest of the world, including the SME and mid-corporate segments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 403.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in specific countries. The main products offered are similar to those in the Netherlands.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 430.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 442.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Income from wholesale banking activities. The main products are: lending, debt capital markets, working <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 454.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">capital solutions, export finance, daily banking solutions, treasury and risk solutions, and corporate finance.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 481.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Line<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 493.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition to these segments, ING Group reconciles the total segment results to the total result using <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 505.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Line. The Corporate Line reflects capital management activities, as ING Group applies a system of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 517.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">capital charging for its banking operations in order to create a comparable basis for the results of business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 529.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">units globally, irrespective of the business units&#8217; book equity and the currency they operate in. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As from 2022, results in the Corporate Line have been impacted by the application of hyperinflation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">accounting in the consolidation of our subsidiary in T&#252;rkiye (IAS 29).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Following a change in governance, the Asian stakes (our investments in Bank of Beijing and TMBThanachart <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Bank (TTB)) are reported in Corporate Line as of 2023 (with a profit before tax of EUR 185 million), whereas <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">previously they were reported in Retail Other. Comparable data have been adjusted accordingly.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, Corporate Line includes certain other income and expenses that are not allocated to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">banking businesses. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 193.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Total income for Corporate Line in 2023 amounted to EUR 450 million compared with EUR 84 million in 2022. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 205.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This included a hyperinflation accounting impact of EUR -179 million in 2023 versus EUR -279 million in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 217.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022. Excluding hyperinflation accounting impact, total income rose by EUR 266 million, mainly attributable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 229.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to higher income from Treasury activities and because 2022 had included EUR -165 million impact for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">impairments on our stake in TTB. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 268.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses for Corporate Line were EUR 542 million, 1.3% up from EUR 535 million in 2022. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 280.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Expenses in 2023 included a hyperinflation impact of EUR 48 million and EUR 51 million that was <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 292.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">provisioned, while 2022 had included a hyperinflation impact of EUR 30 million and a EUR 32 million <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 304.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">impairment loss related to the goodwill allocated t<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 780.5699999999999pt; position: var(--position); text-decoration: none; white-space: pre;">o T&#252;rkiye.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">74<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Total Operations<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The following table sets forth the contribution of ING&#8217;s business lines and the corporate line to the net result <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for each of the years 2023, 2022 and 2021.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 120.71pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 153pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 47.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 0pt; width: 153pt;"><div><div style="line-height: 10pt; position: var(--position); top: 1.57pt; width: 153pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Total operations<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 12pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 153pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1 January to 31 December 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 153pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 153pt; position: var(--position); top: 12pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.18pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.51pt; position: var(--position); text-decoration: none; white-space: pre;">Banking <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.3pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 209.25pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.93pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.26pt; position: var(--position); text-decoration: none; white-space: pre;">Banking <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.69pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 254.25pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.93pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.26pt; position: var(--position); text-decoration: none; white-space: pre;">Banking <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.65pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 299.25pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.93pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.48pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 344.25pt; position: var(--position); top: 12pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.11pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.01pt; position: var(--position); text-decoration: none; white-space: pre;">Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 393pt; position: var(--position); top: 12pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.62pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.94pt; position: var(--position); text-decoration: none; white-space: pre;">Line<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 440.25pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 47.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 59.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Net interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 59.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);">3,096<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 59.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,063<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 59.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,862<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 59.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">3,437<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 59.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);">4,028<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 59.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);">489<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 59.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);">15,976<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 71.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Net fee and commission income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 71.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);">959<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 71.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">502<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 71.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">357<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 71.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">519<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 71.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);">1,259<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 71.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.21pt;"></span></span><span style="left: 35.84pt; position: var(--position);">-1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 71.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">3,595<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 83.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Total investment and other income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 83.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);">945<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 83.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">117<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 83.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-67<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 83.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">277<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 83.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);">1,771<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 83.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.15pt;"></span></span><span style="left: 30.779999999999998pt; position: var(--position);">-38<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 83.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">3,005<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 95.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 95.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);">5,001<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,683<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">3,152<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">4,233<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 95.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);">7,057<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 95.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">450<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);">22,575<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 119.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Expenditure:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 131.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Operating expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 131.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);">2,135<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 131.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,852<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 131.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,243<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 131.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,479<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 131.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);">3,313<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 131.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);">542<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 131.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);">11,564<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 143.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Additions to loan loss provision<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 143.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);">5<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">169<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">119<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">313<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 143.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.65pt;"></span></span><span style="left: 32.28pt; position: var(--position);">-92<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 143.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.56pt;"></span></span><span style="left: 39.190000000000005pt; position: var(--position);">5<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">520<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 155.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total expenditure<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 155.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);">2,140<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 155.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,022<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 155.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,362<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 155.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,792<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 155.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);">3,222<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 155.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">547<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 155.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);">12,084<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 179.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 179.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);">2,861<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 179.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">661<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 179.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,790<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 179.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,441<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 179.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);">3,836<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 179.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.66pt;"></span></span><span style="left: 30.29pt; position: var(--position);">-97<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 179.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);">10,492<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 191.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 191.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);">740<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 191.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">182<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 191.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">631<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 191.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">359<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 191.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.94pt;"></span></span><span style="left: 30.57pt; position: var(--position);">900<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 191.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);">158<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 191.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,970<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 203.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-controlling interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 203.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 203.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 203.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 203.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">174<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 203.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);">61<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 203.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.62pt;"></span></span><span style="left: 44.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 203.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">235<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 215.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-EU<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 215.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);">2,121<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 215.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">479<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 215.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,159<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 215.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">908<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 215.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);">2,875<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 215.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-255<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 215.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">7,287<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 227.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustment of the EU 'IAS 39 carve-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">out'<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 344.25pt; position: var(--position); top: 227.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-3,147<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 440.25pt; position: var(--position); top: 227.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-3,147<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 251.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-IASB<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 153pt; position: var(--position); top: 251.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);">2,121<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 209.25pt; position: var(--position); top: 251.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">479<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 254.25pt; position: var(--position); top: 251.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,159<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 299.25pt; position: var(--position); top: 251.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">908<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 251.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.92pt;"></span></span><span style="left: 26.55pt; position: var(--position);">-272<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 251.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-255<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 251.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">4,140<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position: var(--position); top: 120.11pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 153pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 47.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 0pt; width: 153pt;"><div><div style="line-height: 10pt; position: var(--position); top: 1.57pt; width: 153pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Total operations<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 38.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 0pt; position: var(--position); top: 12pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.95pt; width: 153pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1 January to 31 December 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 27.75pt; width: 153pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 153pt; position: var(--position); top: 12pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.15pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.18pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 16.95pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.51pt; position: var(--position); text-decoration: none; white-space: pre;">Banking <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 27.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.3pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 209.25pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.15pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.93pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 16.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.26pt; position: var(--position); text-decoration: none; white-space: pre;">Banking <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 27.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.69pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 254.25pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.15pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.93pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 16.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.26pt; position: var(--position); text-decoration: none; white-space: pre;">Banking <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 27.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.65pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 299.25pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.93pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 27.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.48pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 344.25pt; position: var(--position); top: 12pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.95pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.11pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 27.75pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.01pt; position: var(--position); text-decoration: none; white-space: pre;">Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 393pt; position: var(--position); top: 12pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.95pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.62pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 27.75pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.94pt; position: var(--position); text-decoration: none; white-space: pre;">Line<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 440.25pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 27.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 50.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 62.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Net interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 62.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);">2,888<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 62.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,668<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 62.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,666<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 62.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,725<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 62.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);">4,260<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 62.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);">550<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 62.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);">13,756<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 74.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Net fee and commission income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 74.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);">892<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 74.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">511<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 74.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">437<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 74.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">535<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 74.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);">1,217<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 74.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.21pt;"></span></span><span style="left: 35.84pt; position: var(--position);">-6<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 74.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">3,586<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 86.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Total investment and other income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 86.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);">417<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-32<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">69<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">377<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 86.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.94pt;"></span></span><span style="left: 30.57pt; position: var(--position);">849<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 86.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.09pt;"></span></span><span style="left: 25.72pt; position: var(--position);">-460<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,219<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 98.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 98.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);">4,196<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,147<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,172<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">3,637<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 98.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);">6,325<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 98.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.14pt;"></span></span><span style="left: 33.77pt; position: var(--position);">84<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);">18,561<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 122.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Expenditure:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 134.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Operating expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 134.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);">2,115<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 134.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,786<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 134.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,140<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 134.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,509<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 134.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);">3,114<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 134.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);">535<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 134.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);">11,199<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 146.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Additions to loan loss provision<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 146.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);">67<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 146.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">139<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 146.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">131<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 146.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">302<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 146.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);">1,220<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 146.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.56pt;"></span></span><span style="left: 39.190000000000005pt; position: var(--position);">2<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 146.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,861<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 158.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total expenditure<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 158.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);">2,182<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 158.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,924<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 158.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,271<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 158.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,812<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 158.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);">4,334<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 158.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">537<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 158.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);">13,060<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 182.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 182.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);">2,014<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 182.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">223<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 182.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">901<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 182.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">825<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 182.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);">1,991<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 182.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-453<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 182.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">5,502<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 194.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 194.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);">540<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 194.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">72<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 194.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">202<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 194.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">254<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 194.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.94pt;"></span></span><span style="left: 30.57pt; position: var(--position);">581<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 194.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.5pt;"></span></span><span style="left: 34.13pt; position: var(--position);">76<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 194.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,725<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 206.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-controlling interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 206.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 206.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 206.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);">3<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 206.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">47<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 206.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);">52<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 206.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.56pt;"></span></span><span style="left: 39.190000000000005pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 206.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">102<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 218.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-EU<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 218.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);">1,474<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 218.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">151<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 218.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">696<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 218.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">525<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 218.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);">1,358<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 218.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-530<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 218.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">3,674<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 230.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustment of the EU 'IAS 39 carve-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">out'<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 344.25pt; position: var(--position); top: 230.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);">8,451<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 440.25pt; position: var(--position); top: 230.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">8,451<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 254.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-IASB<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 153pt; position: var(--position); top: 254.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);">1,474<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 209.25pt; position: var(--position); top: 254.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">151<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 254.25pt; position: var(--position); top: 254.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">696<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 299.25pt; position: var(--position); top: 254.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">525<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 254.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);">9,810<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 254.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-530<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 254.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);">12,126<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">75<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 153pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 47.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 0pt; width: 153pt;"><div><div style="line-height: 10pt; position: var(--position); top: 1.57pt; width: 153pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Total operations<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 12pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 153pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1 January to 31 December 2021<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 153pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 153pt; position: var(--position); top: 12pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.18pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.51pt; position: var(--position); text-decoration: none; white-space: pre;">Banking <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.3pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 209.25pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.93pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.26pt; position: var(--position); text-decoration: none; white-space: pre;">Banking <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.69pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 254.25pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.93pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.26pt; position: var(--position); text-decoration: none; white-space: pre;">Banking <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.65pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 299.25pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.93pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.48pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 344.25pt; position: var(--position); top: 12pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.11pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.01pt; position: var(--position); text-decoration: none; white-space: pre;">Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 393pt; position: var(--position); top: 12pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.62pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.94pt; position: var(--position); text-decoration: none; white-space: pre;">Line<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 440.25pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 47.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 59.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Net interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 59.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);">3,290<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 59.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,747<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 59.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,447<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 59.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,709<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 59.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);">4,151<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 59.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);">270<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 59.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);">13,615<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 71.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Net fee and commission income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 71.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);">771<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 71.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">519<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 71.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">497<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 71.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">530<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 71.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);">1,197<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 71.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.56pt;"></span></span><span style="left: 39.190000000000005pt; position: var(--position);">3<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 71.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">3,517<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 83.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Total investment and other income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 83.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);">201<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 83.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">209<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 83.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">65<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 83.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">202<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 83.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.94pt;"></span></span><span style="left: 30.57pt; position: var(--position);">568<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 83.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);">114<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 83.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,359<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 95.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 95.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);">4,262<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,475<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,009<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">3,441<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 95.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);">5,916<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 95.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">387<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);">18,490<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 119.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Expenditure:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 131.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Operating expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 131.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);">2,403<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 131.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,667<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 131.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,174<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 131.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,442<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 131.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);">2,926<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 131.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);">580<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 131.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);">11,192<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 143.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Additions to loan loss provision<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 143.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.15pt;"></span></span><span style="left: 39.78pt; position: var(--position);">-76<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">225<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">49<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">202<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 143.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.94pt;"></span></span><span style="left: 30.57pt; position: var(--position);">117<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 143.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.62pt;"></span></span><span style="left: 44.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">516<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 155.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total expenditure<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 155.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);">2,326<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 155.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,892<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 155.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,223<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 155.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,644<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 155.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);">3,042<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 155.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">580<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 155.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);">11,708<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 179.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 179.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);">1,936<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 179.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">583<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 179.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">786<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 179.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">797<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 179.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);">2,874<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 179.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-193<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 179.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">6,782<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 191.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 191.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);">499<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 191.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">146<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 191.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">252<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 191.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">209<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 191.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.94pt;"></span></span><span style="left: 30.57pt; position: var(--position);">703<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 191.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.5pt;"></span></span><span style="left: 34.13pt; position: var(--position);">68<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 191.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,877<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 203.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-controlling interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 203.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 203.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 203.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 203.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">98<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 203.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);">26<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 203.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.62pt;"></span></span><span style="left: 44.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 203.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">128<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 215.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-EU<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 215.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);">1,437<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 209.25pt; position: var(--position); top: 215.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">437<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 254.25pt; position: var(--position); top: 215.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">529<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 299.25pt; position: var(--position); top: 215.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">490<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 344.25pt; position: var(--position); top: 215.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);">2,144<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 215.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-261<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 215.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">4,776<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 227.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustment of the EU 'IAS 39 carve-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">out'<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 344.25pt; position: var(--position); top: 227.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);">1,174<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 440.25pt; position: var(--position); top: 227.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,174<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 251.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-IASB<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 153pt; position: var(--position); top: 251.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);">1,437<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 209.25pt; position: var(--position); top: 251.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">437<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 254.25pt; position: var(--position); top: 251.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">529<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 299.25pt; position: var(--position); top: 251.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">490<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 251.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);">3,318<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 251.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-261<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 251.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">5,951<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 350.41pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Year ended 31 December 2023 compared to year ended 31 December 2022<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 362.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Without application of the EU &#8216;IAS 39 carve-out&#8217;, ING&#8217;s net result declined by EUR 7,986 million, or -66%, to <span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 375.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">EUR 4,140 million compared with EUR 12,126 million in 2022. The net result was affected by a EUR 3,147 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 387.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million negative contribution of fair value changes on derivatives related to asset-liability-management <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 399.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">activities for the mortgage and savings portfolios in the Benelux, Germany, France, Spain, and Italy, versus a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 411.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">EUR 8,451 million positive contribution in 2022. These fair value changes were mainly caused by changes in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 423.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">market interest rates. No hedge accounting is applied to these derivatives under IFRS-IASB.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 450.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s IFRS-EU net result (when applying the EU &#8216;IAS 39 carve-out&#8217;) increased to EUR 7,287 million from EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 462.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3,674 million in 2022. Our interest income benefited from the positive rate environment and expense <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 474.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">growth was limited, despite inflationary effects on staff expenses and continued investments in the growth <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 486.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of our business. Risk costs declined considerably and were well below the through-the-cycle average, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 498.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reflecting the quality of our loan book and our prudent credit risk management.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 525.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Total income increased 22% to EUR 22,575 million. Next to a positive rate environment, this was supported <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 537.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by a growing primary customer base and an increase in lending and deposits. In Retail Banking, we added <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 549.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">750,000 primary customers to reach a total of 15.3 million. Especially Germany, Spain and the Netherlands <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contributed to this growth. Net core lending growth (which is the increase in customer lending adjusted for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">currency impacts and excluding Treasury and the run-off portfolios) was EUR 8.6 billion in 2023, including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR 8.0 billion growth in our mortgage portfolio in a challenging housing market. Our diversified customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">deposit base was resilient. For the full-year 2023, net core deposits growth (which excludes FX impacts and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">movements in Treasury deposits) totalled EUR 10.6 billion, driven entirely by Retail Banking. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest income (NII) increased 16% to EUR 15,976 million, as we benefited from a positive interest rate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">environment. This was particularly visible in a strong increase of the liability NII. This increase was somewhat <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">offset by continued subdued loan demand, which impacted our lending NII. In addition, NII for Treasury and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Markets declined, but in each case this was more than compensated in other income. Net interest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">income in 2022 had included a EUR -343 million impact from new regulation in Poland for mortgages and a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">net TLTRO impact of EUR -87 million. ING&#8217;s full-year net interest margin rose to 1.56% in 2023 from 1.34% in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022. Excluding the impact of the Polish moratorium and TLTRO, the net interest margin showed an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">increase of 17 basis points&#160; year-on-year.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net fee and commission income grew only 0.3% to EUR 3,595 million, despite a strong growth in primary <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customers and pricing initiatives for payment packages. This is fully explained by limited demand for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mortgages, which led to lower mortgage brokerage volumes, and low trading levels in investment products.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Total investment and other income jumped to EUR 3,005 million in 2023 from EUR 1,219 million in 2022. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">was driven by strong results for Treasury and higher trading results in Financial Markets (both partly offset <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">by a lower net interest income). Other income in 2022 had included a hedge accounting impact of EUR -288 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million and EUR 165 million of impairments on our stake in TTB (TMBThanachart Bank), partly offset by a EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">125 million gain from the transfer of our investment business in France, a EUR 67 million gain from a legacy <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">entity in Belgium and EUR 38 million related to the sale of a non-performing loan portfolio in Spain.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses increased 3.3% to EUR 11,564 million. Expenses in 2023 included EUR 1,042 million of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 400.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory costs, a decline of EUR 208 million year-on-year due to a lower contribution to the Single <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Resolution Fund and because 2022 had included a EUR 99 million contribution to the Institutional Protection <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Scheme in Poland. Furthermore, expenses in 2023 included EUR 247 million of incidental items, largely <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">related to restructuring provisions and impairments, compared with EUR 325 million of incidental items in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 448.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022. Expenses excluding regulatory costs and incidental items increased by 6.8%. This increase was mostly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">driven by the effect of high inflation on staff expenses, while we also continued to invest in our business. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cost/income ratio improved significantly in 2023, to 51.2%, compared with 60.3% a year earlier.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 499.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net additions to loan loss provisions dropped to EUR 520 million, or eight basis points of average customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 511.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">lending, from EUR 1,861 million (29 basis points) in 2022. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 810.47pt; position: var(--position); text-decoration: none; white-space: pre;">Our strong asset quality and robust approach to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 523.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk management resulted in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 686.35pt; position: var(--position); text-decoration: none; white-space: pre;">limited new defaults and this was combined with effective recoveries. A net <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 535.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">addition of EUR 533 million on our Russia-related exposure in 2022 was followed by a net release of EUR 218 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 547.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million in 2023, m<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 634.71pt; position: var(--position); text-decoration: none; white-space: pre;">ainly as a result of continued reduction of our Russia-related exposure<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 948.04pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">76<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The effective tax rate in 2023 was 28.3%, down from 31.4% recorded in 2022 which had included non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">deductible impairments on TTB and higher non-deductible expenses in various countries.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Year ended 31 December 2022 compared to year ended 31 December 2021<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Without application of the EU 'IAS 39 carve-out', ING&#8217;s net result increased by EUR 6,175 million, or 103.8%, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to EUR 12,126 million compared with EUR 5,951 million in 2021. The net result was affected by a EUR 8,451 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million positive contribution of fair value changes on derivatives related to asset-liability-management <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">activities for the mortgage and savings portfolios in the Benelux, Germany, France, and Spain, versus EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1,174 million in 2021. These fair value changes were mainly caused by changes in market interest rates. No <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hedge accounting is applied to these derivatives under IFRS-IASB.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s IFRS-EU net result (when applying the EU &#8216;IAS 39 Carve-out&#8217;) declined to EUR 3,674 million from EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">4,776 million in 2021, fully due to higher net additions to loan loss provisions, which had been at a very low <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">level in 2021. The effective tax rate in 2022 was 31.4%, up from 27.7% in 2021. The higher effective tax rate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">was caused by the impact of the following non-deductible items for corporate income tax purposes in 2022: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hyperinflation accounting loss in T&#252;rkiye, impairments on TTB and interest expenses in various countries.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Income was supported by a growing primary customer base and an increase in lending and deposits. Our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">global retail customer base (excluding France, after the announced exit from the retail market) remained <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">flat at 37.2 million, but even more customers chose ING as their primary bank. In 2022, we gained 585,000 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">primary customers, bringing the total number to 14.6 million, which was 4% higher than at year-end 2021 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(excluding France). Net core lending growth (which is growth in customer lending adjusted for currency <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impacts and excluding Treasury and the run-off portfolios) was EUR 18.2 billion in 2022, and net core <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">deposits growth was EUR 25.1 billion.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In our profit or loss, we saw the benefits of the rising rate environment, which boosted net interest income. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This was on top of the structurally higher fee base, resulting from our efforts to diversify income. All these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 400.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">positive developments were largely offset, however, by several exceptional income items in 2022 (including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the impact of T&#252;rkiye hyperinflation, a mortgage moratorium in Poland and the unwinding of a deposits <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hedge in Belgium and our TLTRO-related derivative position), resulting in an income growth of 0.4% to EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">18,561 million.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 463.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest income rose 1.0% to EUR 13,756 million. The increase was driven by higher margins on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">liabilities, following the return of positive interest rates in 2022. This was only partly offset by lower margins <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on mortgages and other lending, as client rates generally track the higher cost of funds with a delay and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 499.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">prepayments on mortgages declined. After ECB&#8217;s decision to change the conditions for the TLTRO <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 511.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">programme, we had to unwind our TLTRO-related derivative position. Combined with the remaining TLTRO <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 523.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">benefit until 23 November 2022, this led to a net TLTRO impact of EUR -87 million compared to a net benefit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 535.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of EUR 483 million in 2021. Net interest income in 2022 also included a EUR -343 million impact from new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 547.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulation in Poland for mortgages. ING&#8217;s full year net interest margin declined to 1.34% from 1.39% in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2021. Excluding TLTRO in both years and the impact of the Polish moratorium, the net interest margin <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">showed an increase of 5 basis points year-on-year.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net fee and commission income rose 2.0% to EUR 3,586 million. Fee income for daily banking products <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">strongly increased, reflecting growth in primary customers, an increase in payment package fees and new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">service fees. Lending fees also increased, driven by lending growth in Wholesale Banking. This was partly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">offset by lower fees from investment products and from Global Capital Markets, reflecting adverse market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">conditions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Total investment and other income decreased to EUR 1,219 million in 2022 from EUR 1,359 million in 2021. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This included the largest part of the impact of T&#252;rkiye hyperinflation, EUR -288 million to unwind a macro <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">fair value hedge of deposits in Belgium (of which EUR -247 million in Retail Banking and EUR -41 million in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking) and EUR 165 million of impairments on our stake in TTB, while 2021 had included a EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">72 million recognition of a receivable recorded in Corporate Line. Other income in 2022 was supported by a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR 125 million gain from the transfer of our investment business in France, a EUR 67 million gain from a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">legacy entity in Belgium and income from the sale of a non-performing loan portfolio in Spain.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses increased by EUR 7 million, or 0.1%, to EUR 11,199 million. Expenses in 2022 included <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR 1,250 million of regulatory costs, slightly lower than in the previous year. Expenses in 2022 furthermore <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">included EUR 325 million of incidental items, largely related to restructuring provisions and impairments and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">also including EUR 75 million for adding the interest-on-interest effect to the compensation for customers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on certain Dutch consumer credit products. Incidental items in 2021 had amounted to EUR 522 million, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mainly reflecting a EUR 180 million provision for the compensation to Dutch customers with certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">consumer credit products and redundancy provisions and impairments related to the announced exit of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">retail banking markets in France and the Czech Republic. Excluding regulatory costs and incidental items, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expenses were up 2.3%, impacted by high inflation, which was mainly visible in staff costs. This was partly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">offset by continued cost-efficiency measures and earlier actions taken to change the footprint. The cost/<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 397.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">income ratio was 60.3% versus 60.5% in 2021.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net additions to loan loss provisions increased to EUR 1,861 million, or 29 basis points of average customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">lending, compared with only EUR 516 million, or 8 basis points, in 2021. Risk costs in 2022 were heavily <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 448.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">impacted by the Russian invasion in Ukraine, which led to a net addition of EUR 533 million on our Russia-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">related exposure. The remainder was mainly due to an increase in Stage 3 individual risk costs, particularly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in Wholesale Banking, and new overlays to reflect the risks from secondary impacts, such as an increase in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">energy prices, higher interest rates and inflation, as well as supply chain disruptions.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">77<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 0pt; position: var(--position); top: 0pt; width: 350.25pt;"><div><div style="line-height: 12pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Netherlands<span style="display: inline-block; height: 9pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27.75pt; width: 350.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 350.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Netherlands<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 42pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 42pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 42pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 42pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 54.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 67.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">3,096<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,888<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">3,290<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 80.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net fee and commission income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">959<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">892<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">771<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 93pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment income and other income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">945<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">417<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">201<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 105.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">5,001<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">4,196<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">4,262<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 131.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Expenditure:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 144pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 144pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,135<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 144pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,115<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 144pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,403<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 156.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Additions to the provision for loan losses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 156.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);">5<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 156.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">67<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 156.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-76<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 169.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total expenditure<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 169.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,140<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 169.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,182<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 169.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,326<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 195pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 195pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,861<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 195pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,014<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 195pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,936<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 207.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 207.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">740<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 207.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">540<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 207.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">499<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 220.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-controlling interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 220.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 220.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 220.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #929292; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 233.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-IASB<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #929292; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 233.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,121<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #929292; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 233.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,474<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #929292; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 233.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,437<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 330.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Year ended 31 December 2023 compared to year ended 31 December 2022<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The net result of Retail Netherlands increased by EUR 647 million, or 44%, to EUR 2,121 million in 2023 from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">EUR 1,474 million in 2022. The result before tax of Retail Netherlands increased 42% to EUR 2,861 million <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">from EUR 2,014 million in 2022. This was mainly driven by a 19% increase in total income while operating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">expenses were broadly flat and risk costs were minimal. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 405.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest income was EUR 3,096 million, or 7.2% higher than a year earlier, supported by a strong <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 417.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increase in liability margins. This was pa<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 218.46pt; position: var(--position); text-decoration: none; white-space: pre;">rtly offset, however, by lower Treasury-related interest income<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 498.66999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 429.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(compensated in other income), reflecting activities to benefit from favourable market opportunities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 441.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">through money market and FX transactions. Net fee and commission income rose by EUR 67 million, or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 453.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">7.5%, supported by higher fees for payment packages and new service fees. Investment and other income <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 465.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increased by EUR 528 million, driven by much higher Treasury-related income (that was partly offset by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 477.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">lower net interest income).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 504.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Net core lending (which excludes Treasury products and a EUR 0.4 billion decline in the Westland Utrecht <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 516.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Bank run-off portfolio) grew by EUR 2.3 billion, as EUR 2.6 billion growth in the mortgage portfolio more than <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 528.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">compensated for a EUR 0.3 billion decrease in other lending. Customer deposits (excluding Treasury) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 540.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">declined by EUR 1.6 billion, partially due to a shift from deposits to assets under management. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses amounted to EUR 2,135 million compared with EUR 2,115 million in 2022. Excluding EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">38 million lower regulatory costs and EUR 75 million of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 801.11pt; position: var(--position); text-decoration: none; white-space: pre;">incidental item<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 868.06pt; position: var(--position); text-decoration: none; white-space: pre;"> costs in 2022 (related to consumer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">credit products), expenses rose by EUR 133 million or 7.4%. This was primarily due to higher staff expenses, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reflecting the impact of a new collective labour agreement in 2023, and restructuring provisions. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The net addition to loan loss provisions was very low at EUR 5 million, down from EUR 67 million in the prior <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">year. Limited net additions in 2023 for the mortgage portfolio, including the impact of a methodology <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">update, were almost fully offset by a net release for the business lending portfolio.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Year ended 31 December 2022 compared to year ended 31 December 2021<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The net result of Retail Netherlands increased by EUR 37 million, or 2.6%, to EUR 1,474 million in 2022 from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR 1,437 million in 2021.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 229.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The result before tax of Retail Netherlands increased 4.0% to EUR 2,014 million from EUR 1,936 million in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2021. This increase was attributable to lower expenses, mainly due to lower incidental cost items, partly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 253.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">offset by lower income and limited risk costs, after a net release in 2021.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 280.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Total income declined by EUR 66 million to EUR 4,196 million, fully due to a net TLTRO impact of EUR -78 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 292.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million compared to a EUR 53 million benefit in 2021. Excluding TLTRO, income rose 1.5%. Net interest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 304.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">income excluding TLTRO declined 8.4% due to lower margins on lending products, reflecting the lengthening <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 316.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of the duration of the book and lower prepayment penalties. This was partly offset by higher liabilities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">income as margins improved and volumes increased. Net core lending (which excludes Treasury products <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and a EUR 0.8 billion decline in the Westland Utrecht Bank run-off portfolio) grew by EUR 3.0 billion in 2022, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of which EUR 2.2 billion was in residential mortgages and EUR 0.8 billion in other lending. Net core deposits <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">growth (excluding Treasury) was EUR 12.9 billion, mainly in savings accounts. Net fee and commission <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">income strongly increased by EUR 121 million, or 15.7%, mainly due to higher fee income from daily <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">banking products, supported by increased fees for payment packages and new service fees for business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 400.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">banking. Investment and other income rose by EUR 216 million, mainly attributable to higher results from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Treasury-related products.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 439.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses declined to EUR 2,115 million from EUR 2,403 million in 2021, mainly due to a drop in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 451.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">incidental cost items. 2022 included a EUR 75 million provision for adding the interest-on-interest effect to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 463.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the compensation for customers on certain Dutch consumer credit products, while 2021 had contained EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">289 million of incidental costs. Excluding these incidental items, expenses declined by EUR 73 million, or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">3.5%, mainly driven by lower staff and office-space-related expenses, as well as lower regulatory costs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 514.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The net addition to loan loss provisions was EUR 67 million, or 4 basis points of average customer lending, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 526.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compared to a net release of EUR 76 million, or -5 basis points, in the previous year. The limited net <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 538.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">additions in 2022 were mainly related to business lending and consumer lending, while risk costs for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 550.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mortgage portfolio were negligible.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">78<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 0pt; position: var(--position); top: 0pt; width: 350.25pt;"><div><div style="line-height: 12pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Belgium<span style="display: inline-block; height: 9pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27.75pt; width: 350.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 350.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Belgium<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 42pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 42pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 42pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 42pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 54.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 67.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,063<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,668<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,747<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 80.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net fee and commission income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">502<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">511<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">519<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 93pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment income and other income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">117<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-32<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">209<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 105.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,683<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,147<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,475<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 135.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Expenditure:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 148.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 148.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,852<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 148.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,786<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 148.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,667<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 161.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Additions to the provision for loan losses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 161.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">169<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 161.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">139<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 161.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">225<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 174pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total expenditure<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 174pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,022<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 174pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,924<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 174pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,892<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 204pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 204pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">661<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 204pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">223<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 204pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">583<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 216.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 216.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">182<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 216.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">72<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 216.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">146<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 229.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-IASB<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 229.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">479<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 229.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">151<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 229.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">437<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 328.66pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Year ended 31 December 2023 compared to year ended 31 December 2022<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The net result of Retail Belgium (including ING in Luxembourg) more than<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 366.59000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> t<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 372.74pt; position: var(--position); text-decoration: none; white-space: pre;">ripled to EUR 479 million in 2023 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 352.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">from EUR 151 million in 2022. The result before tax for Retail Belgium (which includes ING&#8217;s retail activities in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 364.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Luxembourg) jumped to EUR 661 million compared with EUR 223 million in 2022. The strong increase was <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 376.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">mainly due to growth in net interest income and the impact of one-off income items in the year before. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Total income rose by EUR 536 million, or 25%, to EUR 2,683 million. Net interest income increased by EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 400.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">395 million, or 24%, as higher income from liabilities more than compensated for the impact of lower <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">margins on mortgages due to higher funding costs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 439.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Net fee and commission income slipped 1.8% from a year earlier as higher fees on investment products, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 451.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reflecting an increase in assets under management, were offset by lower daily banking fees due to higher <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 463.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fees paid to brokers. Investment and other income in 2022 had included an impact of EUR -247 million to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">unwind a macro fair value hedge and a EUR 67 million gain from a legacy entity. Excluding the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">aforementioned two items, investment and other income declined by EUR 31 million, mainly reflecting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 499.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">lower Treasury-related income.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 526.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Customer lending (excluding Treasury) rose by EUR 1.4 billion, equally split over mortgages and other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 538.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">lending. Customer deposits (excluding Treasury) declined by EUR 1.3 billion, mainly due to customers buying <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 550.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">retail bonds issued by the Belgian government and a shift to assets under management.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses were EUR 1,852 million, up 3.7% on the year before. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 880.2pt; position: var(--position); text-decoration: none; white-space: pre;">This included EUR 76 million of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">incidental item costs related to restructuring <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 756.86pt; position: var(--position); text-decoration: none; white-space: pre;">and a further optimisation of the branch network, while 2022 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">had EUR 97 million of incidental item costs. Expenses excluding regulatory costs (which were EUR 33 million <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">lower year-on-year) and incidental items increased 8.4%. This was mainly due to the impact of automatic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">salary indexation on staff expenses.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The net addition to the provision for loan losses amounted to EUR 169 million, or 18 basis points of average <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customer lending, up from EUR 139 million in 2022. The increase year-on-year included the impact of model <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">updates for the mortgage and consumer lending portfolios in 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Year ended 31 December 2022 compared to year ended 31 December 2021<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The net result of Retail Belgium (including ING's retail operations in Luxembourg) declined by EUR 286 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million to EUR 151 million in 2022 from EUR 437 million in 2021.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The result before tax of Retail Belgium declined to EUR 223 million compared with EUR 583 million in 2021. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 253.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The decline was almost fully due to an impact of EUR -247 million to unwind a macro fair value hedge and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR 97 million of incidental expenses in 2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 292.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Income fell by EUR 328 million to EUR 2,147 million from EUR 2,475 million in 2021. Net interest income was <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 304.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">4.5% lower at EUR 1,668 million, including a net TLTRO impact of EUR -29 million compared to a EUR 76 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 316.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million benefit in 2021. Excluding TLTRO, interest result rose 1.6%, driven by higher liabilities income as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">margins improved, partly offset by margin compression on lending products due to higher funding costs. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net core lending (excluding Treasury) increased by EUR 3.6 billion in 2022, of which EUR 1.4 billion was in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mortgages, and EUR 2.2 billion in other lending. Net core deposits (excluding Treasury) were flat on 2021, as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">an increase in savings and deposits was offset by a decline in current accounts. Net fee and commission <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">income decreased by EUR 8 million, or 1.5%, as lower fees on investment products were only partly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compensated by price increases for payment packages. Investment and other income dropped by EUR 241 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 400.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million, due to the EUR -247 million impact of the hedge unwinding in 2022 and a EUR 25 million capital gain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on the sale of an associate in the prior year, partly offset by a EUR 67 million gain from a legacy entity in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 451.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses increased by EUR 119 million and included EUR 97 million of incidental costs which were <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 463.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mostly restructuring costs related to the optimisation of the branch network. Excluding these incidental <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">items, cost growth was limited to 1.3% as the impact of automatic salary indexation could largely be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compensated by FTE reductions and lower IT expenses.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 514.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The net addition to the provision for loan losses decreased to EUR 139 million, or 15 basis points of average <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 526.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customer lending. In 2021, the net addition had been EUR 225 million, equivalent to 25 basis points. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 538.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">decline year-on-year was driven by lower risk costs in the mortgage and consumer lending portfolios.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">79<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 0pt; position: var(--position); top: 0pt; width: 350.25pt;"><div><div style="line-height: 12pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Germany<span style="display: inline-block; height: 9pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27.75pt; width: 350.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 350.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Germany<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 42pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 42pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 42pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 42pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 54.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 67.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,862<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,666<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,447<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 80.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net fee and commission income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">357<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">437<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">497<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 93pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment income and other income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-67<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">69<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">65<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 105.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">3,152<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,172<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,009<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 135.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Expenditure:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 148.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 148.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,243<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 148.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,140<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 148.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,174<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 161.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Additions to the provision for loan losses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 161.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">119<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 161.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">131<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 161.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">49<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 174pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total expenditure<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 174pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,362<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 174pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,271<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 174pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,223<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 204pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 204pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,790<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 204pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">901<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 204pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">786<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 216.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 216.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">631<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 216.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">202<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 216.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">252<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 229.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-controlling interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 229.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 229.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);">3<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 229.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #929292; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 242.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-IASB<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #929292; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 242.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,159<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #929292; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 242.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">696<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #929292; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 242.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">529<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 341.41pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Year ended 31 December 2023 compared to year ended 31 December 2022<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 353.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The net result of Retail Germany increased by EUR 463 million, or 67%, to EUR 1,159 million in 2023 from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 365.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">EUR 696 million in 2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 392.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The result before tax for Retail Germany almost doubled to EUR 1,790 million compared with EUR 901 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 404.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million in 2022, mainly on the back of a 45% increase in total income. This was driven by a 72% growth in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 416.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">net interest income, supported by higher liability volumes at significantly improved margins, and by an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 428.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increase in interest income from treasury-related products and mortgages.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 455.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Net fee and commission income declined 18% to EUR 357 million. This reflected a decrease in fees from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">mortgages (due to lower brokerage volumes) and from investment products (due to a lower number of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 479.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">brokerage trades). Investment and other income decreased by EUR 136 million, largely due to lower <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 491.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Treasury-related revenues.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 518.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Net core lending growth (which excludes Treasury) was EUR 1.7 billion, consisting of EUR 1.4 billion growth in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 530.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the residential mortgages portfolio and EUR 0.3 billion growth in other lending. Customer deposits (excluding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 542.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Treasury) increased by EUR 8.5 billion following successful promotional campaigns to attract new savings <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 554.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and customers. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses rose 9.0% to EUR 1,243 million. This included EUR 96 million of regulatory costs (up EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">3 million from 2022) and EUR 20 million of incidental items for restructuring costs and staff allowances <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(compared with EUR 10 million in 2022). Excluding regulatory costs and incidental items, cost growth was <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">8.7% due to higher staff expenses related to annual salary increases, and higher marketing expenses and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">investments to support business growth. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net additions to loan loss provisions declined to EUR 119 million (12 basis points of average customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">lending) and were primarily related to consumer lending.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Year ended 31 December 2022 compared to year ended 31 December 2021<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The net result of Retail Germany (including ING's retail operations in Austria until the sale in December 2021) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">increased by EUR 167 million, or 31.6%, to EUR 696 million in 2022 from EUR 529 million in 2021.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 229.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The result before tax increased 14.6% to EUR 901 million compared with EUR 786 million in 2021, driven by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">higher income and lower expenses, partly offset by increased risk costs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 268.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Total income rose 8.1% to EUR 2,172 million from EUR 2,009 million in 2021. Net interest income increased <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 280.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">15.1%, supported by significantly higher margins on liabilities. The increase was only partly offset by lending <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 292.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">margin pressure, a EUR 35 million lower net TLTRO impact (EUR -19 million in 2022 compared to a EUR 16 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 304.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million benefit in 2021) and the impact of the discontinuation of ING&#8217;s Retail Banking activities in Austria in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 316.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the previous year. In 2022, net core lending growth (which excludes Treasury products and the Austrian run-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">off portfolio as from the second quarter of 2021) was EUR 6.1 billion, almost entirely in residential <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mortgages. Net core deposits rose by EUR 0.8 billion as a net outflow in the first half of the year was <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">followed by a strong inflow in the second half of the year. Net fee income declined by EUR 60 million, or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">12.1%, mainly in investment products after a record-high level in 2021, partly compensated by higher fees <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from daily banking. Investment and other income increased by EUR 4 million, as a EUR 26 million one-off <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">loss related to the transfer of our retail operations in Austria recorded in 2021 was partly offset by lower <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 400.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Treasury-related revenues in 2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 427.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses decreased by EUR 34 million, or 2.9%, to EUR 1,140 million in 2022, reflecting savings <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 439.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">following the discontinuation of the Austrian retail banking activities as well as lower regulatory costs due to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 451.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">an adjustment of the deposit guarantee contributions in 2022. These decreases were partly offset by higher <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 463.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">staff costs and an increase in marketing expenses to support customer growth, as well as EUR 10 million of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">incidental items for staff allowances and restructuring costs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 502.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net additions to loan loss provisions increased to EUR 131 million (13 basis points of average customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 514.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">lending) compared with only EUR 49 million (5 basis points) in 2021. Risk costs in 2022 were primarily <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 526.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">related to consumer lending.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">80<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 0pt; position: var(--position); top: 0pt; width: 350.25pt;"><div><div style="line-height: 12pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Other<span style="display: inline-block; height: 9pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27.75pt; width: 350.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 350.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Other<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 42pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 42pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 42pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 42pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 54.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 67.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">3,437<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,725<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,709<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 80.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net fee and commission income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">519<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">535<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">530<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 93pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment income and other income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">277<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">377<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">202<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 105.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">4,233<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">3,637<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">3,441<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 131.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Expenditure:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 144pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 144pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,479<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 144pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,509<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 144pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,442<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 156.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Additions to the provision for loan losses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 156.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">313<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 156.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">302<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 156.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">202<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 169.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total expenditure<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 169.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,792<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 169.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,812<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 169.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,644<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 195pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 195pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,441<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 195pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">825<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 195pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">797<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 207.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 207.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">359<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 207.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">254<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 207.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">209<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 220.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-controlling interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 220.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">174<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 220.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">47<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 220.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">98<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #929292; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 233.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-IASB<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #929292; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 233.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">908<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #929292; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 233.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">525<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #929292; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 233.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">490<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 330.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Year ended 31 December 2023 compared to year ended 31 December 2022<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Other consists of the Other Challengers &amp; Growth Markets. The net result of Retail Other increased to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">EUR 908 million in 2023 from EUR 525 million in 2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 381.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Following a change in governance, the Asian stakes (our investments in Bank of Beijing and TMBThanachart <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 393.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Bank) are reported in Corporate Line as of 2023 (with a profit before tax of EUR 185 million), whereas <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 405.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">previously they were reported in Retail Other. Comparable data have been adjusted accordingly.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 432.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Other&#8217;s result before tax increased 75% to EUR 1,441 million, from EUR 825 million in 2022, mainly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 444.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">thanks to higher interest income and lower regulatory costs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 471.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Total income rose 16% to EUR 4,233 million. Net interest income was up 26% to EUR 3,437 million, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 483.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">supported by improved margins on liabilities in a higher interest rate environment, and because 2022 had <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 495.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">included a EUR -343 million impact from the introduction of the Polish mortgage moratorium. This more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 507.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">than compensated negative currency impacts and tighter lending margins.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 534.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Net fee and commission income declined by EUR 16 million, or 3.0%, mainly due to lower fees on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 546.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investment products. This reflected subdued trading activity and the impact of ING&#8217;s exit from the French <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">retail market in 2022. Investment and other income in 2022 had included EUR 125 million income from the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transfer of our investment business in France to Boursorama (with another EUR 14 million recorded in 2023 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for the final settlement) and EUR 38 million of proceeds from the sale of a non-performing loan portfolio in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Spain. Excluding these specific income items, investment and other income increased by EUR 49 million, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mainly due to higher Treasury-related income. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net customer lending growth (adjusted for currency effects and Treasury) was EUR 4.3 billion in 2023, with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">growth in all countries, but particularly in Australia. Net core deposits growth (also excluding currency <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">impacts and Treasury) was EUR 12.9 billion, primarily driven by net inflows in Spain and Poland. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses in 2023 amounted to EUR 2,479 million. This included EUR 36 million of restructuring <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">costs and impairments, mainly for Poland. By comparison, 2022 had included EUR 51 million of incidental <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">item costs, mainly restructuring costs for France and the Philippines. Excluding these incidental items and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">much lower regulatory costs (as 2022 had included a EUR 99 million contribution to the Institutional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Protection Scheme in Poland), expenses increased by EUR 102 million or 4.9%. This was mainly due to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">inflationary pressure on staff expenses, partly offset by savings following the discontinuation of our retail <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">activities in France and the Philippines, and FX impacts in T&#252;rkiye. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The net addition to loan loss provisions amounted to EUR 313 million, or 29 basis points of average <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customer lending, compared with EUR 302 million in 2022. Risk costs in 2023 were primarily attributable to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">net additions in Poland and Spain, with Poland including EUR 67 million for adjustments to the <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 976.5799999999999pt; position: var(--position); text-decoration: none; white-space: pre;">expected <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">future cash flows of<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 643.04pt; position: var(--position); text-decoration: none; white-space: pre;"> CHF-indexed mortgages.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Year ended 31 December 2022 compared to year ended 31 December 2021<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Other consists of the Other Challengers &amp; Growth Markets. The net result of Retail Other increased to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR 525 million in 2022, from EUR 490 million in 2021.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 403.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Other&#8217;s result before tax increased to EUR 825 million, from EUR 797 million in 2021, mainly due to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 415.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">higher regulatory costs in Poland and higher risk costs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 442.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Total income rose by EUR 196 million to EUR 3,637 million. Net interest income was up 0.6% to EUR 2,725 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 454.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million, despite a EUR -343 million impact from new mortgage moratorium regulation imposed by the Polish <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 466.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">government. Excluding this impact, net interest income increased 13.3%. This increase mainly reflected <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 478.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">higher margins on liabilities, notably in Poland, Australia and Spain, following increases in central bank <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 490.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">interest rates. Interest income on lending products declined in most of the countries due to tighter lending <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 502.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">margins. Net customer lending (adjusted for currency effects, Treasury and the run-off portfolio in France as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 514.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from the second quarter of 2022) grew by EUR 3.2 billion in 2022, with growth in all countries. Net core <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 526.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">deposits growth (also adjusted for currency impacts and Treasury as well as the France run-off portfolio) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 538.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">was EUR 5.2 billion, primarily driven by net inflows in Spain, Australia and Poland. Net fee and commission <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 550.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">income rose by EUR 5 million to EUR 535 million, supported by higher daily banking and insurance fees. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">81<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">These increases were largely offset by lower fees from investment products, reflecting low stock markets <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and subdued trading activity and the impact of ING&#8217;s exit from the French retail market. Investment and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">other income rose to EUR 377 million and included EUR 125 million income from the transfer of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investment business in France. Excluding these exceptional income items, investment and other income <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increased by EUR 50 million, mainly due to higher Treasury-related income and the proceeds from the sale <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of a non-performing loan portfolio in Spain.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses rose by EUR 67 million, or 2.7%, to EUR 2,509 million. In 2022, expenses included EUR 51 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million of incidental items, mainly consisting of restructuring provisions related to the discontinuation of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">retail banking activities in France and the Philippines and the refocusing of our partnership for insurance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">propositions. 2021 had included EUR 166 million of incidental costs, mainly consisting of restructuring <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">provisions and impairments related to ING&#8217;s decision to exit the retail banking markets in France and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Czech Republic. Regulatory costs increased by EUR 100 million as 2022 contained a EUR 99 million <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">contribution to the new Institutional Protection Scheme in Poland. Excluding incidental items and regulatory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">costs, expenses increased by EUR 82 million, primarily attributable to inflationary pressure across all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">markets, investments in operational process improvements in Australia and EUR 21 million for a litigation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 259.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">provision in Spain.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The net addition to loan loss provisions amounted to EUR 302 million, or 28 basis points of average <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customer lending, in 2022. In the previous year this had been EUR 202 million, or 20 basis points. Risk costs <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in 2022 were primarily attributable to net additions in Poland and Spain.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 0pt; position: var(--position); top: 0pt; width: 350.25pt;"><div><div style="line-height: 12pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking<span style="display: inline-block; height: 9pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 27.75pt; width: 350.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 1.57pt; width: 350.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 39.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 350.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 51.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 63.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 350.25pt; position: var(--position); top: 63.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">4,028<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 395.25pt; position: var(--position); top: 63.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">4,260<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 63.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">4,151<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 75.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net fee and commission income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 350.25pt; position: var(--position); top: 75.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,259<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 395.25pt; position: var(--position); top: 75.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,217<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 75.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,197<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 87.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment income and other income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 350.25pt; position: var(--position); top: 87.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,771<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 395.25pt; position: var(--position); top: 87.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">849<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 87.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">568<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 99.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 350.25pt; position: var(--position); top: 99.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">7,057<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 395.25pt; position: var(--position); top: 99.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">6,325<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 99.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">5,916<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 123.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Expenditure:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 135.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 350.25pt; position: var(--position); top: 135.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">3,313<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 395.25pt; position: var(--position); top: 135.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">3,114<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 135.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">2,926<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 147.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Additions to the provision for loan losses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 350.25pt; position: var(--position); top: 147.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-92<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 395.25pt; position: var(--position); top: 147.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,220<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 147.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">117<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 159.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total expenditure<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 350.25pt; position: var(--position); top: 159.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">3,222<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 395.25pt; position: var(--position); top: 159.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">4,334<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 159.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">3,042<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 183.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 350.25pt; position: var(--position); top: 183.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">3,836<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 395.25pt; position: var(--position); top: 183.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,991<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 183.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,874<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 195.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 350.25pt; position: var(--position); top: 195.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">900<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 395.25pt; position: var(--position); top: 195.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">581<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 195.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);">703<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 207.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-controlling interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 207.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">61<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 207.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">52<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 207.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);">26<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 222pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-EU<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 350.25pt; position: var(--position); top: 222pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,875<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 395.25pt; position: var(--position); top: 222pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">1,358<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 222pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">2,144<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 234pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustment of the EU 'IAS 39 carve-out'<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 350.25pt; position: var(--position); top: 234pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-3,147<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 395.25pt; position: var(--position); top: 234pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">8,451<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 234pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);">1,174<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 246pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-IASB<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 350.25pt; position: var(--position); top: 246pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.17pt;"></span></span><span style="left: 22.8pt; position: var(--position);">-272<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 395.25pt; position: var(--position); top: 246pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">9,810<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 440.25pt; position: var(--position); top: 246pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);">3,318<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 342.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Year ended 31 December 2023 compared to year ended 31 December 2022<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Without application of the EU &#8216;IAS 39 carve-out&#8217;, ING&#8217;s net result of Wholesale Banking turned to a loss of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR -272 million in 2023, compared with a gain of EUR 9,810 million in 2022. The adjustment of the EU &#8216;IAS <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">39 carve-out&#8217;, included in the net result, was EUR -3,147 million in 2023, compared with EUR 8,451 million in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 577.54pt; position: var(--position); text-decoration: none; white-space: pre;">, due to fair value changes on derivatives related to asset-liability-management activities for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 402.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mortgage and savings portfolios in the Benelux, Germany, France, Spain, and Italy. These fair value changes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">were mainly a result of changes in market interest rates. No hedge accounting is applied to these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives under IFRS-IASB.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 453.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The IFRS-EU net result (when applying the EU &#8216;IAS 39 carve-out&#8217;) increased to EUR 2,875 million from EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 465.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1,358 million in 2022. In 2023, Wholesale Banking recorded strong results as higher income and significantly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 477.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">lower risk costs led to a 93% increase in result before tax, to &#8364;3,836 million. In 2023, the Wholesale Banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 489.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business was supported by strong capital management, which included steps to de-risk our portfolio and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 501.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">improve our book quality, for instance via sales initiatives and ongoing management of underperforming <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 513.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk-weighted assets (RWAs).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 540.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking posted double-digit income growth to come out at EUR 7,057 million, up 12% from EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 552.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">6,325 million in 2022. This was mainly driven by a 30% increase in income for Daily Banking &amp; Trade <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">82<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Finance, particularly in Payments &amp; Cash Management, Bank Mendes Gans and Working Capital Solutions, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">all of which benefited from the higher interest rate environment. And we managed to grow our income from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Trade Finance Services as we continued to support the activities and initiatives of our clients. Income from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Trade &amp; Commodity Finance declined as volumes were under pressure, reflecting lower commodity prices <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and lower economic activity.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In Lending we focused on further optimising our capital usage while decreasing risk-weights, prioritising own <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">origination of high-quality loans. Average asset volumes decreased, reflecting the weaker economic climate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and a continued reduction of our Russia-related exposure. This was more than compensated by a slightly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">higher interest margins and a 5.3% growth in fees and commissions, lifting total income for Lending 2.1% to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">EUR 3,224 million. Combined with a 7.0% reduction in risk-weighted assets, this led to a significant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">improvement in income over average risk-weighted assets .<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Markets' income increased by 4.4% to EUR 1,280 million. They recorded strong trading results, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">especially in Rates and Credits, as these desks benefited the most from market volatility and good client <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">flows. In addition, fee income was up by 55%, mainly reflecting higher Capital Markets issuance income.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Income from Treasury &amp; Other increased by EUR 121 million to EUR 401 million, driven by higher income <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">from Corporate Investments and Corporate Finance. The prior year had included high mark-to-market gains <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">from credit default positions but also a EUR -41 million hedge accounting impact in Belgium and a net TLTRO <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impact of EUR -51 million.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Total operating expenses increased 6.4% to EUR 3,313 million. Excluding lower regulatory costs and EUR 17 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million of restructuring costs (versus EUR 10 million of incidental items recorded in 2022) expense growth <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">was 7.6%. This reflected the impact of collective labour agreements, higher performance-related payments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and strategic investments for business expansion.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 403.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, a net release of EUR 92 million from loan loss provisions was recorded compared to a net addition <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 415.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of EUR 1,220 million in 2022. Risk costs in 2022 had been significantly impacted by the Russian invasion in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 427.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Ukraine, which then led to a net addition of EUR 533 million on our Russia-related exposure. In addition, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 439.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2022 had included an increase in Stage 3 individual risk costs, partly as a result of a more negative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 451.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">macroeconomic outlook. In 2023, EUR 218 million of provisions for our Russia-related portfolio could be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 463.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">released, mainly due to a reduction of our exposure. Moreover, Stage 3 risk costs were limited in 2023 as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">additions for specific files in the real estate portfolio were largely offset by recoveries from previously <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">provisioned files and secondary market sales.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 514.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Year ended 31 December 2022 compared to year ended 31 December 2021<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 526.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Without application of the EU 'IAS 39 carve-out', ING's net result of Wholesale Banking increased to EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 538.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">9,810 million in 2022 compared with EUR 3,318 million in 2021. The adjustment of the EU &#8216;IAS 39 carve-out&#8217;, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 550.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">included in the net result, was EUR 8,451 million in 2022, compared with EUR 1,174 million in 2021, due to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">fair value changes on derivatives related to asset-liability-management activities for the mortgage and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">savings portfolios in the Benelux, Germany, France, and Spain. These fair value changes were mainly a result <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of changes in market interest rates. No hedge accounting is applied to these derivatives under IFRS-IASB.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The IFRS-EU net result (when applying the EU &#8216;IAS 39 carve-out&#8217;) declined to EUR 1,358 million from EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2,144 million in 2021. Wholesale Banking turned in a strong commercial performance. This was fully offset, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">however, by a sharp increase in risk costs, partly due to the Russian invasion in the Ukraine and compared <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with an exceptionally low level in 2021. Therefore the net result was 36.7% lower at EUR 1,358 million. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">result before tax decreased 30.7% to EUR 1,991 million from EUR 2,874 million in 2021.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Total income rose 6.9% to EUR 6,325 million in 2022 compared with EUR 5,916 million in 2021, primarily <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reflecting income growth in Daily Banking &amp; Trade Finance and Financial Markets. Net interest income <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">increased by EUR 109 million, or 2.6%, driven by Payments &amp; Cash Management which benefited strongly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from higher interest rates. The increase was largely offset by a EUR 168 million lower net TLTRO impact <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(which was EUR 20 million in 2022 compared with EUR 188 million in the previous year) and lower interest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">income in Financial Markets. The net core lending book (adjusted for currency impacts and excluding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Treasury and the Lease run-off portfolio) grew by EUR 2.4 billion in 2022. Strong growth in Lending was <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">largely offset by a net outflow in Daily Banking &amp; Trade Finance and in Financial Markets. Net core deposits <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(excluding currency impacts and Treasury) increased by EUR 6.2 billion, primarily in Payments &amp; Cash <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Management. Net fee and commission income rose by EUR 20 million, or 1.7%, supported by strong fee <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">growth in Lending, which was largely offset by the impact of a lower deal flow in Global Capital Markets due <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to adverse market conditions. Investment and other income surged by EUR 281 million, mainly driven by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">higher trading results in Financial Markets, only partly offset by Treasury &amp; Other which included a EUR -41 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million hedge accounting impact in Belgium.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses increased 6.4% to EUR 3,114 million from EUR 2,926 million in 2021. Expenses in 2022 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">included EUR 38 million higher regulatory costs and EUR 10 million of incidental items mainly related to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 397.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">restructuring costs, while 2021 had included a EUR 44 million impairment on Payvision. Excluding these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 409.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">incidental items and regulatory costs, expenses increased 7.0%, of which 2.8% was FX impacts, reflecting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 421.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the weakening of the euro relative to other currencies. The remaining increase was mainly attributable to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">higher staff costs (due to CLA increases and indexation), partly mitigated by continued cost-efficiency <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 445.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">measures.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The addition to loan loss provisions was EUR 1,220 million, or 65 basis points of average customer lending, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">while in 2021 risk costs had been exceptionally low at EUR 117 million, or 7 basis points of average customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 496.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">lending. Risk costs in 2022 were significantly impacted by the Russian invasion in Ukraine, which led to a net <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 508.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">addition of EUR 533 million on our Russia-related exposure. The remainder was mainly due to an increase in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 520.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 3 individual risk costs, partly as a result of a more negative macroeconomic outlook.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">83<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Lending income increased slightly to EUR 3,157 million. Net interest income declined by EUR 17 million fully <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">due to a EUR 57 million lower net TLTRO impact. Excluding TLTRO, interest result increased 1.6% as higher <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">average volumes more than compensated for lower interest margins. Net fee and commission income <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increased by EUR 88 million or 19.3%, reflecting significantly higher fee income from several sectors. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Investment and other income declined by EUR 42 million, mainly due to negative fair value adjustments and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">secondary sales discounts.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Income from Daily Banking &amp; Trade Finance increased by EUR 352 million to EUR 1,662 million, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">predominantly driven by Payments &amp; Cash Management, which benefited strongly from higher interest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">rates, and furthermore supported by Bank Mendes Gans.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Income for Financial Markets increased by EUR 122 million to EUR 1,226 million, supported by higher trading <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">results, especially in forex and money markets which benefited from volatility on the markets following <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">interest rate hikes, the strengthening of the US dollar and inflationary pressure. Commission income <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">declined due to a lower deal flow in Global Capital Markets, reflecting a slowdown in the market.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Income for Treasury &amp; Other decreased by EUR 94 million due to a net TLTRO impact of EUR -51 million in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022 (compared to a benefit of EUR 4 million in the previous year), a EUR -41 million hedge accounting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">impact to unwind a macro fair value hedge in Belgium and a EUR 28 million gain on an investment in an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">associate recorded in 2021. This was partly offset by mark-to-market gains from credit default positions in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 217.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_1574"></div><div style="position: var(--position); top: 217.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 192.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="22" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 996pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 996pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Customer lending IFRS-IASB versus Customer lending IFRS-EU and Netcore lending growth by business line<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 192.75pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.75pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 307.5pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.39pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 422.25pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.35pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 537pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.49pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Other Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 651.75pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.75pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 53.19pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Line<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 881.25pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 92.05pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 192.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 192.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR billion<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 192.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 231pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 269.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 307.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 384pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 422.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 498.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 537pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 575.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 613.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 651.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 690pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 728.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 804.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 843pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 881.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 919.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 957.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 42.75pt; width: 192.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 192.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer lending IFRS-IASB (Loans and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 192.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">advances to customers excluding LLP)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 192.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">152,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 231pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">153,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 269.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-0,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 307.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">94,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 345.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">91,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 384pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">2,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 422.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">102,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 460.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">98,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 498.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">4,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 537pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">109,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 575.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">108,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 613.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">1,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 651.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">192,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 690pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">198,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 728.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-6,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 766.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 804.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 843pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 881.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">652,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 919.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">650,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 957.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">2,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66.75pt; width: 192.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 192.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remove impact of: EU 'IAS 39 carve out'<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 651.75pt; position: var(--position); top: 66.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">4,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 690pt; position: var(--position); top: 66.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">9,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 881.25pt; position: var(--position); top: 66.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">4,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 919.5pt; position: var(--position); top: 66.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">9,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 957.75pt; position: var(--position); top: 66.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-4,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 81pt; width: 192.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 192.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer lending IFRS-EU<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 192.75pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">152,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 231pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">153,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 269.25pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-0,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 307.5pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">94,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345.75pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">91,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 384pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">2,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 422.25pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">102,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">98,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 498.75pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">4,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 537pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">109,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 575.25pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">108,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 613.5pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">1,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 651.75pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">188,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 690pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">189,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 728.25pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-1,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 804.75pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 843pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 881.25pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">648,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 919.5pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">641,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 957.75pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">6,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 95.25pt; width: 192.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 192.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exclude: FX impact<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 613.5pt; position: var(--position); top: 95.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-0,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 728.25pt; position: var(--position); top: 95.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-2,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 843pt; position: var(--position); top: 95.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 957.75pt; position: var(--position); top: 95.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-2,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 109.5pt; width: 192.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 192.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exclude: Treasury, run-off portfolios and other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 269.25pt; position: var(--position); top: 109.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">3,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 384pt; position: var(--position); top: 109.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-1,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 498.75pt; position: var(--position); top: 109.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-2,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 613.5pt; position: var(--position); top: 109.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">3,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 728.25pt; position: var(--position); top: 109.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">3,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 843pt; position: var(--position); top: 109.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-0,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 957.75pt; position: var(--position); top: 109.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">4,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 123.75pt; width: 192.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 192.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net core lending growth<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 269.25pt; position: var(--position); top: 123.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">2,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 384pt; position: var(--position); top: 123.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">1,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 498.75pt; position: var(--position); top: 123.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">1,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 613.5pt; position: var(--position); top: 123.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">4,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 728.25pt; position: var(--position); top: 123.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-1,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 843pt; position: var(--position); top: 123.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 957.75pt; position: var(--position); top: 123.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">8,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position: var(--position); top: 375.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 196.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="22" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits IFRS-IASB versus Customer deposits IFRS-EU and Netcore deposits growth by business line<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.75pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.39pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 426pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.35pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 540.75pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.49pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Other Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 655.5pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.75pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 53.19pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Line<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 92.05pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR billion<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 234.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 426pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 464.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 502.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 540.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 655.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 808.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 923.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits IFRS-IASB<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">199,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 234.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">201,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-1,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">91,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">91,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-0,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 426pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">143,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 464.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">135,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 502.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">7,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 540.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">151,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">137,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">13,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 655.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">64,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">74,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-9,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 808.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">650,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 923.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">640,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">9,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remove impact of: EU 'IAS 39 carve out'<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 655.5pt; position: var(--position); top: 57pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693.75pt; position: var(--position); top: 57pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 57pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 923.25pt; position: var(--position); top: 57pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 57pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits IFRS-EU<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">199,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 234.75pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">201,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-1,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">91,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">91,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-0,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 426pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">143,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 464.25pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">135,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 502.5pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">7,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 540.75pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">151,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">137,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">13,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 655.5pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">64,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693.75pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">74,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-9,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 808.5pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">650,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 923.25pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">640,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">9,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exclude: FX impact<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 85.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 85.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-0,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 85.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 85.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exclude: Treasury, run-off portfolios and other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273pt; position: var(--position); top: 99.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-0,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 99.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-1,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 502.5pt; position: var(--position); top: 99.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 99.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-0,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 99.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">2,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 99.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 99.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">1,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net core deposits growth<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273pt; position: var(--position); top: 114pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-1,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 114pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-1,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 502.5pt; position: var(--position); top: 114pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">8,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 114pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">12,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 114pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-7,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 114pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 114pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">10,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">84<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 196.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="22" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Customer lending IFRS-IASB versus Customer lending IFRS-EU and Netcore lending growth by business line<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.75pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.39pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 426pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.35pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 540.75pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.49pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Other Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 655.5pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.75pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 53.19pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Line<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 92.05pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR billion<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 234.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 426pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 464.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 502.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 540.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 655.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 808.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 923.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 42.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer lending IFRS-IASB (Loans and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">advances to customers excluding LLP)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 196.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">153,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 234.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">154,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 273pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-0,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 311.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">91,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 349.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">89,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 387.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">1,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 426pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">98,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 464.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">97,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 502.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">1,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 540.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">108,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 579pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">106,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 617.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">1,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 655.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">198,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 693.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">182,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 732pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">16,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 770.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 808.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 846.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 885pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">650,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 923.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">630,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 961.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">20,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remove impact of: EU 'IAS 39 carve out'<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 655.5pt; position: var(--position); top: 66.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">9,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693.75pt; position: var(--position); top: 66.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-2,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 66.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">9,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 923.25pt; position: var(--position); top: 66.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-2,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 66.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.28pt; position: var(--position); text-decoration: none; white-space: pre;">11,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 81pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer lending IFRS-EU<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">153,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 234.75pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">154,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-0,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">91,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">89,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">1,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 426pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">98,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 464.25pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">97,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 502.5pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">1,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 540.75pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">108,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">106,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">1,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 655.5pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">189,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693.75pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">184,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">4,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 808.5pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">641,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 923.25pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">632,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 81pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">8,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 95.25pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exclude: FX impact<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 95.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-1,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 95.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">3,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 95.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 95.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">2,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 109.5pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exclude: Treasury and run-off portfolios<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273pt; position: var(--position); top: 109.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">3,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 109.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">1,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 502.5pt; position: var(--position); top: 109.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">4,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 109.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">2,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 109.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-6,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 109.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 109.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">6,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 123.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net core lending growth<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273pt; position: var(--position); top: 123.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">3,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 123.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">3,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 502.5pt; position: var(--position); top: 123.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">6,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 123.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">3,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 123.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">2,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 123.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 123.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">18,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position: var(--position); top: 222.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 196.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="22" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits IFRS-IASB versus Customer deposits IFRS-EU and Netcore deposits growth by business line<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.75pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.39pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 426pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.35pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 540.75pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.49pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking Other Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 655.5pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.75pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 53.19pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Line<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 114.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 92.05pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR billion<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 234.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 426pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 464.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 502.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 540.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 655.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 808.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 923.25pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 28.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.3pt; position: var(--position); text-decoration: none; white-space: pre;">change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits IFRS-IASB<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">201,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 234.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">185,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">15,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">91,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">91,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 426pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">135,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 464.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">134,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 502.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">1,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 540.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">137,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">141,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-3,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 655.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">74,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">64,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">10,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 808.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">640,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 923.25pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">617,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">23,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remove impact of: EU 'IAS 39 carve out'<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 655.5pt; position: var(--position); top: 57pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693.75pt; position: var(--position); top: 57pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 57pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 923.25pt; position: var(--position); top: 57pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 57pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-0,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits IFRS-EU<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">201,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 234.75pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">185,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">15,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">91,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">91,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 426pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">135,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 464.25pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">134,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 502.5pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">1,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 540.75pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">137,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">141,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">-3,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 655.5pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">74,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693.75pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">64,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">10,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 808.5pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">640,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 923.25pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.5pt; position: var(--position); text-decoration: none; white-space: pre;">617,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">23,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exclude: FX impact<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 85.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-2,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 85.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 85.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 85.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-1,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exclude: Treasury and run-off portfolios<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273pt; position: var(--position); top: 99.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-2,5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 99.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-0,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 502.5pt; position: var(--position); top: 99.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-0,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 99.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.28pt; position: var(--position); text-decoration: none; white-space: pre;">11,3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 99.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.99pt; position: var(--position); text-decoration: none; white-space: pre;">-4,7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 99.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 99.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.34pt; position: var(--position); text-decoration: none; white-space: pre;">3,4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net core deposits growth<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273pt; position: var(--position); top: 114pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">12,9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 114pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 502.5pt; position: var(--position); top: 114pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0,8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 617.25pt; position: var(--position); top: 114pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">5,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 732pt; position: var(--position); top: 114pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">6,2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 114pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.98pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 961.5pt; position: var(--position); top: 114pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.74pt; position: var(--position); text-decoration: none; white-space: pre;">25,1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">85<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_1561"></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">B.<span style="display: inline-block; height: 12pt; width: 22.66pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Liquidity and capital resources<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING believes that its working capital is sufficient for its present requirements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 126.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For information regarding our material short and long- term cash requirements from known contractual and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 138.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">other obligations, see &#8220;Additional information &#8211; ING Group Risk Management section Funding and liquidity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 150.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk&#8221; and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 81.27pt; position: var(--position); text-decoration: none; white-space: pre;">Note 47 'Capital management'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 218.77pt; position: var(--position); text-decoration: none; white-space: pre;"> in the consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 177.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For information on legal or economic restrictions on the ability of subsidiaries to transfer funds to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 189.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">company in the form of cash dividends, loans or advances, see <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 322.69000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">Note 19 'Equity'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 393.65pt; position: var(--position); text-decoration: none; white-space: pre;"> in the consolidated financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 201.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 228.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For information on the maturity profile of borrowings and a further description of the borrowings, please see <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 240.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Note 17 'Debt securities in issue'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 184.03pt; position: var(--position); text-decoration: none; white-space: pre;">, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 188.94pt; position: var(--position); text-decoration: none; white-space: pre;">Note 18 'Subordinated loans'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 318.04999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 340.28999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">Note 38 'Liabilities and off-balance sheet <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 252.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">commitments by maturity'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 161.69pt; position: var(--position); text-decoration: none; white-space: pre;"> in the consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 279.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For information on currency and interest rate structure, see &#8220;Additional information &#8211; ING Group Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 291.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Management section Market risk&#8221; and &#8220;Additional information &#8211; ING Group Risk Management section <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 303.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Funding and liquidity risk&#8221;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 330.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For information on the use of financial instruments for hedging purposes, please see <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 418.75pt; position: var(--position); text-decoration: none; white-space: pre;">Note 36 'Derivatives <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 342.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and hedge accounting'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 142.70999999999998pt; position: var(--position); text-decoration: none; white-space: pre;"> in the consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 369.11pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 0pt; position: var(--position); top: 0pt; width: 350.25pt;"><div><div style="line-height: 12pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group Consolidated Cash Flows<span style="display: inline-block; height: 9pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27.75pt; width: 350.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 1.94pt; width: 350.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">cash and cash equivalents<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 40.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 53.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Treasury bills and other eligible bills included in securities at AC<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 53.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:TreasuryBillsAndOtherEligibleBills" scale="6" id="f-92">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 53.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:TreasuryBillsAndOtherEligibleBills" scale="6" id="f-93">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 53.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:TreasuryBillsAndOtherEligibleBills" scale="6" id="f-94">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deposits from banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:IncludedInCashAndCashEquivalentsOfDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-95">5,132</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:IncludedInCashAndCashEquivalentsOfDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-96">6,172</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:IncludedInCashAndCashEquivalentsOfDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-97">7,059</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 80.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:IncludedInCashAndCashEquivalentsOfLoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-98">7,931</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:IncludedInCashAndCashEquivalentsOfLoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-99">13,948</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:IncludedInCashAndCashEquivalentsOfLoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-100">8,181</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 93pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and balances with central banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-101">90,214</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-102">87,614</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-103">106,520</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 105.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and cash equivalents at end of year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-104">93,012</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-105">95,391</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-106">107,665</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.61pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Year ended 31 December 2023 compared to year ended 31 December 2022<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Net cash flow from operating activities amounts to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 289.85pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-107">11,340</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 326.64pt; position: var(--position); text-decoration: none; white-space: pre;">million for the year-end 2023, compared to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 60.19pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-108">11,112</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 96.97999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">million for the year-end 2022. The lower in cash flow from operating activities of EUR -228 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million in 2023 is explained by higher cash outflows for trading assets and liabilities (EUR -11,714 million), <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">loans and deposits to/from customers (EUR -3,063 million), taxation paid (EUR -1,227), lower cash inflows <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from result before tax, after adjustment for non cash items (EUR -4,301 million) offset by <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 953.71pt; position: var(--position); text-decoration: none; white-space: pre;">higher<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 982.31pt; position: var(--position); text-decoration: none; white-space: pre;"> cash inflows <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from loans and deposits to/from banks (EUR 13,701 million) and non-trading derivatives (EUR 7,878 million).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net cash flow from investing activities amounts to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 801.85pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-109">8,545</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 833.01pt; position: var(--position); text-decoration: none; white-space: pre;">million for the year-end 2023 compared to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 575.24pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-110">5,307</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 606.4pt; position: var(--position); text-decoration: none; white-space: pre;">million in 2022. The net cash flow from investing activities decreased by EUR -3,238 million and is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">explained by a net decrease from Financial assets at fair value through OCI of EUR -3,802 million and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">increase from Securities at amortised costs of EUR 619 million.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net cash flow from financing activities amounts to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 802.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-111">18,404</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 836.03pt; position: var(--position); text-decoration: none; white-space: pre;">million in 2023, compared to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 986.77pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-112">4,649</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million in 2022. The increase of EUR 13,755 million is explained by a net increase of EUR 15,999 million of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">debt securities partly offset by a net decrease of EUR -562 million of Subordinated loans and higher dividend <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and repurchases of treasury shares of EUR -1,688 million in 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The operating, investing and financing activities described above result in a decrease of EUR -2,379 million in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 253.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cash and cash equivalents to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 707.21pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-113">93,012</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 740.27pt; position: var(--position); text-decoration: none; white-space: pre;">million at year end 2023 including exchange rate effect on cash <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and cash equivalents of EUR -898 million.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 292.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Year ended 31 December 2022 compared to year ended 31 December 2021<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 304.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net cash flow from operating activities amounts to EUR -11,112 million for the year-end 2022, compared to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR -14,943 million for the year-end 2021. The increase in cash flow from operating activities of EUR 3,830 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million in 2022 is explained by higher cash inflows from results before tax (EUR 8,973 million), trading <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">liabilities (EUR 17,571 million), customer deposits (EUR 14,717 million) and lower cash inflows from deposits <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from banks (EUR -35,414 million).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net cash flow from investing activities amounts to EUR -5,307 million for the year-end 2022 compared to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR 6,220 million in 2022. The net cash flow from investing activities decreased by EUR 11,527 million and is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">explained by a net decrease from Financial assets at fair value through OCI of EUR 8,842 million and from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Securities at amortised costs of EUR 2,696 million. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net cash flow from financing activities amounts to EUR 4,649 million in 2022, compared to EUR 5,387 million <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in 2021. The decrease of EUR 738 million is explained by a net increase of EUR 900 million of debt securities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">offset by a net decrease of EUR 821 million of Subordinated loans and higher dividend and repurchases of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">treasury shares of EUR 821 million in 2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The operating, investing and financing activities described above result in a decrease of EUR -12,274 million <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in cash and cash equivalents to EUR 95,391 million at year end 2022 including exchange rate effect on cash <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and cash equivalents of EUR -504 million.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">86<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">C. <span style="display: inline-block; height: 12pt; width: 19.03pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Research and development, patents and licenses, etc.<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 84.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Not applicable.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 123.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">D. <span style="display: inline-block; height: 12pt; width: 17.68pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Trend information<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For information regarding trend information, see Item 5.A of this Form 20-F.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 181.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">E. <span style="display: inline-block; height: 12pt; width: 19.4pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Critical Accounting Estimates<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 200.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 136.95pt; position: var(--position); text-decoration: none; white-space: pre;">Note 1 'Basis of preparation and material accounting policy information'<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 459.67999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> to the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 220.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consolidated financial statements for detailed information on Critical Accounting Estimates.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">87<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_46"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Item 6. Directors, Senior Management and Employees<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 147.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">A.<span style="display: inline-block; height: 12pt; width: 21.68pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Directors and senior management<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 16pt; position: var(--position); top: 186.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 223.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Roles and responsibilities <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 246.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Executive Board is entrusted with the management of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 302.71000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">ING Group and its subsidiaries and is responsible </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 258.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">for the continuity and long-term value creation of ING.</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 283.40999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"> This includes the day-to-day management of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 270.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business and the setting of the strategy of ING, which responsibility is vested in the members of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 282.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board collectively. The organisation, main roles and responsibilities of the Executive Board are set <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 294.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">out in the Management Board Charter, which is available on ing.com.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 321.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Executive Board performs its activities under the supervision of the Supervisory Board. The Articles of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 333.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Association, the Management Board Charter and the Supervisory Board Charter, which are available on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 345.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ing.com, outline which resolutions of the Executive Board are subject to approval by the Supervisory Board.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 372.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group indemnifies the members of the Executive Board against direct financial losses in connection with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 384.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">claims from third parties filed, or threatened to be filed, against them by virtue of their service as a member <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 396.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the Executive Board, as far as permitted by law, on the conditions laid down in the Articles of Association <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 408.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and their commission contract. ING Group has taken out liability insurance for the members of the Executive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 420.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Board.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 450.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Composition and diversity<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 473.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group aims to have an adequate and balanced composition of its Executive Board, with a diverse <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 485.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">selection of persons with knowledge, skills and executive experience, preferably gained in the banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 497.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sector, experience in corporate governance of large stock-listed companies and experience in the political <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 509.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and social environment in which such companies operate. In the selection of the members of the Executive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 521.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Board, ING strives for a balance in nationality, gender, and educational and work background. In addition, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 533.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">there should be a balance of experience and affinity with the nature and culture of the business of ING. We <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 545.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">believe that diverse leadership at the level of the Executive Board fosters a diversity of views and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">experiences and facilitates independent opinions and sound decision-making, which has a positive impact <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on ING's business. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 637.51pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">The Gender Diversity Act requires ING to set appropriate and ambitious targets for gender </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">diversity in its Executive Board and senior management. In addition, there should be a balance of experience </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">and affinity with the nature and culture of the business of ING. Factors such as nationality, gender, age and </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">education are also taken into account for the composition of the Executive Board. ING applies a gender </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">diversity target of at least 30 percent to the Executive Board, which was met over 2023. Also, the Executive </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Board had an international composition in 2023, with one board member of Dutch nationality and two </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">board members with other nationalities.</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 735.22pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Supervisory Board is responsible for selecting and nominating candidates to be appointed or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reappointed to the Executive Board by the General Meeting, among others based on the Executive Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">profile, which is available on ing.com. The Supervisory Board regularly assesses the composition and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">functioning of the Executive Board. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Part of this process are the following two topics:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 328.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.0200000000001pt; position: var(--position); text-decoration: none; white-space: pre;">1.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.19pt; position: var(--position); text-decoration: none; white-space: pre;">Bench strength and succession planning for Executive Board positions are continuous attention points.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 340.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.19pt; position: var(--position); text-decoration: none; white-space: pre;">Potential internal candidates for such roles may be complemented with potential talent from outside <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 352.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.19pt; position: var(--position); text-decoration: none; white-space: pre;">ING.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 364.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.0200000000001pt; position: var(--position); text-decoration: none; white-space: pre;">2.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.19pt; position: var(--position); text-decoration: none; white-space: pre;">A long-term view is taken on the composition of the Executive Board, which, for example, means that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 376.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.19pt; position: var(--position); text-decoration: none; white-space: pre;">steps are taken to improve the development path of women within ING and the appointment of women <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.19pt; position: var(--position); text-decoration: none; white-space: pre;">in senior positions throughout the organisation, in line with ING's D&amp;I policy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 415.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">See more information on diversity, including on gender diversity in senior management, in the paragraphs </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 427.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">on Unlocking our people's full potential in 'How we are making the difference'. For more informa</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 983.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">tion on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 439.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">composition of the Executive Board, see 'Our leadership'.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">88<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Appointment, suspension and dismissal<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Members and proposed members of the Executive Board are appointed, suspended and dismissed by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">General Meeting. Candidates for appointment to the Executive Board are assessed by the Dutch Central <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 111.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Bank (DNB) and the European Central Bank (ECB) for suitability and integrity and must continue to meet <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 123.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">these criteria while in function.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 150.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For the appointment of Executive Board members, the Supervisory Board may draw up a binding list of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 162.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">candidates, which may be rendered non-binding by the General Meeting. A resolution of the General <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 174.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Meeting to render this list non-binding, or to suspend or dismiss Executive Board members without this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 186.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">being proposed by the Supervisory Board, requires an absolute majority of the votes cast. Additionally, this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 198.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">majority must represent more than half of the issued share capital. This quorum requirement cannot be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 210.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">waived in a second general meeting. This ensures that such significant shareholder proposals cannot be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 222.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adopted in a general meeting with a low attendance rate and can only be adopted with substantial support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 234.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of ING Group&#8217;s shareholders.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 264.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration and share ownership<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 287.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Details of the remuneration of members of the Executive Board, including shares granted to them, are set <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 299.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">out in the &#8216;Remuneration report&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 326.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Members of the Executive Board are permitted to hold shares in the share capital of ING Group for long-term </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 338.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">investment purposes. Transactions by members of the Executive Board in these shares need to comply with </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 350.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">the ING regulations for insiders, which are available on ing.com.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 380.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Relevant positions pursuant to CRD IV / conflicting interests<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 403.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Members of the Executive Board may hold other positions outside ING. No member of the Executive Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 415.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">had corporate directorships relevant under Capital Requirements Directive 4 (CRD IV) outside ING throughout <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 427.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 454.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Members of the Executive Board are to report any conflict of interest (including potential conflicts of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 466.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest) to the chairperson of the Executive Board and the other Executive Board members, and shall <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 478.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">provide all relevant information. The Executive Board, excluding the member concerned, decides whether a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 490.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">conflict of interest exists.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 517.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In case of a conflict of interest, the relevant member of the Executive Board abstains from discussions and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 529.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">decision-making on the topic or the transaction in relation to which they have a conflict of interest with ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 541.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Group.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Transactions involving actual or potential conflicts of interest<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">There were no transactions reported in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 731.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">2023 </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 756.35pt; position: var(--position); text-decoration: none; white-space: pre;">in which there were conflicts of interest with Executive Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">members that are of material significance to ING Group and/or to the relevant board members.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 126.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">If a member of the Executive Board obtains financial products and services, other than loans, which are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 138.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">provided by subsidiaries of ING Group in the ordinary course of business on terms that apply to employees, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 150.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">this is not considered a significant conflict of interest and is therefore not reported. Banking and financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 162.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">products in which the granting of credit is of a secondary nature, e.g. credit cards and overdrafts in current <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 174.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">account, are not considered a loan for this purpose and are therefore not disclosed in the<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 952.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> &#8216;Remuneration </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 186.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">report&#8217;</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 584.72pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">. For an overview of loans granted to members of the Executive Board, please see</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 947.31pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> &#8216;Remuneration </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 198.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">report&#8217;. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">89<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Information on the members of the Executive Board (and Management Board Banking) on 31 December 2023<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="position: var(--position); top: 96.71pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g3.jpg" alt="Our leadership_Jane-02 (1).jpg" style="height: 426.87pt; width: 1000.06pt;"/></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">90<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_49"></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 102.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Roles and responsibilities <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Supervisory Board supervises and advises the Executive Board and oversees the activities of ING and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business connected with it. The responsibility for supervising and advising the Executive Board is vested in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the members of the Supervisory Board collectively. The organisation, powers and modus operandi of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board are set out in the Charter of the Supervisory Board, available on ing.com.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In performing their duties, members of the Supervisory Board are required to: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Be guided by the interests of ING and the business connected with it, thereby carefully balancing the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 212.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">interests of all stakeholders of ING and in this consideration give paramount importance to the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 225.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">customer&#8217;s interest, as set out in the Dutch Banker&#8217;s Oath; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 238.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Foster a culture focused on sustainable long-term value creation, financial and non-financial risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 251.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">awareness, compliance with ING&#8217;s risk appetite, responsible and ethical behaviour, and stimulate <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 263.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">openness and accountability within ING and its subsidiaries;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 276.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Act without mandate and independent of any interest in the business of ING;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 289.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Ensure that the Supervisory Board functions effectively. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 317.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Articles of Association, the Management Board Charter and the Supervisory Board Charter outline which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 329.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">resolutions of the Executive Board are subject to approval by the Supervisory Board.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 356.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In accordance with the Articles of Association, ING Group indemnifies the members of the Supervisory Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 368.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as far as legally permitted against direct financial losses in connection with claims from third parties filed or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 380.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">threatened to be filed against them by virtue of their service as a member of the Supervisory Board.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 410.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Composition and diversity<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group aims to have an adequate and balanced composition of its Supervisory Board, with a mix of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 445.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">persons with knowledge, skills and executive experience, preferably gained in the banking sector, experience <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 457.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in corporate governance of large stock-listed companies, and experience in the political and social <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 469.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">environment in which such companies operate. In the selection of the members of the Supervisory Board, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 481.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING strives for a balance in nationality, gender, and educational and work background. In addition, there <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 493.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">should be a balance of experience and affinity with the nature and culture of the business of ING. We believe <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 505.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that diverse leadership at the level of the Supervisory Board fosters a diversity of views and experiences and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 517.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">facilitates independent opinions and sound decision-making, which has a positive impact on ING's business. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 529.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">According to the Gender Diversity Act, ING is required to comply with a gender-diversity quota of one third </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 541.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">male and one third female for its Supervisory Board. In 2023, the Supervisory Board consisted of two third </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 553.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">male and one third female. We believe the Supervisory Board is also well balanced in terms of other relevant </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">diversity aspects. Also, the Supervisory Board had an international composition in 2023, with five persons of </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Dutch nationality and four persons with other nationalities. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Supervisory Board is responsible for selecting and nominating candidates for appointment or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reappointment to the Supervisory Board, among others based on the Supervisory Board profile, which is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">available on ing.com. The Supervisory Board regularly assesses its composition. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING believes that former members of the Executive Board can make a valuable contribution to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board. Therefore, also taking into account the size of the Supervisory Board and ING&#8217;s wide <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">range of activities, they may become members of the Supervisory Board of ING Group, but not in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">position of chairperson or vice-chairperson. Former Executive Board members must wait at least one year <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">before becoming eligible for appointment to the Supervisory Board.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 229.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">After a former member of the Executive Board has been appointed to the Supervisory Board, this member <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">may also be appointed to one of the Supervisory Board&#8217;s committees. Appointment to the Audit Committee <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 253.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">is only possible if the individual in question resigned from the Executive Board at least three years prior to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">such appointment. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 641.8pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 295.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Appointment, suspension and dismissal<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 318.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Members of the Supervisory Board are appointed, suspended and dismissed by the General Meeting.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 345.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For the appointment of Supervisory Board members, the Supervisory Board may draw up a binding list of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 357.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">candidates, which may be rendered non-binding by the General Meeting. A resolution of the General <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 369.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Meeting to render this list non-binding, or to suspend or dismiss Supervisory Board members without this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 381.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">being proposed by the Supervisory Board, requires an absolute majority of the votes cast. Additionally, this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 393.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">majority must represent more than half of the issued share capital. The quorum requirement cannot be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 405.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">waived in a second general meeting. This ensures that such significant proposals of shareholders cannot be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 417.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adopted in a general meeting with a low attendance rate and can only be adopted with substantial support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 429.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of ING Group&#8217;s shareholders.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 456.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Candidates for appointment to the Supervisory Board are assessed by DNB and ECB for suitability and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 468.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reliability and must continue to meet these criteria while in function.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 498.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Term of appointment of the Supervisory Board members<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 521.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As a general rule, Supervisory Board members step down from the Supervisory Board after the fourth <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 533.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">anniversary of their last appointment or reappointment. They are eligible for reappointment in the fourth <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 545.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">year after their initial appointment and, with explanation, also in the eighth and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 914.26pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">tenth years.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">91<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Supervisory Board may deviate from this general rule under special circumstances and with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">explanation, for instance to maintain a balanced composition of the Supervisory Board and/or to preserve <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">valuable expertise and experience. The retirement schedule is available on ing.com.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 118.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Relevant positions pursuant to CRD IV / conflicting interests<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Members of the Supervisory Board may hold other positions outside ING, including directorships, either paid<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 153.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">or unpaid. CRD IV restricts the total number of supervisory board positions or non-executive directorships <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 165.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with predominantly commercial organisations that may be held by a Supervisory Board member to four, or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 177.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to two, if the Supervisory Board member also has an executive board position. The ECB may, under special <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 189.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">circumstances, permit a Supervisory Board member to fulfil an additional supervisory board position or non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 201.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">executive directorship. Positions with, inter alia, subsidiaries or qualified holdings are not taken into account <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 213.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in the application of these restrictions. Such positions may not conflict with the interests of ING Group. It is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 225.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the responsibility of the individual member of the Supervisory Board and the Supervisory Board collectively <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 237.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to ensure that the directorship duties are performed properly and are not affected by any other positions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 249.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that the individual may hold outside ING Group. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 276.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Members of the Supervisory Board are to report any conflict of interest (including potential conflicts of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 288.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest) to the chairperson of the Supervisory Board (or, in the case of the chairperson, to the vice-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 300.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">chairperson) and to the other Supervisory Board members, and shall provide all relevant information. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 312.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board, excluding the member concerned, decides whether a conflict of interest exists.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 339.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In case of a conflict of interest, the relevant member of the Supervisory Board abstains from discussions and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 351.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">decision-making on the topic or the transaction in relation to which they a conflict of interest with ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 363.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Group.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 393.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Transactions involving actual or potential conflicts of interest<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 416.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">There were no transactions reported in 2023 in which there were conflicts of interest with Supervisory Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 428.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">members that are of material significance to ING Group and/or to the relevant board members.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 455.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">If a member of the Supervisory Board obtains financial products and services, other than loans, which are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">provided by ING Group subsidiaries in the ordinary course of business on terms that apply to employees, this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 479.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">is not considered to be a material conflicting interest. Banking and financial products in which the granting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 491.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of credit is of a secondary nature, e.g. credit cards and overdrafts in current account are not considered a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 503.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">loan for this purpose and are therefore not disclosed<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 274.2pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> in the </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 304.73pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="background-color: inherit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_55">&#8216;Remuneration report&#8217;</a><span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 403.15pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">. For a</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 430.17999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">n overview of loans <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 515.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">granted to members of the Supervisory Board, see the &#8216;Remuneration report&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Independence<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 81.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">All Supervisory Board members, with the exception of no more than one person, should<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 945.3499999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 948.6800000000001pt; position: var(--position); text-decoration: none; white-space: pre;">qualify as <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 98.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">independent as defined in the best practice provision 2.1.8 of the Dutch Corporate Governance Code. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 110.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">members of the Supervisory Board are therefore requested to assess annually whether or not they are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 122.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">independent as set out in the Dutch Corporate Governance Code and to confirm this in writing. On this basis, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 134.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the Supervisory Board confirms that all members of the Supervisory Board are to be regarded as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 146.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">independent on 31 December 2023. On this date all members of the Supervisory Board were also to be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 158.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regarded as independent within the meaning of the NYSE listing standards. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 188.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">C</span><span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 563.15pt; position: var(--position); text-decoration: none; white-space: pre;">ommittees of the Supervisory Board<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">On 31 December 2023, the Supervisory Board had five committees: the Risk Committee, the Audit </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Committee, the Nomination &amp; Corporate Governance Committee, the Remuneration Committee, and the </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">ESG Committee (ad hoc).</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Separate charters have been drawn up for the Risk Committee, the Audit Committee, the Nomination &amp; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Governance Committee, and the Remuneration Committee. Terms of reference have been drawn <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">up for the ESG Committee. These charters and terms of reference are available on ing.com. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 316.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration and share ownership <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration of the members of the Supervisory Board is determined by the General Meeting and does not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">depend on the results of ING Group. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 716.81pt; position: var(--position); text-decoration: none; white-space: pre;"> Members of the Supervisory Board are permitted to hold shares in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">share capital of ING Group for long-term investment purposes. Details are given in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 922.78pt; position: var(--position); text-decoration: none; white-space: pre;">the &#8216;Remuneration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">report&#8217;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 584.72pt; position: var(--position); text-decoration: none; white-space: pre;">. Transactions by members of the Supervisory Board in these shares need to comply with the ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">insider regulations, which are available on ing.com.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">92<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Information on the members of the Supervisory Board on 31 December 2023<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="position: var(--position); top: 96.71pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g4.jpg" alt="Our leadership_Jane-01 (1).jpg" style="height: 430.67pt; width: 1000.06pt;"/></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">93<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">B. Compensation<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 27pt; position: var(--position); top: 124.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration<span style="display: inline-block; height: 20.25pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 212.75pt; position: var(--position); text-decoration: none; white-space: pre;"> report<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 186.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">While 2023 was a challenging year in many ways, ING fared remarkably <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 204.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">well, delivering stronger financial results and gaining more primary <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 222.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customers than ever before. This is all the more notable given the <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 240.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">geopolitical and economic shocks and ongoing regional conflicts. <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 258.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Needless to say, this affects many of our clients and the societies in <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 276.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which we operate. Notwithstanding this adversity, we continued to <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 294.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">successfully execute our strategy, deliver exceptional results, and make <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 312.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">significant progress in various target areas.<span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 350.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our view on remuneration<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 384.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING's remuneration approach is designed to enable us to attract, motivate and retain leaders with the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 396.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ability, experience, skills, values and behaviours to fulfil our role as a global bank, sustainably executing our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 408.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">strategy while upholding our values and stakeholder interests. However, following the Dutch Banking Code, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 420.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">total direct compensation of the Executive Board is below the market median of a peer group of comparable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 432.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">companies.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 459.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In line with the remuneration principles that apply to all ING staff, the remuneration policies for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 471.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board and Supervisory Board are designed to ensure that ING offers well-balanced remuneration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 483.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">within ING's risk appetite and in fulfilment of our statutory obligations. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 510.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Stakeholder engagement<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 526.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We see stakeholder engagement as a key element in the formulation of our remuneration policies. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 107.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">At our 2020 AGM, 94.4 percent were in favour of our current Executive Board policy and 98.6 percent were in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 119.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">favour of our current Supervisory Board policy. As part of the renewal process, the Supervisory Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 131.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">conducted a detailed review of these policies in 2023 to assess their continuing suitability.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 158.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The process entailed a comprehensive stakeholder engagement process with regulators, our shareholders, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 170.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customers, employees (Central Works Council), and society at large to take their views on the remuneration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 182.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">policies into account. As always, we found engaging with our stakeholders to be very valuable and were <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 194.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">grateful for the level of feedback and support we received.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 221.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Noting the strong support from shareholders for our current policies, and on that basis their support of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 233.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">execution of our strategy within our regulatory framework, we are proposing that the fundamentals of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 245.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">current policies remain in place. There will, however, be limited changes proposed to our peer group <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 257.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">composition, enhanced transparency, and minor flexibility on items to execute. We will seek shareholder <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 269.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">approval for the proposed updated Executive Board and Supervisory Board remuneration policies at the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 281.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2024 AGM. The main themes mentioned by most stakeholders during the Executive Board remuneration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 293.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">policy consultation and our responses were:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 320.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">One of the key feedback items from stakeholders was the need for enhanced transparency around how <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 332.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">environmental, social and governance (ESG) matters are integrated into the Executive Board remuneration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 344.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">policy, especially in the context of rapidly evolving developments for regulators and shareholders. ING's <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 356.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">selection of ESG measures is designed to support the delivery of our ESG objectives and align them to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 368.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory expectations, both in terms of current and upcoming developments. We will continue to review <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 380.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and expand on our sustainability targets for scope 3 emissions. We will also take a more data-driven <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 392.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">approach, where each year we will disclose retrospectively enhanced substantiation of non-financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 404.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">performance on a quantitative and qualitative basis for the Executive Board members. In addition, we will <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 416.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">continue to refine, adjust and enhance the robustness of our target-setting and performance assessment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 428.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">approach for the purposes of determining variable remuneration for members of the Executive Board.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 455.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Stakeholders have also suggested that ING should disclose more quantifiable non-financial metrics on an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ex-ante, or at least, an ex-post basis. ING has both quantifiable and qualitative targets for non-financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 479.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">measures, which support a balanced performance assessment against these measures. ING&#8217;s objective is to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 491.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">continue to have more quantifiable non-financial performance targets, which are always disclosed for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 503.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board members in the relevant remuneration report on an ex-post basis. There are commercial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 515.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sensitivities that prohibit ING from disclosing the targets on an ex-ante basis.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 542.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Please note that the Supervisory Board received feedback from various stakeholders who are increasingly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 554.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">concerned that, over the last few years, the actual total compensation of our Executive Board members has <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">94<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fallen behind our desired pay policy stance and positioning against our peer group. This is supported by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">benchmark results for comparable roles in organisations that are similar in size, operating in similar <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">geographies, and with whom we compete for talent. We will keep this issue of appropriate market pay <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">positioning for our Executive Board members under review.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Stakeholder feedback on the proposed policy changes for the Supervisory Board was positive, including on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the introduction of an annual indexation mechanism for Supervisory Board fees to enable more regular <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adjustments in line with the wider workforce salary increase percentage. The Supervisory Board does not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">directly influence the annual indexation factor, in line with the feedback we received from stakeholders. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">wider workforce salary increase percentage as an indexation factor aligns well with ING's profile of a leading <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">European universal bank with global activities and will bring the fee levels more in line with peers and with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">those sufficient to attract and retain qualified (international) Supervisory Board members.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On behalf of the Supervisory Board, I would like to thank our stakeholders for their engagement and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">feedback.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This report<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 281.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This Remuneration report reflects the remuneration for the Supervisory Board and Executive Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 293.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">members. In preparing this report, we took notice of the draft (non-binding) 'Guidelines on the standardised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 305.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">presentation of the remuneration report' from the European Commission (EC) as published in September <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 317.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 344.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">With respect to reporting on remuneration, our ambition is to continue to be at the forefront, providing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 356.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">more information than is mandatory. For example, under the 2023 Executive Board remuneration section of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 368.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">this report we have included the prescribed tables from the draft (non-binding) 'Guidelines on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 380.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">standardised presentation of the remuneration report' from the EC. We describe the key stakeholder <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 392.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">engagement process that we followed as part of the proposed updated Executive Board and Supervisory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 404.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Board remuneration policies. We now have a new visual on the total direct compensation position in relation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 416.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to the market median, as well as an improved visual for deferred shares.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 443.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">A further example of enhanced transparency is our 'gender pay gap analysis', which can be found in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 455.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">'Social' section of the ING Annual Report, part of our new ESG chapter. In 2022, we conducted a global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">analysis of gender pay for the first time, to provide a basis to structurally address any gaps using data from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 479.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2021. We repeated this analysis in 2023 with data from 2022, and expect to complete an analysis of 2023 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 491.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and 2024, which will then be published in the 2024 Annual Report.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 518.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition to the broader benefits of a more gender-diverse senior management team &#8211; for our business, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 530.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">employees, and customers, increasing the representation of women in senior management is foundational <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 542.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to addressing our gender pay gap.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING follows the guidelines laid out by the European Banking Authority, which collects benchmarking data on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the gender pay gap (i.e. the difference between the average remuneration of men and women) from banks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">under its supervision, including ING, over the financial year 2023. ING already fulfils this requirement, having <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">begun collecting data on the gender pay globally in 2022 and publishing its unadjusted and adjusted global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">gender pay gap in this report. As well as conducting a gender pay gap analysis globally, in 2023 ING also <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">carried out an analysis on a country and entity level, with the aim of being even more transparent.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">I believe transparency on this subject is an important step in helping ING to advance diversity, inclusion and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">belonging. We do realise that there is more to be done, especially on the underrepresentation of women in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">leadership positions. However, some of the steps we have taken include increasing our target to at least 35 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">percent women in senior management by 2028, and introducing an additional target of at least 30 percent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">women in the leadership pipeline by 2025. While these targets are not an end-goal in themselves, they are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">important milestones to achieving true gender equity at the top. Our bank-wide gender equity action plan, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">based on reliable data and proven solutions, is aimed at making sustainable and structural improvements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 255.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Performance year 2023<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 290.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING has delivered strong results in 2023. We were able to continue to successfully execute our strategy by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 302.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">increasing the number of customers, working to provide them with a superior customer experience, further <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 314.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">improving our digital offerings, and helping our clients in their sustainable transitions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 341.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our full-year 2023 net result was &#8364;7,287 million (up from &#8364;3,674 million in 2022) with a full-year return on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 353.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">equity (ROE) of 14.8 percent (up from 7.2 percent in 2022). Both Retail and Wholesale Banking have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 365.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contributed positively. This result was driven by higher net interest income and our continued low risk costs, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 377.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reflecting our strong asset quality.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 404.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking has grown the customer base by 750,000 primary customers to reach a total of 15.3 million, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 416.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with Germany, Spain and the Netherlands in particular contributing to this growth. It is clear our customers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 428.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">value our services, as evidenced by our number one position in net promoter score (NPS) in five of our 10 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 440.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">retail markets. Wholesale Banking achieved an all-time high NPS of 72, reflecting the high satisfaction of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 452.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">clients across the globe.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 479.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Putting sustainability at the heart of what we do is one of the two key pillars of our strategy. We are proud <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 491.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of the progress we are making, and how we are using our financing to contribute to the transition of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 503.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customers. We continue to facilitate the transition to a low-carbon economy and support our clients in their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 515.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transitions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 542.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In October, we published our annual Climate Report, which explains how our financing impacts climate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 554.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">change, as well as how climate change impacts our business. It includes our progress on steering the 10 <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">95<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">most carbon-intensive sectors in our loan portfolio towards global climate goals. As you know, our Terra <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">approach is to engage with clients to help them make the transition, by helping them to assess climate risks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and take action to mitigate them.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We are currently on track to achieve our medium-term 2030 sector decarbonisation targets in four of our 10 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Terra (sub)sectors. However, our commercial real estate and residential real estate (mortgages) portfolios in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands are 'off track' compared to their respective sector alignment pathways. As we have just <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">expanded our commercial real-estate targets to also cover our Wholesale Banking book, and our oil &amp; gas to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">mid- and downstream, we will present our progress against this target in future reports. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our Terra approach is also reflected in the targets of the Executive Board Members for 2024, to support the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">transition of the most carbon-intensive sectors in Wholesale Banking, which are power generation, oil &amp; gas, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">cement, steel, automotive, aviation, shipping and commercial real estate, towards a better carbon <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performance, in line with our 2030 decarbonisation targets. We have also reinforced our commitments to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">support the energy transition by stepping up our renewable energy financing efforts.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Supervisory Board has agreed that the Executive Board's performance was satisfactory in 2023. Based <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on a thorough and balanced assessment of the performance of each Executive Board member against their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">objectives, ING's results, their behaviour, and risk and compliance matters, the Supervisory Board decided to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">award the following variable remuneration: 17 percent of the maximum 20 percent to the chief executive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">officer; 18 percent of the maximum 20 percent to the chief financial officer; and 17 percent of the maximum <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">20 percent to the chief risk officer.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Under the Executive Board remuneration policy, the Supervisory Board is annually required to consider base <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">salary increases for members of the Executive Board, taking into account a range of factors. These include <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">salary increases of other employees within ING, the increase of general price indices, and market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">competitiveness. In consideration of these factors, and given that no base salary increases were awarded to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 400.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">members of the Executive Board in the last three years, the Supervisory Board has determined that an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increase is appropriate, awarding a salary increase of 4.0 percent to each of the Executive Board members.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 439.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For all other eligible staff, variable remuneration can be discretionary or collective and is awarded based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 451.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">criteria for the overall group, business line, and individual performance. At least half of these targets must <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 463.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be non-financial. A considerable part of the variable remuneration is awarded based on collective <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">agreements. In 2023, the total amount awarded was &#8364;514.9 million, reflecting an 11.6 percent increase <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">against the total target variable remuneration pool.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 514.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In closing, I would like to thank all ING employees for their continuing support and dedication to ING, our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 526.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customers, and other stakeholders. It has not always been easy, yet they remain the power behind ING's <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 538.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">purpose.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g5.jpg" alt="Handtekening-01.jpg" style="height: 62.36pt; width: 100.16pt;"/></div></div></div><div style="position: var(--position); top: 147.27pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g6.jpg" alt="Herna_verhagen.jpg" style="height: 263.62pt; width: 266.56pt;"/></div></div></div><div style="line-height: 12pt; position: var(--position); top: 430.29pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Herna Verhagen<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 444.69pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Chairperson of the Supervisory Board Remuneration Committee<span style="display: inline-block; height: 9pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">96<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 20.25pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 42.47pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration report Executive Board <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 27pt; position: var(--position); top: 97.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and Supervisory Board<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 129.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">About this report<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 183.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This Remuneration report is based on the remuneration policies for the <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 201.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board and Supervisory Board. This section of the report is the <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 219.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration report as referred to in the Dutch Act implementing the <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 237.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholder Rights Directive II (SRD II). It will be presented to <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 255.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shareholders at the 2024 AGM for an advisory vote. An explanation of <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 273.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">how the results of this vote are taken into account will be included in <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 15pt; position: var(--position); top: 291.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the 2024 Remuneration report.<span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 324.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This Remuneration report includes under section 2023 Executive Board remuneration, further alignment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 336.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with prescribed tables from the draft (non-binding) &#8216;Guidelines on the standardised presentation of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 348.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration report&#8217; from the European Commission. In addition, we describe the process of key <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 360.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">stakeholder engagement followed as part of the proposed updated Executive Board and Supervisory Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 372.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration policies. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 402.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 AGM<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The 2022 Remuneration report was presented for an advisory vote at the AGM held on 24 April 2023 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(hereafter called the 2023 AGM). The outcome was an advisory vote of 92.96 percent in favour. A number of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 448.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shareholders made comments with regard to the remuneration of the CEO which was comparatively <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">modest. In this year's report, the AGM's feedback is reflected by providing more transparency on addressing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING's and the EB's target-setting, with more attention for the percentual increased key focus areas like <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impact of customer satisfaction, sustainability and social impact. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We recognise that remuneration is an important and sensitive topic and that viewpoints on the topic may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">vary for different stakeholder groups. The Supervisory Board is fully committed to ensuring that our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">approach to remuneration achieves a balance of interests across different stakeholders. Stakeholder <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">engagement is a key element in the formulation of our remuneration policies. We have regular dialogues <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with our stakeholders and in 2023 we performed an extensive round of dialogues specifically in preparation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for the renewal of our remuneration policies ahead of the 2024 AGM. The Supervisory Board will continue to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">foster a transparent dialogue on remuneration and future policy amendments. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Board changes and business events in 2023</span><span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 189.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Tanate Phutrakul was reappointed as a member of the Executive Board at the 2023 AGM for another four-</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 201.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">year term lasting until the end of the 2027 AGM.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 228.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">On 2 February 2023, it was announced that Hans Wijers had expressed the intention to hand over his duties </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 240.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">as chairperson and retire from the Supervisory Board for personal reasons. Prior to this, Mariana Gheorghe </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 252.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">had also expressed her intention to retire from the Supervisory Board at the end of the 2023 AGM. During </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 264.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">the 2023 AGM, shareholders approved the appointment of Karl Guha upon the departure of Hans Wijers as </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 276.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">the new chairperson of the Supervisory Board, and Alexandra Reich as a new member to the Supervisory </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 288.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Board for a four-year term. In addition, shareholders approved the reappointment of Herna Verhagen and </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 300.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Mike Rees to the Supervisory Board for another four-year term.&#160; </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 330.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Main decisions on the remuneration of the Executive Board and <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 347.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board for 2024<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 370.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following decisions were taken in relation to remuneration for 2024: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 382.31pt; width: 1080pt;"><span style="background-color: #ffffff; color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">&#8226;</span><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Updates to the Executive Board and Supervisory Board remuneration policies will be proposed;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 395.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Base salary of the Executive Board members from 1 January 2024 will be increased by 4.0 percent, see <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 407.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">'2024 Executive Board remuneration';<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 420.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">The Supervisory Board fees will be indexed with an increase at 5.4 percent for 2024, subject to a positive <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">binding vote by the AGM on 22 April 2024 on the proposed updated Supervisory Board remuneration <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 446.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">policy, see '2024 Supervisory Board remuneration'.<span style="display: inline-block; height: 12pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">97<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 Executive Board remuneration at a glance<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 97.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"> Please see '2023 Executive Board performance evaluation' for more details on the Executive Board members' performance and variable remuneration outcomes<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="position: var(--position); top: 129.71pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g7.jpg" alt="EB at a glance.jpg" style="height: 416.69pt; width: 939.91pt;"/></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">98<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_52"></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration Executive Board<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 102.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board remuneration policy<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Executive Board remuneration policy complies with applicable laws and regulations and is in line with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the remuneration principles that apply to all ING employees. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Executive Board remuneration policy, which was adopted by shareholders during the 2020 AGM, is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">disclosed in full on ing.com under the section &#8216;Remuneration&#8217;. During 2023, there was no deviation from the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">procedure for the implementation of the Executive Board remuneration policy. In line with this policy, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration of the Executive Board members is designed to attract, motivate and retain leaders. Retention <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">is an important goal since this contributes to long-term performance. In addition, delivery of both financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and non-financial KPIs, including ESG performance targets, contributes towards sustainable long-term value <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">creation for stakeholders.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">SRD II requires listed companies to submit their remuneration policies to the AGM at least once every four <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">years. Should policy changes be proposed, our stakeholders need to be consulted first about the proposed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">changes. An updated version of the policy will then be submitted for adoption by the General Meeting. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, ING engaged with its various stakeholders in an open dialogue on changes to the Executive Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and Supervisory Board remuneration policy, and for 2024, policy updates are proposed. In 2024, ING's <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board remuneration policy and Supervisory Board remuneration policy will be presented for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shareholder approval at the 2024 AGM. For further information on the updated policies, we refer to the letter <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the chairperson of the Supervisory Board Remuneration Committee.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Please note that the following paragraphs<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 227.35999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> present a brief summary of the current applicable Executive </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 400.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Board remuneration policy.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 430.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Total direct compensation <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 453.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Total direct compensation is the total of fixed and variable remuneration, excluding benefits such as pension <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 465.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and allowances. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 492.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Total direct compensation for the Executive Board members is determined and reviewed annually by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 504.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board. In line with the Executive Board remuneration policy, the Executive Board&#8217;s total direct <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 516.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">compensation for 2023 was compared to a peer group as formulated in the Executive Board remuneration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 528.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">policy. The peer group is based on five guiding principles, reflecting ING&#8217;s current profile, and is explained in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 540.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Executive Board remuneration policy. In short, these principles are described in the next table. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 86.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 398.25pt;"/></tr><tr style="height: 26.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; border-right: 1pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 0pt; position: var(--position); top: 0pt; width: 86.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 86.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Guiding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.63pt; width: 86.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">principle<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; border-left: 1pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 86.25pt; position: var(--position); top: 0pt; width: 398.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 398.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Short description<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-left: 1pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 26.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Size<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-right: 1pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 86.25pt; position: var(--position); top: 26.25pt; width: 398.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 398.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING acknowledges the importance of including companies that are broadly comparable in terms <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 398.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">of size and complexity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-left: 1pt solid #ffffff; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 50.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Governance <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">framework<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-right: 1pt solid #ffffff; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 86.25pt; position: var(--position); top: 50.25pt; width: 398.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 398.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING is subject to the Dutch (financial services) regulatory framework and operates within a Dutch <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 398.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">stakeholder environment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 74.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Geography<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 86.25pt; position: var(--position); top: 74.25pt; width: 398.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 398.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING is a leading European universal bank with a global presence and is headquartered in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 398.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 98.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Talent market<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 86.25pt; position: var(--position); top: 98.25pt; width: 398.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 398.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING is increasingly experiencing a cross-pollination of talent across sectors/industries, not limited <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 398.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">to traditional banking competitors<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 122.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balancing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 86.25pt; position: var(--position); top: 122.25pt; width: 398.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 398.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING acknowledges the importance of not losing sight of relevant peer companies that do not <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 398.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">match on the other criteria<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 231.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In line with the Dutch Banking Code, the 2023 peer group consists of both financial and non-financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 243.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">companies, taking into account the relevant international context. In addition, the Supervisory Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">decided to exclude the UK and Switzerland from our peer group, due to different pay structures in their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial sectors. Following an external and independent review in line with the Executive Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 279.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration policy in 2023, the current peer group composition remains unchanged and comprises:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 306.16pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 477pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 120pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 118.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 118.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ABN AMRO<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Ahold Delhaize<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 238.5pt; position: var(--position); top: 0pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">BBVA<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 358.5pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deutsche Bank<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Aegon<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 14.25pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ASML<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 238.5pt; position: var(--position); top: 14.25pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Banco Santander<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 358.5pt; position: var(--position); top: 14.25pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Intesa Sanpaolo<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">NN Group<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 28.5pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Heineken<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 238.5pt; position: var(--position); top: 28.5pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">BNP Paribas<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 358.5pt; position: var(--position); top: 28.5pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Soci&#233;t&#233; G&#233;n&#233;rale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rabobank<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 42.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Philips<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 238.5pt; position: var(--position); top: 42.75pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cr&#233;dit Agricole<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 358.5pt; position: var(--position); top: 42.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">UniCredit<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 380.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In line with the requirements laid out in the Dutch Banking Code, the actual earned total direct <span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 393.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compensation of members of the Executive Board under the Executive Board remuneration policy should be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 405.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">below the market median of the peer group. The calculation of pay positioning of the Executive Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 417.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">members against the peer group is performed on this basis (i.e. actual fixed salary plus actual variable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 429.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration). Based on the latest available survey data of actual total direct compensation earned, ING's <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 441.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board members were all paid below the market median. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 468.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In the next visual, the total direct compensation position of each Executive Board member in relation to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 480.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">market median and market benchmarks is shown. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">99<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g8.jpg" alt="ING-Annual-Report-2023_Total-direct-compensation-for-2023.jpg" style="height: 223.94pt; width: 493.47pt;"/></div></div></div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Fixed remuneration</span><span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">The individual base salaries ar</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 688.36pt; position: var(--position); text-decoration: none; white-space: pre;">e set according to the role, responsibilities and experience of each Executive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Board member with reference to market practice. The Remuneration Committee reviews the individual base <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 111.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">salaries of the Executive Board members annually and proposes any changes to the Supervisory Board. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 123.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board has the discretion to increase the individual base salaries. The below factors are given <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 135.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">consideration in determining their base salaries:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 147.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">the individual&#8217;s level of skill and performance;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 160.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">internal pay ratios and salary increases for other employees within ING;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 173.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration level at the external peer group;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 186.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">public indexation reference points (e.g. consumer price index); <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 198.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">stakeholder views.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 229.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Variable remuneration<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 252.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Variable remuneration for Executive Board members is limited to a maximum of 20 percent of base salary in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 264.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">line with legislative requirements. The Executive Board remuneration policy provides for an at target variable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 276.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration of 16 percent of base salary. At least 50 percent of this is based on non-financial performance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 288.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">criteria. For the CRO, the non-financial performance criteria is 75 percent. If performance criteria are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 300.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">exceeded, the Supervisory Board can increase the variable component to the maximum of 20 percent of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 312.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">base salary. If performance is below target, the variable component will be decreased, potentially down to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 324.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">zero. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 351.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The applicable performance criteria are based on ING&#8217;s strategy and priorities for the financial year, aiming <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 363.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to drive sustainable outcomes for ING, including financial returns that correspond to shareholder returns in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 375.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the short- and longer term. The performance criteria therefore contribute to the long-term objectives of ING.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 402.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">All variable remuneration is awarded fully in shares. There is a minimum holding period of five years from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the award date plus an additional holding year as of the vesting date. This combination (i.e. all shares plus a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">long holding period) fosters alignment with shareholders and a focus on the long term.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 453.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Supervisory Board predetermines the performance criteria for the Executive Board each year to ensure <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 465.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">alignment between ING's strategy, performance objectives and long-term interest. For further details on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 477.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">pay-out of variable remuneration, please see the Executive Board remuneration policy which is disclosed in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 489.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">full on ing.com under the section &#8216;Remuneration&#8217;. Illustrated below is the pay-out scheme of variable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 501.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration for Executive Board members.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">100<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g9.jpg" alt="ING REM Report 2023_Deferral.jpg" style="height: 314.65pt; width: 965.57pt;"/></div></div></div><div style="line-height: 14pt; position: var(--position); top: 417.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Pension<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 440.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">All members of the Executive Board participate in the Collective Defined Contribution pension plan, which is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 452.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">accrued on an annual salary of up to &#8364;128,810 for 2023. This is the same as for all employees working in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 464.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands without a supplementary pension scheme. Executive Board members are compensated for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 476.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">lack of pension accrual above this amount by means of an individual savings allowance (see 'Benefits'), to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 488.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be determined annually, on the same terms that apply to other participants in the Collective Defined <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 500.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Contribution pension plan. The set-up of this compensation for the lack of pension accrual is in line with best <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 512.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">practices in the Netherlands.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 417.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Benefits<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 440.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board members are eligible for additional benefits, such as: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 452.36pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">contributions individual savings plans; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 465.16pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">individual savings allowance (as explained under 'Pension' above);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 477.96pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">travel and accident insurance; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 490.76pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">other benefits: <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 503.56pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 569.2199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">expatriate allowances (such as housing, school/tuition fees and international health insurances, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 516.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">if applicable); <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 529.16pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 569.2199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">banking and insurance benefits from ING (on the same terms as for other employees of ING in <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 541.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands); <span style="display: inline-block; height: 12pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">101<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.37pt; position: var(--position); text-decoration: none; white-space: pre;">tax and financial planning services to ensure compliance with the relevant legislative requirements;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.37pt; position: var(--position); text-decoration: none; white-space: pre;">the use of either a company car or driver service.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 108.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Tenure<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Members of the Executive Board are appointed by the General Meeting for a maximum term of four years. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 143.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">They may be reappointed by the General Meeting in line with ING&#8217;s Articles of Association and applicable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 155.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">rules and regulation. Executive Board members have a commission contract for an indefinite period. ING has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the option to terminate the contract if a member is not reappointed by the General Meeting, or if their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 179.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">membership of the Executive Board is terminated. There is a three-month notice period for individual board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 191.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">members and a six-month notice period for ING. During this time, the board member would, in principle, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 203.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">continue to work and remains eligible for all agreed remuneration components.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 230.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In the event of an involuntary exit, Executive Board members are eligible for an exit arrangement. If <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 242.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">termination of the contract is based on mutual agreement, the Executive Board member is eligible for a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 254.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">severance payment. These arrangements are subject to specific requirements (e.g. limited to a maximum of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 266.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">one year o<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 87.99000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">f fixed base salary </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 171.33pt; position: var(--position); text-decoration: none; white-space: pre;">and under the condition that there should be no reward for failure). Should an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 278.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board member depart voluntarily or in circumstances involving fraud, gross negligence, wilful <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 290.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">misconduct or any activity detrimental to ING, no severance payment or award of variable remuneration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 302.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">over the performance year will be made and outstanding deferrals will lapse.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 332.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Annual review of the Executive Board remuneration <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 355.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In accordance with the Executive Board remuneration policy, the Supervisory Board annually determines <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 367.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the actual remuneration for members of the Executive Board, based on advice from the Remuneration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 379.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Committee of the Supervisory Board. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 406.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Remuneration Committee&#8217;s responsibilities include preparing the Supervisory Board for decisions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 418.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regarding the individual remuneration of members of the Executive Board. In performing its tasks, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 430.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration Committee takes note of the views of individual Executive Board members with regard to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 442.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">amount and structure of their own remuneration. Remuneration proposals for individual Executive Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 454.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">members are drawn up in accordance with the Executive Board remuneration policy and cover the following <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 466.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">aspects: remuneration structure, external benchmark results based on an annual review and validation of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 478.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Executive Board peer group, the amount of the fixed and variable remuneration components, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 490.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performance criteria used and, if and when considered appropriate, stakeholder engagement and the pay <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 502.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ratios within the company and its affiliated enterprises. In the performance of its tasks, the Remuneration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 514.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Committee works together with the Risk Committee. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 541.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Executive Board variable remuneration proposals were determined based on scenario analysis <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 553.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performed against different performance standards and payout levels including threshold, target and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">maximum and presented to the Supervisory Board for consideration. In conclusion, the proposed variable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration awards for the Executive Board members were considered fair and appropriate and in line <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with legislative requirements of maximum of 20 percent of base salary. The scenario analysis provided no <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">issues or new insights that warranted further adjustments to the proposed variable remuneration awards <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">by the Supervisory Board.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 142.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Special employment conditions<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 165.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In line with the Executive Board remuneration policy, the Supervisory Board may decide to temporarily <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 177.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">apply special employment conditions, for example to secure the recruitment of new Executive Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 189.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">members in exceptional circumstances, when this is necessary to serve the long-term interests and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 201.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sustainability of ING as a whole, or to assure its viability. In 2023, there were no such special employment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 213.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">conditions granted.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">102<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 Remuneration Executive Board<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 92.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This section includes details of remuneration for Executive Board members relating to the period served on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 104.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Executive Board in 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 131.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In line with the Dutch Corporate Governance Code, ING calculates the internal ratio of the remuneration for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 143.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the chief executive officer (CEO) compared to the average remuneration of all ING staff. Using the CEO's <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 155.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">total remuneration (i.e., the total of fixed and variable remuneration, including <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 392.35pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">benefits such as pension and </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 167.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">allowances) compared to the average remuneration for all ING sta</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 336.13pt; position: var(--position); text-decoration: none; white-space: pre;">ff, the ratio in 2023 was 1:24. The lower <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 179.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ratio for 2023 compared to 2022 is mainly caused by the fact that the remuneration of the CEO remained <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 191.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">stable while the average remuneration of ING staff increased.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 218.11pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 420.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63.75pt;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 0pt; width: 420.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 1.25pt; width: 420.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">1. Internal ratio for CEO<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 420.75pt; position: var(--position); top: 0pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 63.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">All ING staff<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 12.75pt; width: 420.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 420.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 420.75pt; position: var(--position); top: 12.75pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.78pt; position: var(--position); text-decoration: none; white-space: pre;">1:24<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 25.5pt; width: 420.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 420.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 420.75pt; position: var(--position); top: 25.5pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.78pt; position: var(--position); text-decoration: none; white-space: pre;">1:25<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 38.25pt; width: 420.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 420.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 420.75pt; position: var(--position); top: 38.25pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.78pt; position: var(--position); text-decoration: none; white-space: pre;">1:28<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 52.5pt; width: 420.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 420.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 420.75pt; position: var(--position); top: 52.5pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.78pt; position: var(--position); text-decoration: none; white-space: pre;">1:31<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66.75pt; width: 420.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 420.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 420.75pt; position: var(--position); top: 66.75pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.78pt; position: var(--position); text-decoration: none; white-space: pre;">1:27<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 319.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Furthermore, we also calculated the average ratio of total remuneration for the chief financial officer (CFO) </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 331.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">and chief risk officer (CRO) compared to all ING staff. On that basis</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 334.71000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> the average ratio in 2023 for the CFO and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 343.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">CRO was 1:18, which is comparable to that of 2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration versus company performance and average employee <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 81.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 104.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Table 2 (on the next page) shows the development of directors&#8217; remuneration (Executive Board and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 116.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board members), company performance and the average remuneration of an ING employee. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 128.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This is carried out by showing the development of the remuneration for Executive Board and Supervisory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 140.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Board members over the last five years presented in percentages. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 167.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">With respect to the remuneration of the Supervisory Board, it should be noted that there is no link to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 179.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">company performance in order to safeguard its independent role. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 206.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The relative performance of the company is presented on three different metrics over the last five years. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 218.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The metrics consist of: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 230.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Retail primary relationships.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 243.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Profit before tax for ING Group.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 256.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Return on equity based on IFRS-EU equity. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 283.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Finally, we present the development of the remuneration on average (per employee). For this number, we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 295.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">use the same data as for the internal ratio.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">103<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 994.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 333.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="12" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 994.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 994.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">2. Development of directors&#8217; remuneration, company performance and employee remuneration &#185;<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amount in thousands of euros unless otherwise stated<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 14.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.7pt; position: var(--position); text-decoration: none; white-space: pre;">FY 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 14.25pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 124.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 42.87pt; position: var(--position); text-decoration: none; white-space: pre;">FY 2023 vs FY 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 14.25pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 124.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 42.87pt; position: var(--position); text-decoration: none; white-space: pre;">FY 2022 vs FY 2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 14.25pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 124.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 42.87pt; position: var(--position); text-decoration: none; white-space: pre;">FY 2021 vs FY 2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 14.25pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 124.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 42.87pt; position: var(--position); text-decoration: none; white-space: pre;">FY 2020 vs FY 2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 14.25pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 124.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 42.87pt; position: var(--position); text-decoration: none; white-space: pre;">FY 2019 vs FY 2018<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="12" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 994.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 994.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Directors' remuneration (Executive Board) <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 178.43pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2, 3, 4, 5, 6<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Steven van Rijswijk (CEO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 42.75pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 15.7pt; position: var(--position); white-space: pre;">2,076<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 42.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 50.62pt; position: var(--position); white-space: pre;">23<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 42.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); white-space: pre;">1.1%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 42.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.64pt; position: var(--position); text-decoration: none; white-space: pre;">-24<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 42.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 38.84pt; position: var(--position); text-decoration: none; white-space: pre;">-1.2%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 42.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 46.12pt; position: var(--position); text-decoration: none; white-space: pre;">578<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 42.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 37.32pt; position: var(--position); text-decoration: none; white-space: pre;">38.6%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 42.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 46.12pt; position: var(--position); text-decoration: none; white-space: pre;">100<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 42.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">7.2%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 42.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 46.12pt; position: var(--position); text-decoration: none; white-space: pre;">195<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 42.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 37.32pt; position: var(--position); text-decoration: none; white-space: pre;">16.2%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Tanate Phutrakul (CFO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 57pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 15.7pt; position: var(--position); white-space: pre;">1,446<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 57pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="background-color: #ffffff; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 50.62pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">33</span><span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 57pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); white-space: pre;">2.3%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 57pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.64pt; position: var(--position); text-decoration: none; white-space: pre;">-27<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 57pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 38.84pt; position: var(--position); text-decoration: none; white-space: pre;">-1.9%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 57pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 46.12pt; position: var(--position); text-decoration: none; white-space: pre;">218<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 57pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 37.32pt; position: var(--position); text-decoration: none; white-space: pre;">17.9%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 57pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 57pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 57pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 57pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Ljiljana &#268;ortan (CRO) <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 71.25pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 15.7pt; position: var(--position); white-space: pre;">1,430<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 71.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 55.12pt; position: var(--position); white-space: pre;">7<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 71.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); white-space: pre;">0.5%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 71.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 71.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 71.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 71.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 71.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 71.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 71.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="12" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 994.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 994.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Company&#8217;s performance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail primary relationships (in mln)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 99.75pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 20.2pt; position: var(--position); text-decoration: none; white-space: pre;">15.3<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 99.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.7pt; position: var(--position); text-decoration: none; white-space: pre;">0.7<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 99.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.24pt; position: var(--position); text-decoration: none; white-space: pre;">5%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 99.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.7pt; position: var(--position); text-decoration: none; white-space: pre;">0.3<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 99.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.24pt; position: var(--position); text-decoration: none; white-space: pre;">2%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 99.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.7pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">0.4</span><span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 99.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.24pt; position: var(--position); text-decoration: none; white-space: pre;">3%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 99.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.7pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">0.6</span><span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 99.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.24pt; position: var(--position); text-decoration: none; white-space: pre;">5%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 99.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.7pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">0.8</span><span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 99.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.24pt; position: var(--position); text-decoration: none; white-space: pre;">7%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Profit before Tax ING Group (in mln)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 114pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 11.2pt; position: var(--position); text-decoration: none; white-space: pre;">10,492<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 114pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.7pt; position: var(--position); text-decoration: none; white-space: pre;">4,990<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 114pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 43.74pt; position: var(--position); text-decoration: none; white-space: pre;">91%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 114pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 34.72pt; position: var(--position); text-decoration: none; white-space: pre;"> -1,280<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 114pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 40.76pt; position: var(--position); text-decoration: none; white-space: pre;">-19%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 114pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.7pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">2,973</span><span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 114pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 43.74pt; position: var(--position); text-decoration: none; white-space: pre;">78%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 114pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 34.72pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> -3,025</span><span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 114pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 40.76pt; position: var(--position); text-decoration: none; white-space: pre;">-44%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 114pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 52.14pt; position: var(--position); text-decoration: none; white-space: pre;">-4<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 114pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.24pt; position: var(--position); text-decoration: none; white-space: pre;">0%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 128.25pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Return on equity based on IFRS-EU equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 128.25pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 13.32pt; position: var(--position); text-decoration: none; white-space: pre;">14.8%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 128.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">7.6%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 128.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.24pt; position: var(--position); text-decoration: none; white-space: pre;">106%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 128.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 45.26pt; position: var(--position); text-decoration: none; white-space: pre;">-2%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 128.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 40.76pt; position: var(--position); text-decoration: none; white-space: pre;">-22%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 128.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">4.4%</span><span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 128.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 43.74pt; position: var(--position); text-decoration: none; white-space: pre;">92%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 128.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 38.84pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">-4.6%</span><span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 128.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 40.76pt; position: var(--position); text-decoration: none; white-space: pre;">-49%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 128.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 38.84pt; position: var(--position); text-decoration: none; white-space: pre;">-1.8%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 128.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 45.26pt; position: var(--position); text-decoration: none; white-space: pre;">-4%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="12" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 142.5pt; width: 994.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 994.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Average employee remuneration <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 141.39pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">7<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 156.75pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Average fixed and annual variable remuneration<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 156.75pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 26.62pt; position: var(--position); text-decoration: none; white-space: pre;">77<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 156.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.7pt; position: var(--position); text-decoration: none; white-space: pre;">4.8<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 156.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">6.5%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 156.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.7pt; position: var(--position); text-decoration: none; white-space: pre;">2.4<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 156.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">3.5%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 156.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.7pt; position: var(--position); text-decoration: none; white-space: pre;">2.7<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 156.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.24pt; position: var(--position); text-decoration: none; white-space: pre;">4%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 156.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 156.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 156.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 156.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="12" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 171pt; width: 994.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 994.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Directors remuneration (Supervisory Board)<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 182.85999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;"> 8<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 185.25pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hans Wijers (chairperson)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 185.25pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 26.62pt; position: var(--position); text-decoration: none; white-space: pre;">93<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 185.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 185.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 185.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.7pt; position: var(--position); text-decoration: none; white-space: pre;">0.5<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 185.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">0.2%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 185.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.64pt; position: var(--position); text-decoration: none; white-space: pre;">-25<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 185.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 34.34pt; position: var(--position); text-decoration: none; white-space: pre;">-11.9%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 185.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 55.12pt; position: var(--position); text-decoration: none; white-space: pre;">7<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 185.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">3.5%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 185.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 50.62pt; position: var(--position); text-decoration: none; white-space: pre;">17<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 185.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">9.2%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 199.5pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Karl Guha (chairperson)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 199.5pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 22.12pt; position: var(--position); text-decoration: none; white-space: pre;">130<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 199.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 199.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 199.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 199.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 199.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 199.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 199.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 199.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 199.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 199.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 213.75pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Mike Rees (vice-chairperson)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 213.75pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 22.12pt; position: var(--position); text-decoration: none; white-space: pre;">151<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 213.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 50.62pt; position: var(--position); text-decoration: none; white-space: pre;">12<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 213.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">8.8%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 213.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 50.62pt; position: var(--position); text-decoration: none; white-space: pre;">10<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 213.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">7.8%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 213.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 55.12pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 213.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 48.24pt; position: var(--position); text-decoration: none; white-space: pre;">0%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 213.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 213.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 213.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 213.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 228pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Juan Colomb&#225;s<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 228pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 22.12pt; position: var(--position); text-decoration: none; white-space: pre;">123<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 228pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 50.62pt; position: var(--position); text-decoration: none; white-space: pre;">21<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 228pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 37.32pt; position: var(--position); text-decoration: none; white-space: pre;">20.4%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 228pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 55.12pt; position: var(--position); text-decoration: none; white-space: pre;">8<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 228pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">8.5%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 228pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 228pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 228pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 228pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 228pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 228pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 242.25pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Mariana Gheorghe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 242.25pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 26.62pt; position: var(--position); text-decoration: none; white-space: pre;">41<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 242.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 242.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 242.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 50.62pt; position: var(--position); text-decoration: none; white-space: pre;">18<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 242.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 37.32pt; position: var(--position); text-decoration: none; white-space: pre;">17.2%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 242.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 52.14pt; position: var(--position); text-decoration: none; white-space: pre;">-6<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 242.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 38.84pt; position: var(--position); text-decoration: none; white-space: pre;">-5.6%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 242.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.64pt; position: var(--position); text-decoration: none; white-space: pre;">-10<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 242.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 38.84pt; position: var(--position); text-decoration: none; white-space: pre;">-8.5%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 242.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 50.62pt; position: var(--position); text-decoration: none; white-space: pre;">13<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 242.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 37.32pt; position: var(--position); text-decoration: none; white-space: pre;">12.4%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 256.5pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Margarete Haase<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 256.5pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 22.12pt; position: var(--position); text-decoration: none; white-space: pre;">118<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 256.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 55.12pt; position: var(--position); text-decoration: none; white-space: pre;">6<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 256.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">4.9%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 256.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 55.12pt; position: var(--position); text-decoration: none; white-space: pre;">8<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 256.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">7.7%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 256.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 52.14pt; position: var(--position); text-decoration: none; white-space: pre;">-1<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 256.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 38.84pt; position: var(--position); text-decoration: none; white-space: pre;">-1.0%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 256.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 55.12pt; position: var(--position); text-decoration: none; white-space: pre;">7<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 256.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">7.1%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 256.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 50.62pt; position: var(--position); text-decoration: none; white-space: pre;">35<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 256.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 37.32pt; position: var(--position); text-decoration: none; white-space: pre;">55.6%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 270.75pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Lodewijk Hijmans van den Bergh<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 270.75pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 22.12pt; position: var(--position); text-decoration: none; white-space: pre;">108<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 270.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 50.62pt; position: var(--position); text-decoration: none; white-space: pre;">11<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 270.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 4.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 36.66pt; position: var(--position);"><span style="display: inline-block; height: 6pt;"></span></span><span style="left: 36.66pt; position: var(--position);">10.8<span style="display: inline-block; height: 6pt; width: 2.54pt;"></span></span><span style="left: 54.62pt; position: var(--position);">%<span style="display: inline-block; height: 6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 270.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 270.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 270.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 270.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 270.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 270.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 270.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 270.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 285pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Herman Hulst<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 285pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 22.12pt; position: var(--position); text-decoration: none; white-space: pre;">108<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 285pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 55.12pt; position: var(--position); text-decoration: none; white-space: pre;">8<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 285pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 4.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 41.16pt; position: var(--position);"><span style="display: inline-block; height: 6pt;"></span></span><span style="left: 41.16pt; position: var(--position);">7.5<span style="display: inline-block; height: 6pt; width: 2.54pt;"></span></span><span style="left: 54.62pt; position: var(--position);">%<span style="display: inline-block; height: 6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 285pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 55.12pt; position: var(--position); text-decoration: none; white-space: pre;">5<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 285pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">5.0%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 285pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 285pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 285pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 285pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 285pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 285pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 299.25pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Harold Naus<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 299.25pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 26.62pt; position: var(--position); text-decoration: none; white-space: pre;">98<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 299.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 55.12pt; position: var(--position); text-decoration: none; white-space: pre;">6<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 299.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 4.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 41.16pt; position: var(--position);"><span style="display: inline-block; height: 6pt;"></span></span><span style="left: 41.16pt; position: var(--position);">6.0<span style="display: inline-block; height: 6pt; width: 2.54pt;"></span></span><span style="left: 54.62pt; position: var(--position);">%<span style="display: inline-block; height: 6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 299.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 52.14pt; position: var(--position); text-decoration: none; white-space: pre;">-3<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 299.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 38.84pt; position: var(--position); text-decoration: none; white-space: pre;">-2.9%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 299.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 299.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 299.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 299.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 299.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 299.25pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 313.5pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Alexandra Reich<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 313.5pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 26.62pt; position: var(--position); text-decoration: none; white-space: pre;">78<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 313.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 313.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 313.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 313.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 313.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 313.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 313.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 313.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 313.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 313.5pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 327.75pt; width: 333.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 333.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Herna Verhagen<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 327.75pt; width: 38.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 22.12pt; position: var(--position); text-decoration: none; white-space: pre;">108<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 327.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 55.12pt; position: var(--position); text-decoration: none; white-space: pre;">6<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 327.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">5.4%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 496.5pt; position: var(--position); top: 327.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 55.12pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 558.75pt; position: var(--position); top: 327.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 41.82pt; position: var(--position); text-decoration: none; white-space: pre;">2.0%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621pt; position: var(--position); top: 327.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.64pt; position: var(--position); text-decoration: none; white-space: pre;">-21<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 683.25pt; position: var(--position); top: 327.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 34.34pt; position: var(--position); text-decoration: none; white-space: pre;">-17.4%<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 745.5pt; position: var(--position); top: 327.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 807.75pt; position: var(--position); top: 327.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 327.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 327.75pt; width: 62.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.69pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 56.64pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 8pt; position: var(--position); top: 411.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">For consistency reasons, this table only makes a comparison between two full financial years in which the respective Executive Board or Supervisory Board member served<span style="display: inline-block; height: 6pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 656.8299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> in their role as board member.</span><span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 421.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">The remuneration of the Executive Board consists of base salary and variable remuneration (total direct compensation).<span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 431.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Variable remuneration for the Executive Board is included in the year in which the performance was delivered i.e. prior to the year in which it is paid out.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 440.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">4<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Fixed remuneration for the Executive Board did not change in 2019. The relative total compensation increase from 2018 to 2019 is fully attributable to the fact that no variable remuneration was awarded for performance year 2018.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 450.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">5<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Fixed remuneration for Executive Board members is not linked to company performance but is predominantly based on a benchmark exercise. Total direct compensation of Executive Board members should stay below the median of the benchmark, in line with the Dutch <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 459.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Banking Code. This has a mitigating effect on the correlation with company performance.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 469.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">6<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">The relative total compensation increase from 2020 to 2021 is mainly caused by the fact that no variable remuneration was awarded for the performance year 2020.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 479.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">7<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">In 2021, the methodology to calculate the average employee remuneration has been updated. Comparative for 2020 has been updated accordingly.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 488.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">8<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">There is no correlation between Supervisory Board remuneration and company performance. Supervisory Board members do not receive any variable remuneration. Their remuneration is based on fixed fees related to their role and number of meetings. The high fluctuations are <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 498.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">caused by role changes during the year and differences in the number of meetings.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 507.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 6pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">104<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 Executive Board performance assessment and reward process<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Executive Board performance assessment and reward process includes a number of key steps. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">process serves as the foundation to determine the variable remuneration for Executive Board members.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 126.71pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g10.jpg" alt="ING Annual Report 2023_Graphic 1 Feb.jpg" style="height: 129.94pt; width: 485.01pt;"/></div></div></div><div style="line-height: 10pt; position: var(--position); top: 276.65pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">At the start of the performance year, the Supervisory Board approves the financial, non-financial and risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 288.65pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performance targets applicable to the Executive Board members for that year:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 300.65pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Financial performance target areas<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 216.94pt; position: var(--position); text-decoration: none; white-space: pre;"> including profit-based and return-based targets; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 313.45pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Non-financial performance target areas<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 237.94pt; position: var(--position); text-decoration: none; white-space: pre;"> consisting of customer (except the CRO), risk &amp; regulatory, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 326.25pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">strategy, environment &amp; social.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.05pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Each performance target area is weighted and when combined, all weightings total 100 percent. The Dutch <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.05pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration Policy for Financial Enterprises Act (Wet Beloningsbeleid Financi&#235;le Ondernemingen, Wbfo) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.05pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">specifies that at least 50 percent of variable remuneration metrics must be based on non-financial targets. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 390.05pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The CEO is aligned fully to Group performance, while for the CFO, it is a mix of both Group and functional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 402.05pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performance targets. The non-financial targets for the CRO are predominantly based on performance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.05pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">targets that are linked to the function and role.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 441.05pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The applicable performance targets are based on ING's strategy, with customers and sustainability as the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 453.05pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">core pillars. The performance targets for the Executive Board members reflect ING's priorities for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 465.05pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial year, aiming to drive sustainable outcomes, including financial returns that drive shareholder <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 477.05pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">returns in both the short and longer term. In addition, non-financial targets, including ESG-related targets, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 489.05pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are also taken into account and contribute towards long-term sustainable value for both ING and society. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 501.05pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING's remuneration approach is strongly linked to a robust and transparent performance management <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 513.05pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">process which aims to reward sustainable performance. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 540.05pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The target areas, targets and weightings are included in the performance target cards for each Executive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 552.05pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Board member. The performance target card consists of both quantitative- and qualitative-based targets to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">achieve a balanced and holistic assessment. Quantitative-based targets are measured primarily on a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">formulaic basis where the expected target performance level must be achieved before the on-target pay-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">out can be earned. Qualitative targets are clearly defined with descriptors of levels of what is expected of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the performance, such as speed of delivery, quality of delivery and ways of working. These are assessed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">using a standard three-point rating scale which aligns with ING's Step Up Performance rating approach. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">overall outcome of the performance target card assessment described above is the starting point for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">determining the variable remuneration of the Executive Board members. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Throughout the year, regular conversations take place between the Supervisory Board and the Executive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Board to review their performance. Progress against performance measures is formally tracked and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">discussed at least twice a year in the mid-year and year-end reviews. The Nomination and Corporate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Governance Committee takes an active role in assessing the performance of individual Executive Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">members, and informs both the Risk Committee and the Remuneration Committee. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">At the end of the year, the Risk Committee and Remuneration Committee provide input and assess the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">performance of Executive Board members to determine the variable remuneration to be awarded. They <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">jointly advise the Supervisory Board on the recommendations to get final approval of the awards. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">follows a multi-step and integrated process that closely aligns with the way variable remuneration is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">determined for the wider ING workforce. The process covers an assessment of their performance, based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">individual performance target cards. It includes targets and ranges agreed to at the beginning of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">performance year, along with risk assessments measured on an ex-ante and ex-post risk adjustment basis <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(see also 'The comprehensive process around variable remuneration', under point 5).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The integrated performance assessment process for determining variable remuneration also takes into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">account financial and operational performance, risk and compliance, as well as behaviour and conduct of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">each Executive Board member. This is supported by a robust framework for considering risk and conduct, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which is in line with regulations. It includes the following elements:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 397.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Performance hurdles<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 665.28pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8211; Executive Board members are only eligible for consideration of their variable <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 410.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration if both of the performance hurdles are met. This is in line with all employees who are <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 423.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">eligible for discretionary variable remuneration. See 'Performance hurdles' for further details. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 436.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Risk and regulatory adjustments<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 719.44pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8211; Performance against risk and regulatory targets within the core <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 449.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">performance target cards are made, including an assessment of financial risk and non-financial risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 461.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">targets measured on an ex-ante basis. The targets and ranges are set at the beginning of the financial <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 474.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">year, taking into account ING&#8217;s risk appetite statement framework. Performance against these risk and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory targets may lead to a downward or upward modification in variable remuneration.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 500.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Additional risk adjustments<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 696.23pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8211; Further downward risk adjustments may also be made to variable <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 513.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration based on broader risk management performance not within risk appetite, including <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 525.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">additional ex-ante risk performance that needs to be considered and/or ex-post risk events that may <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 538.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">lead to a financial or reputational impact on ING. Finally, the Risk function assesses individual risk <span style="display: inline-block; height: 12pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">105<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div style="background-image: url('data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHN0eWxlPSJwb2ludGVyLWV2ZW50czogbm9uZTsiPjxwYXRoIHN0eWxlPSJmaWxsOiB0cmFuc3BhcmVudDsgc3Ryb2tlOiAjMDAwMDAwOyBzdHJva2Utd2lkdGg6IDFwdDsiIGQ9Ik0gNTMuMjkgNzM0LjU2IEggMzE5Ljk2Ij48L3BhdGg+PC9zdmc+'); background-size: 1080pt 607.47pt; height: 607.47pt; position: var(--position); width: 1080pt;"></div><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">requirements that apply to Identified Staff, including Executive Board members, who are considered risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">takers, which can also lead to a downward adjustment in variable remuneration, also known as a risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">modifier. In the most serious of incidents, additional risk adjustments in the form of holdbacks or <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">clawbacks<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: normal; left: 100.03pt; position: var(--position); text-decoration: none; top: -4.199999999999999pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 7.800000000000001pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 103.68pt; position: var(--position); text-decoration: none; white-space: pre;"> can also impact individual variable remuneration.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 131.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The CRO is responsible for recommending any risk adjustments to variable remuneration awards for the CEO <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 143.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and CFO. The Risk Committee is responsible for recommending this for the CRO. The final decision is made <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 155.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by the Supervisory Board. The Supervisory Board, based on the advice of the Remuneration Committee and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 167.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk Committee, decides on any risk adjustments (potentially to zero) to variable remuneration for Executive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 179.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Board members. As a final step in the process, in exceptional circumstances the Supervisory Board may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 191.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">apply its discretion to adjust upwards or downwards the variable remuneration of Executive Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 203.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">members.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 233.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 Executive Board base salary<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 249.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The base salary for all roles of the Executive Board remained unchanged for 2023 as disclosed in our 2022 <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 266.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration report. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">106<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div><div style="left: 0pt; position: var(--position); top: 555.92pt;"><div style="width: 1000pt;"><div style="line-height: 8pt; position: var(--position); top: 0pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 5.2pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; top: -2.0999999999999996pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 3.9000000000000004pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 42.89pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; A holdback is the forfeiture of up to 100 percent of the awarded and unvested variable remuneration, and a clawback is an arrangement under which staff have to return ownership of up to 100 percent of the paid and/or vested variable remuneration.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 Executive Board performance evaluation<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This section includes more details on the financial and non-financial performance of the Executive Board members. Key financial and non-financial achievements against the 2023 predefined target areas are summarised in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">one table for each of the Executive Board members. This has been discussed and approved by the Supervisory Board. The non-financial, individual performance of each Executive Board member is further summarised in a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 111.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">separate overview per board member in the following pages.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 138.71pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 147pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 72.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="background-color: #ff6200; border-bottom: 0.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 219.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 219.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">3. 2023 variable remuneration outcomes<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; border-bottom: 0.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; border-bottom: 0.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; border-bottom: 0.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; border-bottom: 0.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 0.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 0.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 0.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 219.75pt; position: var(--position); top: 14.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 23.47pt; position: var(--position); text-decoration: none; white-space: pre;">Target &#8211;<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.61pt; position: var(--position); text-decoration: none; white-space: pre;">Minimum<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 0.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 279.75pt; position: var(--position); top: 14.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 30.13pt; position: var(--position); text-decoration: none; white-space: pre;">Target<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 0.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 339.75pt; position: var(--position); top: 14.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 23.47pt; position: var(--position); text-decoration: none; white-space: pre;">Target &#8211;<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.45pt; position: var(--position); text-decoration: none; white-space: pre;">Maximum<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 0.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 399.75pt; position: var(--position); top: 14.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.02pt; position: var(--position); text-decoration: none; white-space: pre;">Performance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 459.75pt; position: var(--position); top: 14.25pt; width: 180pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 180pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 38.23pt; position: var(--position); text-decoration: none; white-space: pre;">Steven van Rijswijk (CEO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 639.75pt; position: var(--position); top: 14.25pt; width: 180pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 180pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 42.04pt; position: var(--position); text-decoration: none; white-space: pre;">Tanate Phutrakul (CFO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 819.75pt; position: var(--position); top: 14.25pt; width: 180pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 180pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 47.36pt; position: var(--position); text-decoration: none; white-space: pre;">Ljiljana &#268;ortan (CRO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 38.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.85pt; position: var(--position); text-decoration: none; white-space: pre;">Weighting<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 38.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.85pt; position: var(--position); text-decoration: none; white-space: pre;">Assessment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 38.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.98pt; position: var(--position); text-decoration: none; white-space: pre;">Outcome<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 38.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.85pt; position: var(--position); text-decoration: none; white-space: pre;">Weighting<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 699.75pt; position: var(--position); top: 38.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.85pt; position: var(--position); text-decoration: none; white-space: pre;">Assessment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759.75pt; position: var(--position); top: 38.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.98pt; position: var(--position); text-decoration: none; white-space: pre;">Outcome<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 38.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.85pt; position: var(--position); text-decoration: none; white-space: pre;">Weighting<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 879.75pt; position: var(--position); top: 38.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.85pt; position: var(--position); text-decoration: none; white-space: pre;">Assessment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 38.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.98pt; position: var(--position); text-decoration: none; white-space: pre;">Outcome<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="3" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 52.5pt; left: 0pt; position: var(--position); top: 52.5pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 147pt; position: var(--position); top: 52.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Profit before tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 219.75pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.97pt; position: var(--position); text-decoration: none; white-space: pre;">5,500<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279.75pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.97pt; position: var(--position); text-decoration: none; white-space: pre;">6,875<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 339.75pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.97pt; position: var(--position); text-decoration: none; white-space: pre;">8,250<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 399.75pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.91pt; position: var(--position); text-decoration: none; white-space: pre;">10,492<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.29pt; position: var(--position); text-decoration: none; white-space: pre;">16.7%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.45pt; position: var(--position); text-decoration: none; white-space: pre;">100%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">17%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.29pt; position: var(--position); text-decoration: none; white-space: pre;">16.7%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 699.75pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.45pt; position: var(--position); text-decoration: none; white-space: pre;">100%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759.75pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">17%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.35pt; position: var(--position); text-decoration: none; white-space: pre;">8.3%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 879.75pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.45pt; position: var(--position); text-decoration: none; white-space: pre;">100%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.57pt; position: var(--position); text-decoration: none; white-space: pre;">8%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 147pt; position: var(--position); top: 66.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Return on equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 219.75pt; position: var(--position); top: 66.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.35pt; position: var(--position); text-decoration: none; white-space: pre;">8.1%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279.75pt; position: var(--position); top: 66.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.29pt; position: var(--position); text-decoration: none; white-space: pre;">10.2%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 339.75pt; position: var(--position); top: 66.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.29pt; position: var(--position); text-decoration: none; white-space: pre;">12.2%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 399.75pt; position: var(--position); top: 66.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.29pt; position: var(--position); text-decoration: none; white-space: pre;">14.8%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 66.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.29pt; position: var(--position); text-decoration: none; white-space: pre;">16.7%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 66.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.45pt; position: var(--position); text-decoration: none; white-space: pre;">100%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 66.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">17%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 66.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.29pt; position: var(--position); text-decoration: none; white-space: pre;">16.7%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 699.75pt; position: var(--position); top: 66.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.45pt; position: var(--position); text-decoration: none; white-space: pre;">100%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759.75pt; position: var(--position); top: 66.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">17%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 66.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.35pt; position: var(--position); text-decoration: none; white-space: pre;">8.3%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 879.75pt; position: var(--position); top: 66.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.45pt; position: var(--position); text-decoration: none; white-space: pre;">100%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 66.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.57pt; position: var(--position); text-decoration: none; white-space: pre;">8%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 147pt; position: var(--position); top: 81pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Operational <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 219.75pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.91pt; position: var(--position); text-decoration: none; white-space: pre;">12,187<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 279.75pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.91pt; position: var(--position); text-decoration: none; white-space: pre;">11,606<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 339.75pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.91pt; position: var(--position); text-decoration: none; white-space: pre;">11,026<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 399.75pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.91pt; position: var(--position); text-decoration: none; white-space: pre;">11,564<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 459.75pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.29pt; position: var(--position); text-decoration: none; white-space: pre;">16.7%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 519.75pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">81%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 579.75pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">14%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 639.75pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.29pt; position: var(--position); text-decoration: none; white-space: pre;">16.7%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 699.75pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">81%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 759.75pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">14%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 819.75pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.35pt; position: var(--position); text-decoration: none; white-space: pre;">8.3%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 879.75pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">81%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 939.75pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.57pt; position: var(--position); text-decoration: none; white-space: pre;">7%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 20.25pt;"><td colspan="1" rowspan="4" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 94.5pt; left: 0pt; position: var(--position); top: 105pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-financial<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 147pt; position: var(--position); top: 105pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="4" rowspan="4" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 94.5pt; left: 219.75pt; position: var(--position); top: 105pt; width: 240pt;"><div><div style="line-height: 9pt; position: var(--position); top: 27.11pt; width: 240pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Performance against non-financial measures are <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 37.91pt; width: 240pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">organised around these target areas. Please <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 182.41pt; position: var(--position); text-decoration: none; white-space: pre;">see the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 48.71pt; width: 240pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">following pages<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 68.06pt; position: var(--position); text-decoration: none; white-space: pre;"> for more details on the non-financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 59.51pt; width: 240pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performance of each Executive Board member.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 459.75pt; position: var(--position); top: 105pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.35pt; position: var(--position); text-decoration: none; white-space: pre;">7.5%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 519.75pt; position: var(--position); top: 105pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">80%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 579.75pt; position: var(--position); top: 105pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.57pt; position: var(--position); text-decoration: none; white-space: pre;">6%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 639.75pt; position: var(--position); top: 105pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.57pt; position: var(--position); text-decoration: none; white-space: pre;">5%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 699.75pt; position: var(--position); top: 105pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">80%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 759.75pt; position: var(--position); top: 105pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.57pt; position: var(--position); text-decoration: none; white-space: pre;">4%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 819.75pt; position: var(--position); top: 105pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 45.38pt; position: var(--position); text-decoration: none; white-space: pre;">NA<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 879.75pt; position: var(--position); top: 105pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 45.38pt; position: var(--position); text-decoration: none; white-space: pre;">NA<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 939.75pt; position: var(--position); top: 105pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 45.38pt; position: var(--position); text-decoration: none; white-space: pre;">NA<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 29.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 29.25pt; left: 147pt; position: var(--position); top: 125.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 5.29pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Risk &amp; <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 16.09pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Regulatory<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 29.25pt; left: 459.75pt; position: var(--position); top: 125.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 10.69pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">15%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 29.25pt; left: 519.75pt; position: var(--position); top: 125.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 10.69pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">79%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 29.25pt; left: 579.75pt; position: var(--position); top: 125.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 10.69pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">12%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 29.25pt; left: 639.75pt; position: var(--position); top: 125.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 10.69pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.29pt; position: var(--position); text-decoration: none; white-space: pre;">17.5%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 29.25pt; left: 699.75pt; position: var(--position); top: 125.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 10.69pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">88%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 29.25pt; left: 759.75pt; position: var(--position); top: 125.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 10.69pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">15%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 29.25pt; left: 819.75pt; position: var(--position); top: 125.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 10.69pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">45%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 29.25pt; left: 879.75pt; position: var(--position); top: 125.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 10.69pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">79%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 29.25pt; left: 939.75pt; position: var(--position); top: 125.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 10.69pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">36%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 20.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 147pt; position: var(--position); top: 154.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Strategy<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 459.75pt; position: var(--position); top: 154.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.29pt; position: var(--position); text-decoration: none; white-space: pre;">12.5%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 519.75pt; position: var(--position); top: 154.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">80%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 579.75pt; position: var(--position); top: 154.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">10%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 639.75pt; position: var(--position); top: 154.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.29pt; position: var(--position); text-decoration: none; white-space: pre;">12.5%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 699.75pt; position: var(--position); top: 154.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.45pt; position: var(--position); text-decoration: none; white-space: pre;">100%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 759.75pt; position: var(--position); top: 154.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">13%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 819.75pt; position: var(--position); top: 154.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">15%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 879.75pt; position: var(--position); top: 154.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">90%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 939.75pt; position: var(--position); top: 154.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">14%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 147pt; position: var(--position); top: 174.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.04pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Environment &amp; <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.84pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Social<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 459.75pt; position: var(--position); top: 174.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">15%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 519.75pt; position: var(--position); top: 174.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">63%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 579.75pt; position: var(--position); top: 174.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">10%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 639.75pt; position: var(--position); top: 174.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">15%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 699.75pt; position: var(--position); top: 174.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">87%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 759.75pt; position: var(--position); top: 174.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">13%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 819.75pt; position: var(--position); top: 174.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">15%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 879.75pt; position: var(--position); top: 174.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">83%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 939.75pt; position: var(--position); top: 174.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">12%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 199.5pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 199.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.45pt; position: var(--position); text-decoration: none; white-space: pre;">100%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 199.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">84%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 199.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.45pt; position: var(--position); text-decoration: none; white-space: pre;">100%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759.75pt; position: var(--position); top: 199.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">92%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 199.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.45pt; position: var(--position); text-decoration: none; white-space: pre;">100%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 199.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">85%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 213.75pt; width: 219.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 219.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Final 2023 variable remuneration outcomes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 213.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.51pt; position: var(--position); text-decoration: none; white-space: pre;">84%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759.75pt; position: var(--position); top: 213.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 38.44pt; position: var(--position); text-decoration: none; white-space: pre;">92%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 213.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 38.44pt; position: var(--position); text-decoration: none; white-space: pre;">85%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="6" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 228pt; width: 459.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 459.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Payout out of 20 percent variable remuneration cap (16 percent is at target variable remuneration)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 228pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 38.44pt; position: var(--position); text-decoration: none; white-space: pre;">17%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759.75pt; position: var(--position); top: 228pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 38.44pt; position: var(--position); text-decoration: none; white-space: pre;">18%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 228pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 38.44pt; position: var(--position); text-decoration: none; white-space: pre;">17%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 385.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">* Due to rounding, percentages presented in the table may not add up precisely to the total percentages provided.&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; <span style="display: inline-block; height: 7.64pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">107<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g11.jpg" alt="image002 (1).jpg" style="height: 490.57pt; width: 1000.06pt;"/></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">108<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g12.jpg" alt="image003.jpg" style="height: 490.57pt; width: 1000.06pt;"/></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">109<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g13.jpg" alt="image004.jpg" style="height: 490.57pt; width: 1000.06pt;"/></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">110<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div style="background-image: url('data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHN0eWxlPSJwb2ludGVyLWV2ZW50czogbm9uZTsiPjxwYXRoIHN0eWxlPSJmaWxsOiB0cmFuc3BhcmVudDsgc3Ryb2tlOiAjMDAwMDAwOyBzdHJva2Utd2lkdGg6IDFwdDsiIGQ9Ik0gNTMuMjkgNjgzLjM2IEggMzE5Ljk2Ij48L3BhdGg+PC9zdmc+'); background-size: 1080pt 607.47pt; height: 607.47pt; position: var(--position); width: 1080pt;"></div><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 variable remuneration and total direct compensation outcomes<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 102.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING delivered exceptional results in 2023. Net profit almost doubled, with strong contributions from both <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 114.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Retail and Wholesale Banking. This was driven by higher net interest income and our continued low risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 126.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">costs, reflecting our strong asset quality. In Retail Banking, the number of primary customers increased by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 138.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">750,000 over the course of the year to reach a total of 15.3 million. Wholesale Banking achieved an all-time <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 150.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">high NPS score of 72 at year-end, driven by high satisfaction with our relationship managers' sector <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 162.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">knowledge, pro-activity, clear communication and their understanding of their clients' needs. Financially, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 174.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">profit before tax rose to &#8364;10.5 billion, with the return on equity rising to 14.8 percent.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 201.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Looking at the progress of our climate alignment, we're currently on track to achieve our medium-term <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 213.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2030 sector decarbonisation targets in four of our 10 Terra (sub)sectors and close to the target (less than <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 225.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">five percent deviation) for three (sub)sectors. We continue to facilitate the transition to a low-carbon <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 237.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">economy and support our clients in their transitions. In 2023, we mobilised &#8364;115 billion of financing for our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 249.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">clients that contributes to their transition versus &#8364;101 billion in 2022, and we closed 792 sustainability <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 261.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">transactions. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 288.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The financial and capital results were well above the performance hurdles. Following this achievement, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 300.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board conducted a thorough and balanced performance assessment. Based on the outcomes of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 312.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">this and their overall achievements, the Supervisory Board concluded that the Executive Board members <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 324.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">delivered strong results in 2023. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 351.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, the Supervisory Board considered whether any discretionary adjustment was required and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 363.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">determined that both the financial and non-financial results speak for themselves in the current <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 375.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">environment. The Supervisory Board also considered the behaviour of the Executive Board members and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 387.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">saw no reason to apply any discretionary adjustments.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In the final step, the Supervisory Board took into consideration the feedback of the CRO and Risk Committee <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on risk and compliance matters. Here, there was no reason to apply any individual additional risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 438.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adjustments in accordance with ING&#8217;s Remuneration Regulations Framework (IRRF). <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: normal; left: 414.96000000000004pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.875pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 465.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Following this performance assessment process the resulting variable remuneration award for Steven van <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 477.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Rijswijk is &#8364;299,565; for Tanate Phutrakul &#8364;224,104; and for Ljiljana &#268;ortan &#8364;208,043. For the CEO, this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 489.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">equates to a variable remuneration award at 17 percent out of the maximum 20 percent cap. For the CFO, it <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">represents 18 percent out of the maximum 20 percent cap, and for the CRO, it represents 17 percent out of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the maximum 20 percent cap (see table 3. '2023 variable remuneration outcomes').<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 126.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As recognised in the profit or loss statement of 2023, the expenses for each Executive Board member (active <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 138.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on 31 December 2023), relating to their role on the Executive Board, amount to &#8364;2.4 million for the CEO, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 150.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;1.8 million for the CFO and &#8364;1.8 million for the CRO. These amounts include deferred elements from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 162.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">previous years, paid out in 2023.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: normal; left: 699.92pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">3<span style="display: inline-block; height: 4.875pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 189.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following paragraphs (i.e. total direct compensation, pension costs and benefits) show the remuneration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 201.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">awarded to individual Executive Board members with respect to the performance years 2023 and 2022. All <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 213.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board remuneration is paid directly by ING.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">111<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div><div style="left: 0pt; position: var(--position); top: 517.52pt;"><div style="width: 1000pt;"><div style="line-height: 8pt; position: var(--position); top: 0pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 5.2pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; top: -2.0999999999999996pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 3.9000000000000004pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 42.89pt; position: var(--position); text-decoration: none; white-space: pre;"> The IRRF consists of the most important regulatory requirements with respect to remuneration to which all remuneration policies of <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 9.6pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 25.8pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; &#160; &#160; &#160; majority-owned entities have to adhere. Furthermore, it consists of our general remuneration principles that apply to all staff globally<span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 19.2pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 25.8pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; &#160; &#160; &#160; working under the responsibility of ING. <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 28.8pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 5.2pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; top: -2.0999999999999996pt; vertical-align: super; white-space: pre;">3<span style="display: inline-block; height: 3.9000000000000004pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 42.89pt; position: var(--position); text-decoration: none; white-space: pre;"> In addition, ING Group offers a Directors &amp; Officers indemnity (see also Article 26 of our Articles of Association), under which genuine<span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 38.4pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 25.8pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; &#160; &#160; &#160; expenses are provided.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 134.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 73.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 87.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 87.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 107.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 95.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 98.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 132pt;"/></tr><tr style="height: 14.25pt;"><td colspan="11" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">4. 2023 variable remuneration outcomes<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 193.5pt; position: var(--position); top: 14.25pt; width: 198pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 198pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 54.93pt; position: var(--position); text-decoration: none; white-space: pre;">1. Fixed remuneration<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 14.25pt; width: 175.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 175.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.56pt; position: var(--position); text-decoration: none; white-space: pre;">2. Variable remuneration<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 567pt; position: var(--position); top: 14.25pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.02pt; position: var(--position); text-decoration: none; white-space: pre;">3. Extraordinary items<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 674.25pt; position: var(--position); top: 14.25pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.93pt; position: var(--position); text-decoration: none; white-space: pre;">4. Pension benefits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 769.5pt; position: var(--position); top: 14.25pt; width: 98.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 98.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.37pt; position: var(--position); text-decoration: none; white-space: pre;">5. Total remuneration<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 867.75pt; position: var(--position); top: 14.25pt; width: 132pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 132pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.4pt; position: var(--position); text-decoration: none; white-space: pre;">6. Proportion of fixed and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 132pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.12pt; position: var(--position); text-decoration: none; white-space: pre;">variable remuneration<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 28.5pt; width: 134.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 134.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts in euros (rounded <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 134.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">figures)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 193.5pt; position: var(--position); top: 28.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.14pt; position: var(--position); text-decoration: none; white-space: pre;">Base salary<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 255.75pt; position: var(--position); top: 28.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.09pt; position: var(--position); text-decoration: none; white-space: pre;">Fees<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 318pt; position: var(--position); top: 28.5pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other benefits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 391.5pt; position: var(--position); top: 28.5pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.16pt; position: var(--position); text-decoration: none; white-space: pre;">One-year variable<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 78.3pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 479.25pt; position: var(--position); top: 28.5pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.2pt; position: var(--position); text-decoration: none; white-space: pre;">Multi-year variable<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 52.5pt; width: 134.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 134.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Steven van Rijswijk (CEO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 134.25pt; position: var(--position); top: 52.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 193.5pt; position: var(--position); top: 52.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.27pt;"></span></span><span style="left: 18.9pt; position: var(--position);">1,776,300<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 255.75pt; position: var(--position); top: 52.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.04pt;"></span></span><span style="left: 49.67pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 318pt; position: var(--position); top: 52.5pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.74pt;"></span></span><span style="left: 37.370000000000005pt; position: var(--position);">503,300<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 52.5pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.99pt;"></span></span><span style="left: 51.620000000000005pt; position: var(--position);">299,600<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 479.25pt; position: var(--position); top: 52.5pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.54pt;"></span></span><span style="left: 75.17pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 567pt; position: var(--position); top: 52.5pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.04pt;"></span></span><span style="left: 94.67pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 674.25pt; position: var(--position); top: 52.5pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.55pt;"></span></span><span style="left: 64.17999999999999pt; position: var(--position);">26,100<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 52.5pt; width: 98.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 98.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 55.88pt; position: var(--position); text-decoration: none; white-space: pre;">2,605,200<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 867.75pt; position: var(--position); top: 52.5pt; width: 132pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 132pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 71.83pt; position: var(--position); text-decoration: none; white-space: pre;">88.5% / 11.5%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 134.25pt; position: var(--position); top: 66.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 193.5pt; position: var(--position); top: 66.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.27pt;"></span></span><span style="left: 18.9pt; position: var(--position);">1,776,300<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 255.75pt; position: var(--position); top: 66.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.04pt;"></span></span><span style="left: 49.67pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 318pt; position: var(--position); top: 66.75pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.74pt;"></span></span><span style="left: 37.370000000000005pt; position: var(--position);">474,600<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 66.75pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.99pt;"></span></span><span style="left: 51.620000000000005pt; position: var(--position);">276,800<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 479.25pt; position: var(--position); top: 66.75pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.54pt;"></span></span><span style="left: 75.17pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 567pt; position: var(--position); top: 66.75pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.04pt;"></span></span><span style="left: 94.67pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 674.25pt; position: var(--position); top: 66.75pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.55pt;"></span></span><span style="left: 64.17999999999999pt; position: var(--position);">23,300<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 66.75pt; width: 98.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 98.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.27pt;"></span></span><span style="left: 54.900000000000006pt; position: var(--position);">2,551,000<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 867.75pt; position: var(--position); top: 66.75pt; width: 132pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 132pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 71.83pt; position: var(--position); text-decoration: none; white-space: pre;">89.1% / 10.9%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 15pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 96pt; width: 134.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 134.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Tanate Phutrakul (CFO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 134.25pt; position: var(--position); top: 96pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 193.5pt; position: var(--position); top: 96pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.27pt;"></span></span><span style="left: 18.9pt; position: var(--position);">1,221,700<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 255.75pt; position: var(--position); top: 96pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.04pt;"></span></span><span style="left: 49.67pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 318pt; position: var(--position); top: 96pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.74pt;"></span></span><span style="left: 37.370000000000005pt; position: var(--position);">362,300<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 96pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.99pt;"></span></span><span style="left: 51.620000000000005pt; position: var(--position);">224,100<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 479.25pt; position: var(--position); top: 96pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.54pt;"></span></span><span style="left: 75.17pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 567pt; position: var(--position); top: 96pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.04pt;"></span></span><span style="left: 94.67pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 674.25pt; position: var(--position); top: 96pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.55pt;"></span></span><span style="left: 64.17999999999999pt; position: var(--position);">26,100<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 96pt; width: 98.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 98.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 55.88pt; position: var(--position); text-decoration: none; white-space: pre;">1,834,200<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 867.75pt; position: var(--position); top: 96pt; width: 132pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 132pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 71.83pt; position: var(--position); text-decoration: none; white-space: pre;">87.8% / 12.2%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 134.25pt; position: var(--position); top: 110.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 193.5pt; position: var(--position); top: 110.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.27pt;"></span></span><span style="left: 18.9pt; position: var(--position);">1,221,700<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 255.75pt; position: var(--position); top: 110.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.04pt;"></span></span><span style="left: 49.67pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 318pt; position: var(--position); top: 110.25pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.74pt;"></span></span><span style="left: 37.370000000000005pt; position: var(--position);">337,700<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 110.25pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.99pt;"></span></span><span style="left: 51.620000000000005pt; position: var(--position);">191,400<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 479.25pt; position: var(--position); top: 110.25pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.54pt;"></span></span><span style="left: 75.17pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 567pt; position: var(--position); top: 110.25pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.04pt;"></span></span><span style="left: 94.67pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 674.25pt; position: var(--position); top: 110.25pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.55pt;"></span></span><span style="left: 64.17999999999999pt; position: var(--position);">23,300<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 110.25pt; width: 98.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 98.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.27pt;"></span></span><span style="left: 54.900000000000006pt; position: var(--position);">1,774,100<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 867.75pt; position: var(--position); top: 110.25pt; width: 132pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 132pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 71.83pt; position: var(--position); text-decoration: none; white-space: pre;">89.2% / 10.8%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 15pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 139.5pt; width: 134.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 134.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Ljiljana &#268;ortan (CRO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 134.25pt; position: var(--position); top: 139.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 193.5pt; position: var(--position); top: 139.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.27pt;"></span></span><span style="left: 18.9pt; position: var(--position);">1,221,700<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 255.75pt; position: var(--position); top: 139.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.04pt;"></span></span><span style="left: 49.67pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 318pt; position: var(--position); top: 139.5pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.74pt;"></span></span><span style="left: 37.370000000000005pt; position: var(--position);">481,400<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 139.5pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.99pt;"></span></span><span style="left: 51.620000000000005pt; position: var(--position);">208,000<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 479.25pt; position: var(--position); top: 139.5pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.54pt;"></span></span><span style="left: 75.17pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 567pt; position: var(--position); top: 139.5pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.04pt;"></span></span><span style="left: 94.67pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 674.25pt; position: var(--position); top: 139.5pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.55pt;"></span></span><span style="left: 64.17999999999999pt; position: var(--position);">26,100<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 139.5pt; width: 98.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 98.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 55.88pt; position: var(--position); text-decoration: none; white-space: pre;">1,937,200<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 867.75pt; position: var(--position); top: 139.5pt; width: 132pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 132pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 71.83pt; position: var(--position); text-decoration: none; white-space: pre;">89.3% / 10.7%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 134.25pt; position: var(--position); top: 153.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 193.5pt; position: var(--position); top: 153.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.27pt;"></span></span><span style="left: 18.9pt; position: var(--position);">1,221,700<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 255.75pt; position: var(--position); top: 153.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.04pt;"></span></span><span style="left: 49.67pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 318pt; position: var(--position); top: 153.75pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.74pt;"></span></span><span style="left: 37.370000000000005pt; position: var(--position);">494,800<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 153.75pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.99pt;"></span></span><span style="left: 51.620000000000005pt; position: var(--position);">201,000<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 479.25pt; position: var(--position); top: 153.75pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.54pt;"></span></span><span style="left: 75.17pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 567pt; position: var(--position); top: 153.75pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.04pt;"></span></span><span style="left: 94.67pt; position: var(--position);">&#8212;<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 674.25pt; position: var(--position); top: 153.75pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.55pt;"></span></span><span style="left: 64.17999999999999pt; position: var(--position);">23,300<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 153.75pt; width: 98.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 98.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.27pt;"></span></span><span style="left: 54.900000000000006pt; position: var(--position);">1,940,800<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 867.75pt; position: var(--position); top: 153.75pt; width: 132pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 132pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 71.83pt; position: var(--position); text-decoration: none; white-space: pre;">89.6% / 10.4%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 8pt; position: var(--position); top: 237.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1 The variable remuneration percentages over 2023 for the Executive Board members are as follows: CEO 17%, CFO 18% and CRO 17%. Thus the ratio between base salary and total direct compensation is as follows: CEO 85.6%, CFO 84.5% and CRO 85.5%. <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 284.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Benefits<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 307.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The individual members of the Executive Board receive benefits. The table below shows the breakdown of all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 319.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">benefits paid in 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 346.51pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 226.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 86.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 86.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 86.25pt;"/></tr><tr style="height: 12.75pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 1.25pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">5. Breakdown of benefits paid in 2023<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 12.75pt; width: 226.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 226.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts in euros (rounded figures)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 226.5pt; position: var(--position); top: 12.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 86.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.85pt; position: var(--position); text-decoration: none; white-space: pre;">Steven van Rijswijk <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 86.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 61.01pt; position: var(--position); text-decoration: none; white-space: pre;">(CEO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 312.75pt; position: var(--position); top: 12.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 86.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.13pt; position: var(--position); text-decoration: none; white-space: pre;">Tanate Phutrakul <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 86.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 61.36pt; position: var(--position); text-decoration: none; white-space: pre;">(CFO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 399pt; position: var(--position); top: 12.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 86.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 23.49pt; position: var(--position); text-decoration: none; white-space: pre;">Ljiljana &#268;ortan <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 86.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 60.63pt; position: var(--position); text-decoration: none; white-space: pre;">(CRO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 36.75pt; width: 226.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 226.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Contribution individual savings plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 226.5pt; position: var(--position); top: 36.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 56.16pt; position: var(--position); text-decoration: none; white-space: pre;">62,200<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 312.75pt; position: var(--position); top: 36.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 56.16pt; position: var(--position); text-decoration: none; white-space: pre;">42,800<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 36.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 56.16pt; position: var(--position); text-decoration: none; white-space: pre;">42,800<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 49.5pt; width: 226.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 226.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Individual savings allowance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 226.5pt; position: var(--position); top: 49.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 51.1pt; position: var(--position); text-decoration: none; white-space: pre;">367,200<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 312.75pt; position: var(--position); top: 49.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 51.1pt; position: var(--position); text-decoration: none; white-space: pre;">243,600<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 399pt; position: var(--position); top: 49.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 51.1pt; position: var(--position); text-decoration: none; white-space: pre;">243,600<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 63.75pt; width: 226.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 226.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Travel and accident insurance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 226.5pt; position: var(--position); top: 63.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 56.16pt; position: var(--position); text-decoration: none; white-space: pre;">15,000<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 312.75pt; position: var(--position); top: 63.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 56.16pt; position: var(--position); text-decoration: none; white-space: pre;">15,000<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 63.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 56.16pt; position: var(--position); text-decoration: none; white-space: pre;">15,000<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 76.5pt; width: 226.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 226.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other benefits<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 60.080000000000005pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 226.5pt; position: var(--position); top: 76.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 56.16pt; position: var(--position); text-decoration: none; white-space: pre;">58,800<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 312.75pt; position: var(--position); top: 76.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 56.16pt; position: var(--position); text-decoration: none; white-space: pre;">60,900<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 76.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 51.1pt; position: var(--position); text-decoration: none; white-space: pre;">180,100<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 8pt; position: var(--position); top: 440.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">This includes expatriate allowances (such as housing, school/tuition fees and international health insurances, if applicable); banking <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 450.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">and insurance benefits from ING (on the same terms as for other employees of ING in the Netherlands); tax and financial planning <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 459.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">services to ensure compliance with the relevant legislative requirements; reimbursement of costs under the Directors &amp; Officers <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 469.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">indemnity provided by ING; the use of a company car or driver service.<span style="display: inline-block; height: 6pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">112<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Shares<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred shares are shares conditionally granted subject to a tiered vesting over a period of five years (for awards in 2023 and before), with the ultimate value of each deferred share based on ING&#8217;s share price on the vesting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">date. This is conditional on there being no holdback. The main condition for vesting is that these shares require continued employment through vesting date. The table below details all share-based remuneration for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 111.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board members. This new format is in line with the draft (non-binding) 'Guidelines on the standardised presentation of the remuneration report' from the European Commission. The main change is to provide more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 123.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">detail of share-based remuneration processed during 2023, including new award grants, vesting events, any adjustments made to awards in year and also details of awards that are subject to retention obligations post <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 135.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">vesting during the year. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 162.71pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 72.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 167.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 54.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 65.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 65.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 65.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 65.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="15" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">6. Share-based remuneration for Executive Board members<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="5" rowspan="2" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 28.5pt; left: 72.75pt; position: var(--position); top: 14.25pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">The main conditions of share award plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="9" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 14.25pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Information regarding the reported financial year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 28.5pt; width: 192.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 192.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 28.5pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">During the year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="4" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 28.5pt; width: 240.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 240.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 56.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 72.75pt; position: var(--position); top: 42.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1. Specification of plan<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 92.94pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 240pt; position: var(--position); top: 42.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2. <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Performan<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ce period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 290.25pt; position: var(--position); top: 42.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3. Grant/<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">offering date<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 349.5pt; position: var(--position); top: 42.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4. Vesting <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">date<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 405.75pt; position: var(--position); top: 42.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5. End of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">retention <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 460.5pt; position: var(--position); top: 42.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6A. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">held at the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">beginning of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 525.75pt; position: var(--position); top: 42.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6B. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">subject to <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">retention at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the beginning <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">of the year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 591pt; position: var(--position); top: 42.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6C. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">sold-to-cover<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 56pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 653.25pt; position: var(--position); top: 42.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">7. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">granted/<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">offered<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 711pt; position: var(--position); top: 42.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">8. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">vested<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 759pt; position: var(--position); top: 42.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">9. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">subject to a <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performance <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">condition<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 819pt; position: var(--position); top: 42.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">10. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">granted/<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">offered and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">unvested at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">year-end<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 884.25pt; position: var(--position); top: 42.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">11A. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">subject to a <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">retention <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 949.5pt; position: var(--position); top: 42.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">11B. <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Vested <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">sold-to-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">cover<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 24.529999999999998pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td></tr><tr style="height: 15pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 114pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Steven van <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rijswijk (CEO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 72.75pt; position: var(--position); top: 114pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 240pt; position: var(--position); top: 114pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2017<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 290.25pt; position: var(--position); top: 114pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2018<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 349.5pt; position: var(--position); top: 114pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 405.75pt; position: var(--position); top: 114pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 460.5pt; position: var(--position); top: 114pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 525.75pt; position: var(--position); top: 114pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">179<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 591pt; position: var(--position); top: 114pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">167<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 653.25pt; position: var(--position); top: 114pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 711pt; position: var(--position); top: 114pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 759pt; position: var(--position); top: 114pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">NA<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 819pt; position: var(--position); top: 114pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 884.25pt; position: var(--position); top: 114pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 949.5pt; position: var(--position); top: 114pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 138pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 138pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2017<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 138pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2018<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 138pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 138pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 138pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">346<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 138pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 138pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 138pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 138pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">346<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 138pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 138pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 138pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">179<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 138pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">167<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 152.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Upfront Shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 152.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2017<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 152.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/10/2018<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 152.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/10/2018<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 152.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/10/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 152.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 152.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,400<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 152.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,234<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 152.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 152.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 152.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 152.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 152.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 152.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 166.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 166.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2017<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 166.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/10/2018<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 166.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 166.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/10/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 166.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 166.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">415<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 166.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">375<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 166.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 166.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 166.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 166.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 166.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 166.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 180.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 180.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2017<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 180.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/10/2018<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 180.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 180.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/10/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 180.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 180.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">427<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 180.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">363<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 180.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 180.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 180.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 180.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 180.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 180.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 195pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 195pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2017<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 195pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/10/2018<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 195pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 195pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/10/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 195pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 195pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">419<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 195pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">371<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 195pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 195pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 195pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 195pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 195pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 195pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 209.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 209.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2017<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 209.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/10/2018<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 209.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 209.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 209.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 209.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">410<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 209.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">380<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 209.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 209.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 209.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 209.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 209.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 209.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 223.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 223.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2017<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 223.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/10/2018<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 223.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 223.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 223.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">790<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 223.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 223.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 223.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 223.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">790<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 223.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 223.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 223.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">410<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 223.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">380<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 237.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Upfront Shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 237.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 237.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 237.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 237.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 237.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 237.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4,193<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 237.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3,350<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 237.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 237.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 237.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 237.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 237.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4,193<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 237.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 252pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 252pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 252pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 252pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 252pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 252pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 252pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,241<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 252pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 252pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 252pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 252pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 252pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 252pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,241<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 252pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 266.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 266.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 266.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 266.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 266.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 266.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 266.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,224<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 266.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,039<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 266.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 266.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 266.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 266.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 266.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,224<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 266.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 280.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 280.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 280.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 280.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 280.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 280.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,263<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 280.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 280.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 280.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 280.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,263<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 280.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 280.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 280.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,202<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 280.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,061<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 294.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 294.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 294.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 294.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 294.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 294.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,263<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 294.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 294.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 294.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 294.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 294.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 294.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,263<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 294.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 294.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 309pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 309pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 309pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 309pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 309pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2026<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 309pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,263<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 309pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 309pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 309pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 309pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 309pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 309pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,263<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 309pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 309pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 323.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Upfront Shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 323.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 323.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 323.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 323.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 323.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 323.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5,108<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 323.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4,082<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 323.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 323.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 323.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 323.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 323.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5,108<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 323.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 337.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 337.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 337.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 337.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 337.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 337.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,757<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 337.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 337.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 337.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 337.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,757<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 337.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 337.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 337.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,512<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 337.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,245<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 351.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 351.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 351.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 351.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 351.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 351.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,757<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 351.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 351.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 351.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 351.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 351.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 351.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,757<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 351.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 351.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 366pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 366pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 366pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 366pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 366pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 366pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,757<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 366pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 366pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 366pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 366pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 366pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 366pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,757<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 366pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 366pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 380.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 380.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 380.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 380.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2026<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 380.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 380.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,757<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 380.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 380.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 380.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 380.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 380.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 380.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,757<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 380.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 380.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">113<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 72.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 167.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 54.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 65.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 65.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 65.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 65.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="15" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">6. Share-based remuneration for Executive Board members<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="5" rowspan="2" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 28.5pt; left: 72.75pt; position: var(--position); top: 14.25pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">The main conditions of share award plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="9" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 14.25pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Information regarding the reported financial year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 28.5pt; width: 192.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 192.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 28.5pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">During the year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="4" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 28.5pt; width: 240.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 240.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 56.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 72.75pt; position: var(--position); top: 42.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1. Specification of plan<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 92.94pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 240pt; position: var(--position); top: 42.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2. <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Performan<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ce period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 290.25pt; position: var(--position); top: 42.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3. Grant/<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">offering date<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 349.5pt; position: var(--position); top: 42.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4. Vesting <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">date<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 405.75pt; position: var(--position); top: 42.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5. End of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">retention <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 460.5pt; position: var(--position); top: 42.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6A. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">held at the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">beginning of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 525.75pt; position: var(--position); top: 42.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6B. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">subject to <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">retention at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the beginning <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">of the year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 591pt; position: var(--position); top: 42.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6C. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">sold-to-cover<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 56pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 653.25pt; position: var(--position); top: 42.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">7. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">granted/<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">offered<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 711pt; position: var(--position); top: 42.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">8. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">vested<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 759pt; position: var(--position); top: 42.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">9. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">subject to a <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performance <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">condition<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 819pt; position: var(--position); top: 42.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">10. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">granted/<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">offered and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">unvested at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">year-end<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 884.25pt; position: var(--position); top: 42.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">11A. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">subject to a <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">retention <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 949.5pt; position: var(--position); top: 42.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">11B. <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Vested <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">sold-to-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">cover<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 24.529999999999998pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 99pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 99pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 99pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 99pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 99pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 99pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,757<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 99pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 99pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 99pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 99pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 99pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 99pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,757<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 99pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 99pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 113.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Upfront Shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 113.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 113.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 113.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 113.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 113.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 113.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 113.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 113.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">8,718<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 113.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">8,718<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 113.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 113.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 113.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4,846<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 113.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3,872<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 127.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 127.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 127.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 127.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 127.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 127.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 127.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 127.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 127.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,615<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 127.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 127.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 127.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,615<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 127.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 127.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 141.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 141.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 141.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 141.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 141.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 141.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 141.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 141.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 141.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,615<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 141.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 141.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 141.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,615<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 141.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 141.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 156pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 156pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 156pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 156pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2026<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 156pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 156pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 156pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 156pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 156pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,615<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 156pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 156pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 156pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,615<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 156pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 156pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 170.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 170.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 170.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 170.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 170.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 170.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 170.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 170.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 170.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,615<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 170.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 170.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 170.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,615<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 170.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 170.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 184.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 184.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 184.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 184.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 184.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2029<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 184.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 184.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 184.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 184.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,618<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 184.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 184.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 184.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,618<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 184.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 184.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 198.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 198.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">21,710<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 198.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">15,016<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 198.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">12,383<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 198.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">21,796<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 198.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">14,874<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 198.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">28,632<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 198.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">19,915<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 198.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6,725<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 213pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Tanate <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Phutrakul (CFO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 72.75pt; position: var(--position); top: 213pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Unit Idnt (Equity settled)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 240pt; position: var(--position); top: 213pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2016<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 290.25pt; position: var(--position); top: 213pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2017<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 349.5pt; position: var(--position); top: 213pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 405.75pt; position: var(--position); top: 213pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">NULL<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 460.5pt; position: var(--position); top: 213pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">485<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 525.75pt; position: var(--position); top: 213pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 591pt; position: var(--position); top: 213pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 653.25pt; position: var(--position); top: 213pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 711pt; position: var(--position); top: 213pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">485<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 759pt; position: var(--position); top: 213pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 819pt; position: var(--position); top: 213pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 884.25pt; position: var(--position); top: 213pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">238<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 949.5pt; position: var(--position); top: 213pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">247<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 237pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Unit Idnt (Equity settled)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 237pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2017<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 237pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2018<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 237pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 237pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">NULL<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 237pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">397<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 237pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 237pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 237pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 237pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">397<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 237pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 237pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 237pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">197<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 237pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">200<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 251.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Unit Idnt (Equity settled)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 251.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2017<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 251.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2018<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 251.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 251.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">NULL<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 251.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">401<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 251.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 251.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 251.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 251.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 251.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 251.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">401<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 251.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 251.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 265.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 265.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2018<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 265.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 265.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 265.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 265.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 265.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">117<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 265.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">110<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 265.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 265.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 265.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 265.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 265.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 265.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 279.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 279.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2018<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 279.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 279.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 279.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 279.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">227<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 279.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 279.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 279.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 279.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">227<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 279.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 279.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 279.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">117<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 279.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">110<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 294pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 294pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2018<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 294pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 294pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 294pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3/27/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 294pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">227<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 294pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 294pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 294pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 294pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 294pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 294pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">227<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 294pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 294pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 308.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Upfront Shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 308.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 308.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 308.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 308.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 308.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 308.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3,934<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 308.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3,144<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 308.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 308.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 308.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 308.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 308.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3,934<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 308.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 322.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 322.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 322.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 322.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 322.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 322.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 322.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,164<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 322.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">959<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 322.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 322.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 322.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 322.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 322.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,164.00<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 322.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 336.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 336.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 336.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 336.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 336.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 336.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 336.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,148<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 336.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">975<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 336.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 336.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 336.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 336.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 336.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,148<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 336.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 351pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 351pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 351pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 351pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 351pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 351pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,123<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 351pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 351pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 351pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 351pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,123<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 351pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 351pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 351pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,127<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 351pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">996<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 365.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 365.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 365.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 365.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 365.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 365.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,123<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 365.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 365.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 365.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 365.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 365.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 365.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,123<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 365.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 365.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 379.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 379.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2019<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 379.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 379.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 379.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2026<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 379.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,124<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 379.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 379.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 379.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 379.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 379.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 379.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,124<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 379.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 379.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 393.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Upfront Shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 393.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 393.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 393.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 393.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 393.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 393.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3,700<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 393.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,956<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 393.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 393.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 393.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 393.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 393.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3,700<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 393.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 408pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 408pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 408pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 408pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 408pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 408pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,997<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 408pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 408pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 408pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 408pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,997<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 408pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 408pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 408pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,095<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 408pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">902<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 422.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 422.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 422.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 422.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 422.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 422.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,997<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 422.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 422.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 422.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 422.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 422.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 422.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,997<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 422.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 422.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 436.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 436.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 436.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 436.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 436.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 436.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,997<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 436.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 436.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 436.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 436.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 436.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 436.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,997<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 436.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 436.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 450.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 450.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 450.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 450.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2026<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 450.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 450.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,997<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 450.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 450.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 450.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 450.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 450.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 450.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,997<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 450.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 450.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 465pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 465pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 465pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 465pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 465pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 465pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,997<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 465pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 465pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 465pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 465pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 465pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 465pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,997<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 465pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 465pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 479.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Upfront Shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 479.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 479.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 479.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 479.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 479.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 479.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 479.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 479.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6,029<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 479.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6,029<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 479.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 479.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 479.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3,351<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 479.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,678<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">114<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 72.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 167.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 54.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 65.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 65.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 65.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 65.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="15" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">6. Share-based remuneration for Executive Board members<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="5" rowspan="2" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 28.5pt; left: 72.75pt; position: var(--position); top: 14.25pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">The main conditions of share award plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="9" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 14.25pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Information regarding the reported financial year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 28.5pt; width: 192.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 192.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 28.5pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">During the year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="4" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 28.5pt; width: 240.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 240.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 56.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 72.75pt; position: var(--position); top: 42.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1. Specification of plan<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 92.94pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 240pt; position: var(--position); top: 42.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2. <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Performan<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ce period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 290.25pt; position: var(--position); top: 42.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3. Grant/<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">offering date<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 349.5pt; position: var(--position); top: 42.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4. Vesting <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">date<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 405.75pt; position: var(--position); top: 42.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5. End of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">retention <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 460.5pt; position: var(--position); top: 42.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6A. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">held at the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">beginning of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 525.75pt; position: var(--position); top: 42.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6B. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">subject to <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">retention at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the beginning <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">of the year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 591pt; position: var(--position); top: 42.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6C. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">sold-to-cover<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 56pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 653.25pt; position: var(--position); top: 42.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">7. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">granted/<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">offered<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 711pt; position: var(--position); top: 42.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">8. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">vested<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 759pt; position: var(--position); top: 42.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">9. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">subject to a <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performance <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">condition<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 819pt; position: var(--position); top: 42.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">10. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">granted/<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">offered and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">unvested at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">year-end<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 884.25pt; position: var(--position); top: 42.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">11A. Shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">subject to a <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">retention <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 56.25pt; left: 949.5pt; position: var(--position); top: 42.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">11B. <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Vested <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">sold-to-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">cover<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 24.529999999999998pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 99pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 99pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 99pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 99pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 99pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 99pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 99pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 99pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 99pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,808<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 99pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 99pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 99pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,808<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 99pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 99pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 113.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 113.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 113.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 113.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 113.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 113.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 113.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 113.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 113.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,808<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 113.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 113.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 113.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,808<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 113.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 113.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 127.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 127.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 127.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 127.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2026<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 127.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 127.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 127.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 127.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 127.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,808<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 127.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 127.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 127.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,808<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 127.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 127.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 141.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 141.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 141.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 141.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 141.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 141.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 141.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 141.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 141.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,808<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 141.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 141.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 141.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,808<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 141.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 141.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 156pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 156pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 156pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 156pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 156pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2029<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 156pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 156pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 156pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 156pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,811<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 156pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 156pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 156pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,811<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 156pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 156pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 170.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 170.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">18,092<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 170.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">10,063<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 170.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">8,144<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 170.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">15,072<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 170.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">11,258<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 170.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">21,906<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 170.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">16,071<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 170.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5,133<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 184.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Ljiljana &#268;ortan <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(CRO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 72.75pt; position: var(--position); top: 184.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Upfront Shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 240pt; position: var(--position); top: 184.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 290.25pt; position: var(--position); top: 184.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 349.5pt; position: var(--position); top: 184.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 405.75pt; position: var(--position); top: 184.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 460.5pt; position: var(--position); top: 184.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 525.75pt; position: var(--position); top: 184.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4,478<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 591pt; position: var(--position); top: 184.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,936<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 653.25pt; position: var(--position); top: 184.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 711pt; position: var(--position); top: 184.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 759pt; position: var(--position); top: 184.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 819pt; position: var(--position); top: 184.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 884.25pt; position: var(--position); top: 184.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4,478<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 949.5pt; position: var(--position); top: 184.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 208.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 208.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 208.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 208.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 208.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 208.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,924<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 208.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 208.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 208.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 208.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,924<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 208.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 208.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 208.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,331<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 208.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">593<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 222.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 222.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 222.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 222.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 222.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 222.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,924<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 222.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 222.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 222.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 222.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 222.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 222.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,924<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 222.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 222.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 237pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 237pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 237pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 237pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 237pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 237pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,924<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 237pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 237pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 237pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 237pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 237pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 237pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,924<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 237pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 237pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 251.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 251.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 251.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 251.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2026<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 251.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 251.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,924<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 251.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 251.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 251.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 251.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 251.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 251.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,924<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 251.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 251.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 265.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 265.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 265.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/9/2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 265.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 265.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 265.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,925<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 265.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 265.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 265.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 265.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 265.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 265.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,925<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 265.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 265.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 279.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Upfront Shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 279.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 279.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 279.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 279.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 279.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 279.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 279.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 279.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6,330<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 279.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6,330<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 279.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 279.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 279.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4,419<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 279.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,911<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 294pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 294pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 294pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 294pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 294pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 294pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 294pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 294pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 294pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,899<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 294pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 294pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 294pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,899<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 294pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 294pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 308.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 308.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 308.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 308.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 308.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 308.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 308.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 308.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 308.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,899<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 308.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 308.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 308.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,899<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 308.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 308.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 322.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 322.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 322.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 322.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2026<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 322.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 322.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 322.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 322.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 322.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,899<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 322.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 322.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 322.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,899<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 322.5pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 322.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 336.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 336.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 336.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 336.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 336.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 336.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 336.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 336.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 336.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,899<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 336.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 336.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 336.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,899<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 336.75pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 336.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 72.75pt; position: var(--position); top: 351pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">LSPP Deferred Shares Idnt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 351pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 351pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 351pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 351pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5/11/2029<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 351pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 351pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 351pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 351pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,899<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 351pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 759pt; position: var(--position); top: 351pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> NA <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 351pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,899<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 351pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 351pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8212;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 365.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 365.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">9,621<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525.75pt; position: var(--position); top: 365.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4,478<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 365.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1,936<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 653.25pt; position: var(--position); top: 365.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">15,825<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 711pt; position: var(--position); top: 365.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">8,254<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 365.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">17,192<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 884.25pt; position: var(--position); top: 365.25pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">10,228<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 365.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2,504<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">115<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to Executive Board members<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 81.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board members may obtain banking and insurance services from ING Group and its subsidiaries in <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 98.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the ordinary course of their business and on terms that are customary in the sector. The Executive Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 110.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">members do not receive privileged financial services. On 31 December 2023, there were no loans or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 122.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">advances outstanding to the Executive Board members. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 152.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING shares held by Executive Board members<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 169.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board members are encouraged to hold ING shares as a long-term investment to maintain <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 186.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">alignment with ING. The table below shows an overview of the shares held by members of the Executive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 198.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Board on 31 December 2023 and 2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 210.11pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 357.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63.75pt;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 0pt; width: 357.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 1.25pt; width: 357.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">7. ING shares held by Executive Board members<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 12.75pt; width: 357.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 357.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Numbers of shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 357.75pt; position: var(--position); top: 12.75pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 40.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 421.5pt; position: var(--position); top: 12.75pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 40.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 25.5pt; width: 357.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 357.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Steven van Rijswijk (CEO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 357.75pt; position: var(--position); top: 25.5pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.66pt; position: var(--position); text-decoration: none; white-space: pre;">92,394<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 421.5pt; position: var(--position); top: 25.5pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.66pt; position: var(--position); text-decoration: none; white-space: pre;">84,245<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 38.25pt; width: 357.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 357.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Tanate Phutrakul (CFO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 357.75pt; position: var(--position); top: 38.25pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.66pt; position: var(--position); text-decoration: none; white-space: pre;">25,619<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 421.5pt; position: var(--position); top: 38.25pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.66pt; position: var(--position); text-decoration: none; white-space: pre;">19,494<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 52.5pt; width: 357.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 357.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Ljiljana &#268;ortan (CRO)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 357.75pt; position: var(--position); top: 52.5pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.66pt; position: var(--position); text-decoration: none; white-space: pre;">10,228<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 421.5pt; position: var(--position); top: 52.5pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.72pt; position: var(--position); text-decoration: none; white-space: pre;">4,478<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">116<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">2024 Executive Board remuneration </span><span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 96.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Under the Executive Board remuneration policy, the Supervisory Board considers base salary increases annually for the Executive Board members and takes into account a range of factors including salary increases of other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 108.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">employees within ING, increase of general price indices and market competitiveness. In consideration of these factors and that no base salary increases were awarded to the Executive Board members in the last three years, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 120.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Supervisory Board has determined that an increase is appropriate. The Supervisory Board has awarded a salary increase of 4.0 percent to each of the Executive Board members. For 2024 the following target areas and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 132.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">percentage weightings will be taken into account for the Executive Board members:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 159.71pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 1006.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 711.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 47.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 47.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 47.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; border-bottom: 0.5pt solid #bfbfbf; border-top: 0.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 864.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 864.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">8. 2024 Target areas<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; border-bottom: 0.5pt solid #bfbfbf; border-top: 0.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 0pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 47.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.09pt; position: var(--position); text-decoration: none; white-space: pre;">CEO<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; border-bottom: 0.5pt solid #bfbfbf; border-top: 0.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 912pt; position: var(--position); top: 0pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 47.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.44pt; position: var(--position); text-decoration: none; white-space: pre;">CFO<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; border-bottom: 0.5pt solid #bfbfbf; border-top: 0.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 959.25pt; position: var(--position); top: 0pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 47.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.71pt; position: var(--position); text-decoration: none; white-space: pre;">CRO<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 0.5pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 0.5pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 0.5pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 0.5pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 14.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Weighting<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 0.5pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 912pt; position: var(--position); top: 14.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Weighting<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 0.5pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 959.25pt; position: var(--position); top: 14.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Weighting<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="3" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 42.75pt; left: 0pt; position: var(--position); top: 28.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 62.25pt; position: var(--position); top: 28.5pt; width: 802.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 802.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Profit before Tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 28.5pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.54pt; position: var(--position); text-decoration: none; white-space: pre;">16.7%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 912pt; position: var(--position); top: 28.5pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.54pt; position: var(--position); text-decoration: none; white-space: pre;">16.7%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 959.25pt; position: var(--position); top: 28.5pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.6pt; position: var(--position); text-decoration: none; white-space: pre;">8.3%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 62.25pt; position: var(--position); top: 42.75pt; width: 802.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 802.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Return on Equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 42.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.54pt; position: var(--position); text-decoration: none; white-space: pre;">16.7%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 912pt; position: var(--position); top: 42.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.54pt; position: var(--position); text-decoration: none; white-space: pre;">16.7%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 959.25pt; position: var(--position); top: 42.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.6pt; position: var(--position); text-decoration: none; white-space: pre;">8.3%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 62.25pt; position: var(--position); top: 57pt; width: 802.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 802.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Operational Expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 57pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.54pt; position: var(--position); text-decoration: none; white-space: pre;">16.7%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 912pt; position: var(--position); top: 57pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.54pt; position: var(--position); text-decoration: none; white-space: pre;">16.7%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 959.25pt; position: var(--position); top: 57pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.6pt; position: var(--position); text-decoration: none; white-space: pre;">8.3%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #FFFFFF; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #FFFFFF; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #FFFFFF; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #FFFFFF; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 71.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;">50%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #FFFFFF; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 912pt; position: var(--position); top: 71.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;">50%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #FFFFFF; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 959.25pt; position: var(--position); top: 71.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;">25%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 41.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-financial<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 62.25pt; position: var(--position); top: 85.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.69pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 153pt; position: var(--position); top: 85.5pt; width: 711.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 5.29pt; width: 711.75pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.6300000000000026pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">&#8226;</span><span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.63pt; position: var(--position); text-decoration: none; white-space: pre;">Increase number of primary customers, as it leads to deeper relationships, greater customer satisfaction and, ultimately, customers choosing ING for more of their<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 16.09pt; width: 711.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; &#160; &#160; &#160; &#160; &#160; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.63pt; position: var(--position); text-decoration: none; white-space: pre;">financial needs;<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 28.09pt; width: 711.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.6300000000000026pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.63pt; position: var(--position); text-decoration: none; white-space: pre;">Increase customer satisfaction of Retail and Wholesale customers by increasing NPS.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 864.75pt; position: var(--position); top: 85.5pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.69pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.6pt; position: var(--position); text-decoration: none; white-space: pre;">7.5%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 912pt; position: var(--position); top: 85.5pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.69pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.82pt; position: var(--position); text-decoration: none; white-space: pre;">5%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 959.25pt; position: var(--position); top: 85.5pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.69pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.63pt; position: var(--position); text-decoration: none; white-space: pre;">NA<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 41.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 62.25pt; position: var(--position); top: 126.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.69pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Risk &amp; Regulatory<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 153pt; position: var(--position); top: 126.75pt; width: 711.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 5.89pt; width: 711.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.6300000000000026pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.63pt; position: var(--position); text-decoration: none; white-space: pre;">Manage financial risk within risk appetite with a specific focus on the revision of the use of internal models;<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 16.69pt; width: 711.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.6300000000000026pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.63pt; position: var(--position); text-decoration: none; white-space: pre;">Manage non-financial risk within risk appetite with a specific focus on identity and access management and operational resilience.<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 27.49pt; width: 711.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.6300000000000026pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deliver on regulatory programmes, including KYC. <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 864.75pt; position: var(--position); top: 126.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.69pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.76pt; position: var(--position); text-decoration: none; white-space: pre;">15%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 912pt; position: var(--position); top: 126.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.69pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.54pt; position: var(--position); text-decoration: none; white-space: pre;">17.5%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 959.25pt; position: var(--position); top: 126.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.69pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.76pt; position: var(--position); text-decoration: none; white-space: pre;">45%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 41.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 62.25pt; position: var(--position); top: 168pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.69pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Strategy<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 153pt; position: var(--position); top: 168pt; width: 711.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 5.89pt; width: 711.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Execution of the digitalisation strategy by:<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 16.69pt; width: 711.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.6300000000000026pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.63pt; position: var(--position); text-decoration: none; white-space: pre;">Increase digitisation and STP rate of customer processes;<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 27.49pt; width: 711.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.6300000000000026pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.63pt; position: var(--position); text-decoration: none; white-space: pre;">Increase efficiency of risk and finance processes while maintaining the effectiveness of controls.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 864.75pt; position: var(--position); top: 168pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.69pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.54pt; position: var(--position); text-decoration: none; white-space: pre;">12.5%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 912pt; position: var(--position); top: 168pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.69pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.54pt; position: var(--position); text-decoration: none; white-space: pre;">12.5%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 959.25pt; position: var(--position); top: 168pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.69pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.76pt; position: var(--position); text-decoration: none; white-space: pre;">15%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 134.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 134.25pt; left: 62.25pt; position: var(--position); top: 209.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 57.79pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Environment &amp; <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 68.59pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Social<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 134.25pt; left: 153pt; position: var(--position); top: 209.25pt; width: 711.75pt;"><div><div style="line-height: 16pt; position: var(--position); top: 2.63pt; width: 711.75pt;"><span style="background-color: #ffffff; color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 2.629999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">&#8226;</span><span style="display: inline-block; height: 12pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Environment:</span><span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 21.83pt; width: 711.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.6300000000000026pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.63pt; position: var(--position); text-decoration: none; white-space: pre;">Increase sustainable volume mobilised;<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 32.63pt; width: 711.75pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.6300000000000026pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">&#8226;</span><span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.63pt; position: var(--position); text-decoration: none; white-space: pre;">Support the transition of the most carbon-intensive sectors in Wholesale Banking (being Power Generation, Oil &amp; Gas, Cement, Steel, Automotive, Aviation, Shipping <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 43.43pt; width: 711.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; &#160; &#160; &#160; &#160; &#160; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.63pt; position: var(--position); text-decoration: none; white-space: pre;">and Commercial Real Estate) towards a better carbon performance, in line with our 2030 decarbonisation target;<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 55.43pt; width: 711.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.6300000000000026pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.63pt; position: var(--position); text-decoration: none; white-space: pre;">Prepare for CSRD disclosure requirements;<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 66.23pt; width: 711.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.6300000000000026pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.63pt; position: var(--position); text-decoration: none; white-space: pre;">Implementation of ESG risk assessment methodology following CSRD requirements.<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 87.83pt; width: 711.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 2.629999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">Social:<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 107.03pt; width: 711.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.6300000000000026pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.63pt; position: var(--position); text-decoration: none; white-space: pre;">Strengthen organisational health with a focus on four priority areas: strategic clarity, role clarity, customer focus, operationally disciplined;<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 117.83pt; width: 711.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.6300000000000026pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.63pt; position: var(--position); text-decoration: none; white-space: pre;">Increase gender balance in ING's leadership cadre.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 134.25pt; left: 864.75pt; position: var(--position); top: 209.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 63.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.76pt; position: var(--position); text-decoration: none; white-space: pre;">15%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 134.25pt; left: 912pt; position: var(--position); top: 209.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 63.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.76pt; position: var(--position); text-decoration: none; white-space: pre;">15%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 134.25pt; left: 959.25pt; position: var(--position); top: 209.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 63.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.76pt; position: var(--position); text-decoration: none; white-space: pre;">15%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #FFFFFF; border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #FFFFFF; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #FFFFFF; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #FFFFFF; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 343.5pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;">50%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #FFFFFF; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 912pt; position: var(--position); top: 343.5pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;">50%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #FFFFFF; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 959.25pt; position: var(--position); top: 343.5pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;">75%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #dbdbdb; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 357.75pt; width: 864.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 864.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #dbdbdb; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 357.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.45pt; position: var(--position); text-decoration: none; white-space: pre;">100%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #dbdbdb; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 912pt; position: var(--position); top: 357.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.45pt; position: var(--position); text-decoration: none; white-space: pre;">100%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #dbdbdb; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 959.25pt; position: var(--position); top: 357.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.45pt; position: var(--position); text-decoration: none; white-space: pre;">100%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">117<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration Supervisory Board<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 102.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board remuneration policy<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Supervisory Board remuneration policy is disclosed in full on ing.com in the section &#8216;Remuneration&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Supervisory Board fees for 2023 remained the same as in 2022, as shown in the table below:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 178.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 422.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63pt;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 0pt; width: 422.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 1.25pt; width: 422.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">9. Supervisory Board remuneration structure<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 12.75pt; width: 422.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 422.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts in euros<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 422.25pt; position: var(--position); top: 12.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 39.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 25.5pt; width: 422.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 422.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Annual remuneration<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 422.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 422.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Chairperson<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 422.25pt; position: var(--position); top: 39.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.85pt; position: var(--position); text-decoration: none; white-space: pre;">125,000<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 422.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 422.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Vice-chairperson<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 422.25pt; position: var(--position); top: 52.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.91pt; position: var(--position); text-decoration: none; white-space: pre;">95,000<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 422.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 422.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Member<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 422.25pt; position: var(--position); top: 65.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.91pt; position: var(--position); text-decoration: none; white-space: pre;">70,000<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 422.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 422.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Committee fees (annual amounts)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 422.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 422.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Committee chairperson<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 422.25pt; position: var(--position); top: 90.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.91pt; position: var(--position); text-decoration: none; white-space: pre;">20,000<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 103.5pt; width: 422.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 422.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Committee member<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 422.25pt; position: var(--position); top: 103.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.91pt; position: var(--position); text-decoration: none; white-space: pre;">10,000<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 116.25pt; width: 422.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 422.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Attendance fees (per meeting)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 129pt; width: 422.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 422.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Attendance fee outside country of residence<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 422.25pt; position: var(--position); top: 129pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.97pt; position: var(--position); text-decoration: none; white-space: pre;">2,000<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 141.75pt; width: 422.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 422.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Attendance fee outside continent of residence<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 422.25pt; position: var(--position); top: 141.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.97pt; position: var(--position); text-decoration: none; white-space: pre;">7,500<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 353.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">All fees are paid fully in cash. No variable remuneration is provided to ensure that the Supervisory Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 365.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">members remain independent and can provide objective stewardship of ING, thereby contributing to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 377.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">long-term performance of the company. The Supervisory Board members are not eligible for retirement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 389.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">benefits nor any other benefits in relation to their position on the Supervisory Board. Members of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 401.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board are reimbursed for their travel and ING-related business expenses (such as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 413.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reimbursement of legal costs under the Directors &amp; Officers indemnity provided by ING).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 443.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 Supervisory Board remuneration<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 466.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The image on the right side shows the remuneration, including attendance fees for each Supervisory Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 478.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">member. All fees for the Supervisory Board are paid directly by ING. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g14.jpg" alt="ING REM Report 2023_Supervisory board.jpg" style="height: 433.7pt; width: 420.35pt;"/></div></div></div><div style="line-height: 8pt; position: var(--position); top: 518.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">Karl Guha was appointed to the Supervisory Board by the AGM on 24 April 2023 with effect from 1 July 2023. <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 528.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">Hans Wijers retired on 30 June 2023. The remuneration figures for 2023 reflect a partial year as a member of the Supervisory Board. <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 537.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">3<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">Mariana Gheorghe retired after the AGM on 24 April 2023. The remuneration figures for 2023 reflect a partial year as a member of the <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 547.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board.&#160; <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 557.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">4<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">Alexandra Reich was appointed to the Supervisory Board by the AGM on 24 April 2023 with effect from that date. <span style="display: inline-block; height: 6pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">118<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div style="background-image: url('data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHN0eWxlPSJwb2ludGVyLWV2ZW50czogbm9uZTsiPjxwYXRoIHN0eWxlPSJmaWxsOiB0cmFuc3BhcmVudDsgc3Ryb2tlOiAjMDAwMDAwOyBzdHJva2Utd2lkdGg6IDFwdDsiIGQ9Ik0gNTMuMjkgNzM0LjU2IEggMzE5Ljk2Ij48L3BhdGg+PC9zdmc+'); background-size: 1080pt 607.47pt; height: 607.47pt; position: var(--position); width: 1080pt;"></div><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to Supervisory Board members<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board members may obtain banking and insurance services from ING and its subsidiaries in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ordinary course of their business and on terms that are customary in the sector. The Supervisory Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 111.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">members do not receive privileged financial services. On 31 December 2023, there were no loans or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 123.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">advances outstanding to Supervisory Board members.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 153.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING shares held by Supervisory Board members<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 176.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board members are permitted to hold ING shares as a long-term investment. The table below <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 188.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shows the holdings by members of the Supervisory Board on 31 December 2023 and 2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 215.51pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 474.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 347.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63.75pt;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 0pt; width: 347.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 1.25pt; width: 347.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">10. ING shares held by Supervisory Board members<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 12.75pt; width: 347.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 347.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Numbers of shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 347.25pt; position: var(--position); top: 12.75pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 40.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 411pt; position: var(--position); top: 12.75pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 40.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 25.5pt; width: 347.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 347.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Herman Hulst<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 347.25pt; position: var(--position); top: 25.5pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.72pt; position: var(--position); text-decoration: none; white-space: pre;">3,650<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 411pt; position: var(--position); top: 25.5pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.72pt; position: var(--position); text-decoration: none; white-space: pre;">3,650<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 38.25pt; width: 347.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 347.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Harold Naus<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 347.25pt; position: var(--position); top: 38.25pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.72pt; position: var(--position); text-decoration: none; white-space: pre;">1,645<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 411pt; position: var(--position); top: 38.25pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.72pt; position: var(--position); text-decoration: none; white-space: pre;">1,645<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 14pt; position: var(--position); top: 289.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2024 Supervisory Board remuneration<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 321.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Supervisory Board&#160; remuneration policy is aimed at enabling ING to attract qualified Supervisory Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 333.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">members with the ability, experience, skills, values and behaviours to deliver on ING's strategy and support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 345.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING's purpose. The remuneration level should be aligned with responsibilities, time spent and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 357.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration level in the peer group. The level of fees and remuneration for the ING Supervisory Board has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 369.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">not changed since 2016. Since then the demands on the Supervisory Board members have increased <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 381.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">significantly. The annual remuneration and committee fees of the Supervisory Board are significantly below <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 393.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the median of our peer group. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 420.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">An amended Supervisory Board remuneration policy will be presented for adoption by shareholders at the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 432.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2024 Annual General Meeting. This new policy will include the possibility of an annual indexation of the fees <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 444.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of Supervisory Board members based on the salary increases for the wider workforce within ING.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: normal; left: 470.25pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">4<span style="display: inline-block; height: 4.875pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 473.9pt; position: var(--position); text-decoration: none; white-space: pre;"> In line <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 456.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with this, the annual remuneration and committee fees will be increased by 5.4 percent for the year 2024. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 468.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This indexation is subject to adoption at the 2024 Annual General Meeting of the new Supervisory Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 480.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration policy and would take effect retroactively from 1 January 2024. After the indexation increase, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 492.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Supervisory Board remuneration will remain well below the market median. This results in the following <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 504.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">amounts:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 475.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 411.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63.75pt;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 0pt; width: 411.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 1.25pt; width: 411.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">11. Supervisory Board remuneration<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 12.75pt; width: 411.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 411.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts in euros<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 411.75pt; position: var(--position); top: 12.75pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 40.16pt; position: var(--position); text-decoration: none; white-space: pre;">2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 25.5pt; width: 411.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 411.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Annual remuneration<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 411.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 411.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Chairperson<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 411.75pt; position: var(--position); top: 39.75pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.6pt; position: var(--position); text-decoration: none; white-space: pre;">131,700<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 411.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 411.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Vice-chairperson<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 411.75pt; position: var(--position); top: 52.5pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.6pt; position: var(--position); text-decoration: none; white-space: pre;">100,100<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 65.25pt; width: 411.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 411.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Member<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 411.75pt; position: var(--position); top: 65.25pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.66pt; position: var(--position); text-decoration: none; white-space: pre;">73,700<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 79.5pt; width: 411.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 411.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Committee fees (annual amounts)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 93.75pt; width: 411.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 411.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Committee chairperson<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 411.75pt; position: var(--position); top: 93.75pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.66pt; position: var(--position); text-decoration: none; white-space: pre;">21,000<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 108pt; width: 411.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 411.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Committee member<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 411.75pt; position: var(--position); top: 108pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.66pt; position: var(--position); text-decoration: none; white-space: pre;">10,500<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 122.25pt; width: 411.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 411.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Attendance fees (per meeting)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 136.5pt; width: 411.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 411.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Attendance fee outside country of residence<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 411.75pt; position: var(--position); top: 136.5pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.72pt; position: var(--position); text-decoration: none; white-space: pre;">2,000<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 150.75pt; width: 411.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 411.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Attendance fee outside continent of residence<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 411.75pt; position: var(--position); top: 150.75pt; width: 63.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 63.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.72pt; position: var(--position); text-decoration: none; white-space: pre;">7,500<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 249.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">By annually indexing the Supervisory Board fees, ING will continue to progress towards paying its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 261.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board members just below the median bringing fee levels more in line with peers and with the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 273.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">levels adequate to attract and retain qualified (international) Supervisory Board members. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">119<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div><div style="left: 0pt; position: var(--position); top: 555.92pt;"><div style="width: 1000pt;"><div style="line-height: 8pt; position: var(--position); top: 0pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 5.2pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; top: -2.0999999999999996pt; vertical-align: super; white-space: pre;">4<span style="display: inline-block; height: 3.9000000000000004pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 42.89pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; Included are all countries within the Eurozone where ING operates the full scope of banking services.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">General information impacting all staff<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 97.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">FOR INFORMATION ONLY AT 2024 ING GROEP N.V. ANNUAL GENERAL MEETING (AGM)<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 129.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The primary objective of ING&#8217;s remuneration principles is to attract, motivate and retain qualified expert <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 144.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">leaders as well as senior staff (including Executive Board members) and other highly qualified staff who <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 156.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">have the desired Orange Code values and behaviours, skills and knowledge to deliver on ING&#8217;s purpose in a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 168.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sustainable way.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 192.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The remuneration principles are an integral part of ING&#8217;s strategy and risk profile. They maintain a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 204.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sustainable balance between short- and long-term value creation and build on ING&#8217;s long-term <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 216.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">responsibility towards its employees, customers, shareholders and other stakeholders. Our approach to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 228.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration principles did not change in 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 252.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our remuneration principles apply to all staff and are embedded in ING&#8217;s Remuneration Regulations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 264.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Framework (IRRF) and our people offer (OPO). The OPO sets out ING&#8217;s differentiating offer as an employer in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 276.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the job market and states what we ask from our people in return. It gives guidance to our global people <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 288.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">practices, while supporting our strategy. The IRRF and OPO comply with relevant international and local <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 300.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">legislation and regulations. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 324.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 'Social' under 'Unlocking our people's full potential', ING provides gender pay gap information. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our remuneration principles <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 92.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our remuneration principles apply to all employees and comprise the following:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 119.11pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 485.25pt;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 30pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 30pt; left: 0pt; position: var(--position); top: 12.75pt; width: 485.25pt;"><div><div style="line-height: 10.5pt; position: var(--position); top: 6.9pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Aligned with business strategy<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 130.17000000000002pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; <span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 19.5pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s remuneration principles are aligned with the business strategy and company goals.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 485.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Creates long-term value&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;  <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s remuneration principles contribute to long-term value creation and support a focus on the long-term interests of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">its stakeholders, including employees, customers and shareholders.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 78pt; width: 485.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Responsible and fair&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;  <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In line with our Orange Code values and behaviours, ING acts responsibly and treats staff fairly across the globe.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 102pt; width: 485.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Mitigates risk&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Risk management is an enabler of long-term value creation. ING ensures its remuneration principles are properly <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">correlated with its risk profile and stakeholder interests.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 137.25pt; width: 485.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Performance driven&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING operates a fair, objective and transparent performance management process linked to remuneration to steer and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">motivate all employees to deliver on its strategic goals, aiming to reward success and prevent rewarding for failure.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 172.5pt; width: 485.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Gender-neutral&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;  <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">All staff members will be equally remunerated for equal work or work of equal value, irrespective of their gender.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 26.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #dbdbdb; border-top: 1pt solid #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 0pt; position: var(--position); top: 196.5pt; width: 485.25pt;"><div><div style="line-height: 10.5pt; position: var(--position); top: 3.15pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Sustainable<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 51.260000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;  <span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 15.75pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING supports the sustainable recruitment, engagement and retention of all employees.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">120<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Performance management<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We aim to reward for success and avoid rewarding for failure. That is why ING&#8217;s remuneration approach is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">strongly linked to a robust and transparent performance management process. Outcomes of performance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 111.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">evaluations (including collective and individual risk assessments) provide input for remuneration. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 138.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our people are a crucial enabler of our &#8216;Making the difference&#8217; strategy, and we need to support them in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 150.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">unlocking their full potential. An effective performance culture is necessary to help our people reach their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 162.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">potential. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 189.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Step Up Performance Management is our global performance management approach applicable to almost <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 201.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">all employees. It aims to improve people&#8217;s individual performance, and thereby team performance and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 213.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ultimately ING's performance. Step Up Performance Management is one of our people practices that helps <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 225.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to increase focus, alignment and transparency. We do this through continuous conversations between <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 237.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">managers, employees and teams. To support these conversations, there are three formal moments to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 249.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">discuss performance during the year: target-setting, mid-year review and year-end evaluation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 276.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For most countries, we evaluate performance according to two dimensions:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 288.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Job: the impact employees have in their daily work on an individual and team level, based on job targets <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">and factors such as qualitative job description, dynamic planning and specific selected quantitative <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 314.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">priorities.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 327.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Orange behaviours: we aim to boost productivity and steer personal development through the Orange <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 339.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Behaviours. We expect all employees to act in line with ING&#8217;s Orange Code and the underlying behaviours <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 352.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">to deliver on ING's purpose in a sustainable way.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">There are some countries (Australia, Poland and the Netherlands) that also have Stretch Ambition as a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 400.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performance dimension:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 412.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Stretch ambitions: we ask people to set ambitions, describing how to contribute beyond their day-to-day <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 425.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">role, focusing on the main priorities and long-term success of ING.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 453.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">All targets are agreed between the employee and their manager, as well as within management teams, to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 465.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ensure consistency across the organisation. ING uses three ratings to evaluate performance: excellent, well <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 477.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">done and improvement required.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 504.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Step Up Performance Management does not prescribe the targets employees should set. However, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 516.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">following regulatory requirements apply to specific groups:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 528.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">For employees eligible for variable remuneration, a minimum of 50 <span style="display: inline-block; height: 12pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 355.67pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">percent</span><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 390.04pt; position: var(--position); text-decoration: none; white-space: pre;"> non-financial priorities. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">For all employees in control functions (Risk, Compliance and Audit), non-financial targets are <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">predominantly applied. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">For identified staff in risk-taking roles, risk mitigation measures may lead to a downwards adjustment of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">the performance outcome and negatively affect variable remuneration (a risk modifier can be applied).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In order to further increase the effectiveness of our Step Up Performance Management approach, we are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">currently refreshing the framework as we will mention under the section '2023 specifics'. From 2024, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">following changes will be implemented:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 175.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">We will make use of a five-point rating scale instead of a three-point scale to evaluate performance, as <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">this will allow for more nuanced performance evaluations and better differentiation.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 200.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Performance will be evaluated based on Job and Orange Behaviours performance. The majority of the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 213.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">countries will implement this change. By removing the Stretch Ambition as a performance dimension, we <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">will be able to focus more on fewer targets.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 257.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Total direct compensation<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 279.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING aims to provide a total direct compensation level for expected business and individual performance that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 291.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">is, on average, at the median of the markets in which ING operates. ING's main reference market against <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 303.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which we compare and benchmark our compensation levels consists of other European-headquartered <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 315.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">banks and financial services organisations that are comparable in terms of size, business mix and scope. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 327.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This reference market is reviewed annually so as to ensure our peer firms remain appropriate and our pay <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 339.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">levels market competitive.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The approach taken in determining the reference market is to i.) ensure that the pay strategy of the firms in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the peer group is comparable to ING's pay strategy, ii.) sound and defensible when explained to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 390.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">stakeholders, iii.) reflective of similar company attributes and core competencies for talent, iv.) consistent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 402.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with business and financial scope characteristics, and v.) comprehensive enough to stand up over time to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">changes in the market (e.g. M&amp;A, divestiture, etc.). In addition to the core peer group, consisting of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">European-headquartered banks and financial services organisations which applies to all countries in which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 438.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING operates, ING has not only identified additional local banks and financial services organisations in order <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 450.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to capture the local dynamics (including the local talent pool), but also technology firms that serve as a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 462.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">secondary reference point for benchmarking certain tech roles. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 489.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Fixed remuneration represents a sufficiently high proportion, in line with the level of expertise and skills, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 501.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">allows a fully flexible variable remuneration award. Furthermore, the level of fixed remuneration allows <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 513.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">variable remuneration to be reduced to zero. Variable remuneration is performance-driven, subject to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 525.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory caps, and prevents excessive risk-taking.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">121<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div style="background-image: url('data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHN0eWxlPSJwb2ludGVyLWV2ZW50czogbm9uZTsiPjxwYXRoIHN0eWxlPSJmaWxsOiB0cmFuc3BhcmVudDsgc3Ryb2tlOiAjMDAwMDAwOyBzdHJva2Utd2lkdGg6IDFwdDsiIGQ9Ik0gNTMuMjkgNzM0LjU2IEggMzE5Ljk2Ij48L3BhdGg+PC9zdmc+'); background-size: 1080pt 607.47pt; height: 607.47pt; position: var(--position); width: 1080pt;"></div><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The comprehensive process around variable remuneration <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The awarding of variable remuneration, where applicable, is based on group, business line and individual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performance criteria unless local legislation prescribes otherwise. The criteria used to measure performance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 111.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">is aligned with the business strategy, objectives, corporate culture, values and long-term interests of ING. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 123.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">all ING countries, we adhere to the applicable variable remuneration caps. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 150.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For Identified Staff (i.e. staff considered to have a material impact on ING&#8217;s risk profile), at least 40 <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 477.58000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">percent</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 511.95000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 162.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">variable remuneration is deferred over a period of four or five years (depending on the level of seniority) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 174.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with a tiered vesting schedule. Furthermore, at least 50 <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 289.15999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">percent</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 323.53pt; position: var(--position); text-decoration: none; white-space: pre;"> of variable remuneration is awarded in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 186.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">equity (or equity-linked instruments unless local legislation prescribes otherwise). The deferral scheme and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 198.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">instruments used to deliver variable remuneration awards align with ING's long-term performance and risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 210.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management framework.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 237.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The award of discretionary variable remuneration is based on a clear, transparent and robust mechanism <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 249.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for measuring performance and applying adjustments for ex-ante and ex-post risks (the Variable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 261.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration Accrual Model or VRAM). The VRAM construct follows a five-step process, as outlined below, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 273.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">leading to risk-adjusted variable remuneration pools determined at a Group- and business-line level. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 285.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 VRAM set-up was approved by the Management Board and Supervisory Board.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 312.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">Target VR Pool baseline ('starting point') which is the aggregate of individual target variable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 324.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration amounts for all eligible employees across ING.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 351.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2.&#160; Performance hurdles, which must be met in order to unlock the discretionary variable remuneration<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 363.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160;  pools. These are:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 375.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The Common Equity Tier 1 (CET1) ratio must be at or above the threshold established by applicable <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">regulations;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 401.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The return on equity (reported RoE)<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: normal; left: 212.51999999999998pt; position: var(--position); text-decoration: none; top: -4.199999999999999pt; vertical-align: super; white-space: pre;">5<span style="display: inline-block; height: 7.800000000000001pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 216.17000000000002pt; position: var(--position); text-decoration: none; white-space: pre;"> is equal to or higher than the percentage determined at the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">beginning of each performance year by the Management Board Banking and the Supervisory Board. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 441.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, where capital (CET1) is below risk appetite, a downward adjustment may be applied to reduce <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 453.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the variable remuneration down to zero. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 480.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3. Financial and non-financial risk performance, which is an assessment against a balanced mix of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 492.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; performance targets. Financial measures (e.g. profit, return on equity) are used to drive long-term growth,&#160;  <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 504.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; financial strength and affordability. In addition, different types of non-financial performance measures <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 516.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; (e.g. customer, risk and regulatory, strategy, environment and social) are also taken into consideration.&#160; &#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 528.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; Here, ING has a responsibility to society to take into account relevant environmental, social &amp; governance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; (ESG) matters when determining our remuneration policies. ESG is a key area of focus in the VRAM <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; scorecards where people, sustainability and regulatory commitments are used to provide a clear line<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; of sight into ING's ESG strategy, ambitions and targets, and encourage broader responsibility to support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; real change from the wider workforce. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">4. CEO discretion can be exercised to adjust the proposed variable remuneration pools. The CEO considers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; several performance factors when making this decision. This discretion is checked by the Supervisory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; Board and requires its approval.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">5. Risk adjustments are the final and independent step in the process where there is an assessment made <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; by the CRO to risk-adjust the variable remuneration pools. Here, the CRO may recommend risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; adjustments to variable remuneration pools (and potentially down to zero) on a collective (e.g. at a group, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; business line, entity and country level) and individual basis across additional ex-ante and ex-post risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; adjustment measures. All relevant financial and non-financial risks will be considered within this step, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; both on a current and future risk basis (i.e. ex-ante risk adjustments), to ensure the VRAM outcome is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; appropriate in the context of overall risk performance. In addition, ex-post risk adjustments, including<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; collective or one-off risk events, are a key element in the process of determining variable remuneration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; pools. The ex-ante and/or ex-post risk adjustments require Supervisory Board approval, taking into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; account the input of the Risk function and the advice of the Risk Committee and Remuneration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; Committee.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The final risk-adjustment measure lies in the individual performance assessment itself. An employee&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">performance is extensively assessed before variable remuneration is awarded. Every manager carefully <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assesses the performance delivered by their individual team members on the basis of pre-agreed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">performance objectives and in line with the Step Up Performance Management framework. In addition, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 373.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">managers have discretion to lower the proposed variable remuneration if risk-taking is perceived as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">inappropriate. In this way, variable remuneration is aligned with any additional risks identified on an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 397.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">individual basis during the performance year. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Additional risk requirements apply to Identified Staff who are considered risk-takers in accordance with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Capital Rights Directive (CRD). These risk requirements set the minimum standards to be met during the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 448.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">performance year. Deviation from these standards may lead to a downward adjustment of the variable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration, a so-called risk modifier. This process is run independently by the Risk function, and the CRO <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">is ultimately responsible for providing a recommendation to the Supervisory Board for decision making. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 499.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Finally, a post-award risk assessment can be applied. This assessment analyses whether any events or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 511.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">findings occurred that should lead to a downward adjustment of variable remuneration, including for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 523.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">previous years, by applying a holdback (i.e., in-year variable remuneration award reduction, forfeiture of up <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">122<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div><div style="left: 0pt; position: var(--position); top: 555.92pt;"><div style="width: 1000pt;"><div style="line-height: 8pt; position: var(--position); top: 0pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 5.2pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; top: -2.0999999999999996pt; vertical-align: super; white-space: pre;">5<span style="display: inline-block; height: 3.9000000000000004pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 42.89pt; position: var(--position); text-decoration: none; white-space: pre;"> Annualised net result divided by average IFRS-EU shareholders' equity excluding reserved profits not included in CET1 capital. <span style="display: inline-block; height: 6pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to 100 <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 71.18pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">percent</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 105.55pt; position: var(--position); text-decoration: none; white-space: pre;"> of the awarded, but unvested, variable remuneration) or clawback (surrender of up to 100 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">percent</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 74.34pt; position: var(--position); text-decoration: none; white-space: pre;"> of the paid or vested variable remuneration).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 106.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholders&#8217; mandate to exceed 100 percent variable remuneration cap<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 129.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s remuneration policies comply with international and local legislation and regulations. Under the Dutch <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">WBFO (which sets various requirements on remuneration), financial institutions are permitted to set a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 153.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">variable remuneration cap higher than 100 percent (but not higher than 200 percent) of fixed remuneration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 165.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for employees outside of the European Economic Area (EEA), provided that the higher cap is approved by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 177.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shareholders and does not conflict with ING&#8217;s capital adequacy requirements. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 204.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">At the 2021 AGM, shareholders approved to apply an increased maximum percentage of up to 200 percent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 216.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for employees outside the EEA for a period of five performance years until end-2026. For 2023, it was <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 228.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">applied to 34 employees worldwide. This mandate is used on an exceptional basis by ING and in 2020, 2021 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 240.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and 2022 also applied to a limited number of employees worldwide.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 270.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 specifics <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 293.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Following a full review of Step Up Performance Management (including employee surveys, leadership <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 305.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interviews, market research, gap analysis), several changes were introduced in 2023 which will come into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 317.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">full effect for all of ING Group employees as from performance year 2024. We have also embarked on a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 329.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">project to improve the relationship between performance results and remuneration, focusing on more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 341.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">transparent pay structures in order to provide employees with more confidence in pay fairness.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 368.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING awards variable remuneration across the global organisation in line with our remuneration principles, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 380.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">global and local legislation, regulations and market practices. The awarding of variable remuneration, where <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 392.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">applicable, is based on group, business line and individual performance criteria, both financial, non-financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 404.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and risk-based, and comes in the form of both discretionary and collective variable remuneration. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 431.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Collective variable remuneration is based on collective labour agreements that are driven by regulation, law <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 443.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and/or workers council agreements in various countries. Over the past years the total amount of collective <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 455.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">variable remuneration has been relatively stable and typically accounts for around 20 percent of the total <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">spend on variable remuneration.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 494.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, our capital base and liquidity remained strong. From a financial performance perspective, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 506.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">'underlying' financial results were also strong, among others due to higher liability NII, strong results in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 518.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Markets and Treasury as well as lower risk costs, partially countered by higher salary increases and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 530.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">higher bonus accruals. Non-financial performance (customer, ESG, strategic transformation programmes) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 542.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">was largely as planned. From a risk perspective, both financial risk management and non-financial risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 554.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performance was good leading to positive adjustments across most business lines. Overall, this resulted in a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk-adjusted discretionary Group VR pool at &#8364;401.0 million, equating to an 8.8 percent increase against the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">target discretionary VR baseline ('starting point') and 23.5 percent increase versus the previous performance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">year. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The total actual amount of both discretionary and collective variable remuneration awarded to all eligible <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">employees globally for 2023 was &#8364;514.9 million (&#8364;113.8 million in collective variable remuneration), <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compared to total staff expenses of &#8364;6,725 million. For 2022, the total amount was &#8364;426.6 million (&#8364;101.9 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million in collective variable remuneration) on &#8364;6,152 million staff expenses.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, 19 employees, excluding members of the Management Board Banking, were awarded total annual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration (including employer pension contributions and excluding severance payments made) of &#8364;1 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million or more. Please see our CRR disclosure for further details on ing.com under the section &#8216;Annual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reports&#8217;. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">123<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_55"></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">C.<span style="display: inline-block; height: 12pt; width: 22.87pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Board practices <span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For information regarding board practices, see Item 6.A.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 129.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Severance payments to members of the Executive Board <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The contracts entered with the members of the Executive Board provide for severance payments that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">become due upon termination of the applicable member&#8217;s contract, including if termination occurs in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">connection with a public bid as defined in section 5:70 of the Dutch Financial Supervision Act. Severance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">payments to the members of the Executive Board are limited to a maximum of one year&#8217;s fixed salary.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 219.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">D. <span style="display: inline-block; height: 12pt; width: 17.68pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Employees <span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 254.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The average number of internal employees at a full time equivalent basis was 59,434 at the end of 2023, of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 266.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which 14,449 or 24%, were employed in the Netherlands. Substantially all of the <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 400.75pt; position: var(--position); text-decoration: none; white-space: pre;">Group&#8217;s Dutch employees <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 278.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are subject to a collective labor agreement covering ING in the Netherlands<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 375.53pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 305.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The distribution of employees with respect to the Group&#8217;s continuing operations for the years 2023, 2022 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 317.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and 2021 were as follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 344.11pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 486pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 148.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="10" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 486pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 486pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Number of employees<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 148.5pt; position: var(--position); top: 14.25pt; width: 112.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 112.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 58.8pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 261pt; position: var(--position); top: 14.25pt; width: 112.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 112.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 39.27pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of the world<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 373.5pt; position: var(--position); top: 14.25pt; width: 112.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 112.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 88.57pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 148.5pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 186pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 223.5pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 261pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 298.5pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 373.5pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 411pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 448.5pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 148.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 148.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total average number of internal <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 148.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">employees at full time equivalent <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 148.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">basis<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 148.5pt; position: var(--position); top: 41.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.41pt; position: var(--position); text-decoration: none; white-space: pre;">14,449<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 186pt; position: var(--position); top: 41.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.41pt; position: var(--position); text-decoration: none; white-space: pre;">14,488<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 223.5pt; position: var(--position); top: 41.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.41pt; position: var(--position); text-decoration: none; white-space: pre;">15,138<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 261pt; position: var(--position); top: 41.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.41pt; position: var(--position); text-decoration: none; white-space: pre;">44,985<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 298.5pt; position: var(--position); top: 41.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.41pt; position: var(--position); text-decoration: none; white-space: pre;">43,081<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 336pt; position: var(--position); top: 41.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.41pt; position: var(--position); text-decoration: none; white-space: pre;">42,523<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 373.5pt; position: var(--position); top: 41.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.41pt; position: var(--position); text-decoration: none; white-space: pre;">59,434<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 411pt; position: var(--position); top: 41.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.41pt; position: var(--position); text-decoration: none; white-space: pre;">57,569<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 448.5pt; position: var(--position); top: 41.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.41pt; position: var(--position); text-decoration: none; white-space: pre;">57,660<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 440.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Group employs a number of temporary employees. The average number of temporary employees, not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 452.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">included in the table above, at a full time equivalent basis was 3,817 at the end of 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 484.61pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">E.<span style="display: inline-block; height: 12pt; width: 23.24pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Share ownership<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For information regarding s<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 162.2pt; position: var(--position); text-decoration: none; white-space: pre;">hare ownershi<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 225.95pt; position: var(--position); text-decoration: none; white-space: pre;">p, see Item 6.B of this Form 20-F, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 374.23pt; position: var(--position); text-decoration: none; white-space: pre;">Note 46 'Related parties'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 483.86pt; position: var(--position); text-decoration: none; white-space: pre;"> a<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 492.01pt; position: var(--position); text-decoration: none; white-space: pre;">n<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 497.85pt; position: var(--position); text-decoration: none; white-space: pre;">d <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 530.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Note 25 'Staff expenses'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 147.43pt; position: var(--position); text-decoration: none; white-space: pre;"> to the consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 555.02pt; position: var(--position);">F.<span style="display: inline-block; height: 12pt; width: 23.86pt;"></span></span><span style="left: 591.02pt; position: var(--position);">Disclosure of a registrant&#8217;s action to recover erroneously <span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 16pt; position: var(--position); top: 84.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">awarded compensation<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 118.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Not <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 573.72pt; position: var(--position); text-decoration: none; white-space: pre;">applicable<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 619.02pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 621.43pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 626.43pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 145.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to Exhibit 97 to this Form 20-F for the policy on 'Clawback rules for erroneously awarded <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 157.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">variable remuneration for executive officers'. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">124<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_58"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">Item 7.<span style="display: inline-block; height: 20.25pt; width: 23.41pt;"></span></span><span style="left: 147.97pt; position: var(--position);">Major shareholders and related party transactions<span style="display: inline-block; height: 20.25pt;"></span></span></span></div><div style="line-height: 16pt; position: var(--position); top: 127.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">A. <span style="display: inline-block; height: 12pt; width: 17.84pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Major shareholders<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 169.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group ordinary shares are listed on the stock exchanges of Amsterdam (Euronext Amsterdam) and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 181.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Brussels (Euronext Brussels). ING Group American Depositary Shares (&#8220;ADSs&#8221;) are listed on the New York <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 193.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Stock Exchange (NYSE). Options on ING Group ordinary shares or in the form of American depository <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 205.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">receipts (ADRs) are traded on the Euronext Amsterdam Derivative Markets and the Chicago Board Options <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 217.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 246.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Major shareholders as filed with SEC<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 260.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">According to the U.S. Securities and Exchange Commission, shareholders in a company which have <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 275.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">registered a class of their equity securities under the Exchange Act, are required to file beneficial owner <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 287.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reports if the ownership exceeds more than 5% of the outstanding shares of that class. The shareholder is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 299.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">obliged to file Schedule 13D or 13G until their holdings drop below 5%.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 326.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 50.67pt; position: var(--position); text-decoration: none; white-space: pre;"> the best of our knowledge, as of 31 December 2023, no holder of ordinary shares or ADSs, other than <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 338.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">BlackRock Inc. held 5% or more of ING Group&#8217;s issued share capital.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 365.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On 29 January 2021, BlackRock, Inc. disclosed by way of a Schedule 13G filed with the SEC, beneficial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 377.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ownership of 289,185,500 ordinary shares of ING Group as of 31 December 2020, representing 7.4% of ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 389.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Group&#8217;s issued share capital. On 1 February 2022, BlackRock, Inc. disclosed by way of a Schedule 13G filed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 401.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with the SEC, beneficial ownership of 292,129,468 ordinary shares of ING Group as of 31 December 2021, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 413.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">representing 7.5% of ING Group&#8217;s issued share capital. On 11 February 2022, Capital Research Global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 425.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Investors disclosed by way of a Schedule 13G filed with the SEC, beneficial ownership of 224,540,855 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 437.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ordinary shares of ING Group as of 31 December 2021, representing 5.8% of ING Group&#8217;s issued share <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 449.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">capital. On 1 February 2023, BlackRock, Inc. disclosed by way of a Schedule 13G filed with the SEC, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 461.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">beneficial ownership of 259,211,756 ordinary shares of ING Group as of 31 December 2022, representing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 473.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">7.0% of ING Group's issued share capital. On 13 February 2023, Capital Research Global Investors disclosed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 485.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by way of a Schedule 13G filed with the SEC, beneficial ownership of 57,557,399 ordinary shares of ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 497.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Group as of 30 December 2022, representing 1.5% of ING Group's issued share capital. On 6 February <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 509.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2024, BlackRock, Inc. disclosed by way of a Schedule 13G filed with the SEC, beneficial ownership of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 521.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">255,592,935 ordinary shares of ING Group as of 31 December 2023, representing 7.3% of ING Group's <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 533.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">issued share capital.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 171.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Major shareholders as filed with AFM<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 185.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Pursuant to section 5.3 of the Dutch Financial Supervision Act (&#8220;Major Holdings Rules&#8221;), any person who, <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 200.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">directly or indirectly, acquires or disposes of an interest in the voting rights and/or the capital of (in short) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 212.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">a public limited company incorporated under the laws of the Netherlands with an official listing on a stock <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 224.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">exchange within the European Economic Area, as a result of which acquisition or disposal the percentage <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 236.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">of his voting rights or capital interest - whether through ownership of shares, American depositary <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 248.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">receipts (ADRs) or any other financial instrument, whether stock-settled or cash-settled, such as call or put <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 260.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">options, warrants, swaps or any other similar contract - reaches, exceeds or falls below the threshold <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 272.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">levels of 3%, 5%, 10%, 15%, 20%, 25%, 30%, 40%, 50%, 60%, 75% and 95% is required to provide updated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 284.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">information on its holdings and are recorded in the Dutch AFM (Authority for the Financial Markets) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 296.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">register (http://www.afm.nl/nl-en/professionals/registers/meldingenregisters/substantiele-deelnemingen). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 308.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">This notification obligation also applies in respect of gross short positions that exceed the relevant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 320.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">threshold levels. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 347.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, any person who acquires or disposes of a net short position relating to the issued share capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 359.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">of ING Group, whether by a transaction in shares or ADRs, or by a transaction creating or relating to any <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 371.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">financial instrument where the effect or one of the effects of the transaction is to confer a financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 383.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">advantage on the person entering into that transaction in the event of a change in the price of such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 395.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">shares or ADRs, is required to notify the AFM if, as a result of such acquisition or disposal, the person&#8217;s net <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 407.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">short position reaches, exceeds or falls below 0.1% of the issued share capital of ING Group and each 0.1% <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 419.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">above that. Each reported net short position equal to 0.5% of the issued share capital of ING Group and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 431.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">any subsequent increase of that position by 0.1% will be made public via the short selling register on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 443.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">afm.nl/en/.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Based on the AFM register as per 31 December 2023, shareholders with (potential) holdings of 3% or more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 482.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">are Norges Bank (3.00% interest and voting rights reported on 17 August 2022), BlackRock Inc. (5.81% <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">interest and 7.10% voting rights reported on 11 August 2023), the Goldman Sachs Group Inc. (4.27% <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">interest and voting rights reported on 15 December 2023), Capital Research and Management Company <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">(5.01% voting rights and interest rights reported on 19 December 2023), and ING Group N.V. (4.37% <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 530.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">interest rights, no voting rights reported on 28 December 2023). <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">125<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As a result, other than based on information available from public filings available under the applicable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">laws of any other jurisdiction, ING Groep N.V. is not aware of any changes in the ownership of ordinary <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shares or ADSs between the thresholds levels mentioned in the previous sentence.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On 31 December 2<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 123.19pt; position: var(--position); text-decoration: none; white-space: pre;">023, ING Groep N.V. and its subsidiaries held 154,571,480 <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 379.99pt; position: var(--position); text-decoration: none; white-space: pre;">ordinary shares or ADSs, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">representing 4.42% of ING Group&#8217;s issued share capital. ING Groep N.V. does not have voting rights in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">respect of shares and ADSs it holds or which are held by its subsidiaries.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On 31 December 2023, no person is known to ING Groep N.V. to be the owner of more than 10% of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ordinary shares or ADSs<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 146.7pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 205.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As of 31 December 2023, members of the Supervisory Board and their related third parties held 5,295 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 217.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Ordinary Shares. Members of the Supervisory Board do not hold ING options.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 244.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As at 31 December 2023, members of the Executive Board and their related third parties held 128,241 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 256.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ordinary shares.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 285.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Change of control m<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 151.6pt; position: var(--position); text-decoration: none; white-space: pre;">atters<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 300.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As at 31 December 2023 ING Groep N.V. was not a party to any material agreement that becomes <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 314.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">effective, or is required to be amended or terminated in case of a change of control of ING Groep N.V. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 326.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">following a public bid as defined in the Dutch Financial Supervision Act. ING Groep N.V.&#8217;s subsidiaries may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 338.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">have customary change of control arrangements included in agreements related to various business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 350.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">activities, such as joint venture agreements, letters of credit and other credit facilities, ISDA-agreements, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 362.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hybrid capital and debt instruments, reinsurance contracts and futures and option trading agreements. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 374.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Following a change of control of ING Groep N.V. (as the result of a public bid or otherwise), such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 386.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">agreements may be amended or terminated, leading, for example, to an obligatory transfer of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 398.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest in the joint venture, early repayment of amounts due, loss of credit facilities or reinsurance cover <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 410.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and liquidation of outstanding futures and option trading positions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 437.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As of 31 December 2023 ING Groep N.V. was not aware of any arrangements the operation of which may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 449.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">result in a change of control of ING Groep N.V.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 481.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">B. <span style="display: inline-block; height: 12pt; width: 18.82pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Related Party Transactions<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 515.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In the normal course of business, ING Group enters into various transactions with related parties. Parties <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 527.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are considered to be related if one party has the ability to control or exercise significant influence over the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 539.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">other party in making financial or operating decisions. Related parties of ING Group include, among others, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 551.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">its associates, joint ventures, key management personnel, and various defined benefit and contribution <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">plans. Transactions between related parties include rendering or receiving of services, leases, transfers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">under finance arrangements and provisions of guarantees or collateral. There are no significant provisions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">for doubtful debts or individually significant bad debt expenses recognised on outstanding balances with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">related parties. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group has entered into various transactions with related parties. For more information, reference is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">made to Note 46 &#8220;Related parties&#8221; in the consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">As described under &#8220;Item 6. Directors, Senior Management and Employees&#8221;, some members of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board are current or former senior executives of leading multi-national corporations based <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">primarily in the Netherlands. ING Group may at any time have lending, investment banking or other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">financial relationships with one or more of these corporations in the ordinary course of business on terms <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">which we believe are no less favorable to ING than those reached with unaffiliated parties of comparable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">creditworthiness.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 258.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 564.12pt; position: var(--position);">C. <span style="display: inline-block; height: 12pt; width: 19.03pt;"></span></span><span style="left: 600.12pt; position: var(--position);">Interests of experts and counsel<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 293.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">This item does not apply to annual reports on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">126<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_61"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">Item 8.<span style="display: inline-block; height: 20.25pt; width: 23.41pt;"></span></span><span style="left: 147.97pt; position: var(--position);">Financial information<span style="display: inline-block; height: 20.25pt;"></span></span></span></div><div style="line-height: 16pt; position: var(--position); top: 147.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">A.<span style="display: inline-block; height: 12pt; width: 21.68pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Consolidated statements and other financial information<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 12pt; position: var(--position); top: 183.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated statements<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 197.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For information regarding consolidated statements and other financial information, see Item 18 of this <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 212.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 241.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Legal Proceedings<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 255.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For a description of ING&#8217;s legal proceedings, see <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 254.12pt; position: var(--position); text-decoration: none; white-space: pre;">Note 42 'Legal proceedings'<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 377.84000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> in the consolidated financial <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 270.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 299.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Policy on dividend distribution<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 313.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s distribution policy is a pay-out ratio of 50% of resilient net profit and additional distributions in case <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of structural excess capital. For detailed information on ING&#8217;s 2023 dividend, reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 476.53999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">Note 47 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 339.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Capital Management&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cash distributions on ING Groups ordinary shares are generally paid in Euros. However, the Executive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Board may decide, with the approval of the Supervisory Board, to declare dividends in the currency of a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 390.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">country other than the Netherlands in which the shares are traded. Amounts payable to holders of ADSs <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 402.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that are paid to the Depositary in a currency other than dollars will be converted to dollars and subjected <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to a charge by the Depositary for any expenses incurred by it in such conversion. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 441.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">If the Executive Board has been designated as a body authorised to resolve to issue shares, it may decide, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 453.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with the approval of the Supervisory Board, that a distribution on ordinary shares shall be made in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 465.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">form of ordinary shares instead of cash or to determine that the holders of ordinary shares shall be given <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 477.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the choice of receiving the distribution in cash or in the form of ordinary shares on such terms as the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 489.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board, with the approval of the Supervisory Board, may decide.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">The right to dividends and distributions in respect of the ordinary shares will lapse if such dividends or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">distributions are not claimed within five years following the day after the date on which they were made <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">available.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 193.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">There are no legislative or other legal provisions currently in force in the Netherlands or arising under ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 205.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Groups&#8217; Articles of Association restricting the remittance of dividends to holders of ordinary shares, or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 217.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">ADSs not resident in the Netherlands. Insofar as the laws of the Netherlands are concerned, cash <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 229.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">dividends paid in Euro may be transferred from the Netherlands and converted into any other currency, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 241.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">except that for statistical purposes such payments and transactions must be reported by ING Group to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 253.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">DNB&#160; and, further, no payments, including dividend payments, may be made to jurisdictions or persons, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 265.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">that are subject to certain sanctions, adopted by the Government of the Netherlands, implementing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 277.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">resolutions of the Security Council of the United Nations, or adopted by the European Union.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 304.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Dividends are subject to withholding taxes in the Netherlands as described under Item 10, &#8220;Additional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 316.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Information - Taxation - Netherlands Taxation&#8221;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 343.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s distribution policy may be changed at any time and there is no guarantee that any dividends or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 355.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">other distributions will be made in accordance with the distribution policy in effect from time to time or at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 367.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">all. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 399.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 564.12pt; position: var(--position);">B. <span style="display: inline-block; height: 12pt; width: 18.82pt;"></span></span><span style="left: 600.12pt; position: var(--position);">Significant changes<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">For information on subsequent events reference is made to Note 49 &#8216;Subsequent events&#8217; of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 445.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">consolidated financial statements. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Since 31 December 2023, until the filing of this report, no other significant changes have occurred in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">financial statements of the Group included in &#8220;Item 18 Consolidated Financial Statements&#8221; of this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 496.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">document.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">127<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_64"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">Item 9.<span style="display: inline-block; height: 20.25pt; width: 23.41pt;"></span></span><span style="left: 147.97pt; position: var(--position);">The offer and listing<span style="display: inline-block; height: 20.25pt;"></span></span></span></div><div style="line-height: 16pt; position: var(--position); top: 147.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">A.<span style="display: inline-block; height: 12pt; width: 21.68pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Offer and listing details <span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 181.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Ordinary Shares (nominal value EUR 0.01 per share) are traded on Euronext Amsterdam, the principal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 193.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">trading market for&#160; the Ordinary Shares, under the symbol &#8220;INGA&#8221;. The Ordinary Shares are also listed on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 205.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the stock exchange of Euronext Brussels, under the symbol &#8220;INGA&#8221;. ADSs, representing an equal number <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 217.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of Ordinary Shares, are traded on the New York Stock Exchange under the symbol &#8220;ING&#8221;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 249.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">B.<span style="display: inline-block; height: 12pt; width: 22.66pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Plan of distribution <span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 283.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This item does not apply to annual reports on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 315.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">C.<span style="display: inline-block; height: 12pt; width: 22.87pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Markets<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For information regarding markets, see Item 9.A of this Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 381.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">D.<span style="display: inline-block; height: 12pt; width: 21.52pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Selling shareholders<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 416.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This item does not apply to annual reports on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 448.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">E.<span style="display: inline-block; height: 12pt; width: 23.24pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Dilution<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 482.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This item does not apply to annual reports on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 514.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">F.<span style="display: inline-block; height: 12pt; width: 23.86pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Expenses of the issue<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 548.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This item does not apply to annual reports on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">128<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_67"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">Item 10.<span style="display: inline-block; height: 20.25pt; width: 8.21pt;"></span></span><span style="left: 147.97pt; position: var(--position);">Additional information<span style="display: inline-block; height: 20.25pt;"></span></span></span></div><div style="line-height: 16pt; position: var(--position); top: 147.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">A.<span style="display: inline-block; height: 12pt; width: 21.68pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Share capital <span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 181.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This item does not apply to annual reports on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 213.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">B.<span style="display: inline-block; height: 12pt; width: 22.66pt;"></span></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 75.97pt; position: var(--position); text-decoration: none; white-space: pre;">Memorandum<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 179.13pt; position: var(--position); text-decoration: none; white-space: pre;"> and articles of association <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For a description of ING&#8217;s memorandum and articles of association, please see Exhibit 2.1 &#8220;Description of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 259.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Securities Registered under Section 12 of the Exchange Act&#8221;, which is incorporated by reference herein. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to Exhibit 1.1 to this Form 20-F for the articles of association. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 318.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">C.<span style="display: inline-block; height: 12pt; width: 22.87pt;"></span></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 75.97pt; position: var(--position); text-decoration: none; white-space: pre;">Material contracts<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">There have been no material contracts outside the ordinary course of business to which ING Groep N.V. or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">any of its subsidiaries is a party in the last two years.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 396.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">D. <span style="display: inline-block; height: 12pt; width: 17.68pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Exchange controls<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 431.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cash distributions, if any, payable in Euros on Ordinary Shares and ADSs may be officially transferred from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 443.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands and converted into any other currency without violating Dutch law, except that for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 455.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statistical purposes such payments and transactions must be reported by ING Groep N.V. to the Dutch <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Central Bank and, further, no payments, including dividend payments, may be made to jurisdictions or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 479.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">persons subject to certain sanctions, adopted by the government of the Netherlands or the European <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 491.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Union. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 147.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 564.12pt; position: var(--position);">E.<span style="display: inline-block; height: 12pt; width: 23.24pt;"></span></span><span style="left: 600.12pt; position: var(--position);">Taxation<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 181.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">The following is a summary of certain Netherlands tax consequences, and the United States federal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 193.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">income tax consequences, of the ownership of our Ordinary Shares or American Depositary Shares <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 205.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">(&#8220;ADSs&#8221;) by U.S. Shareholders (as defined below) who hold Ordinary Shares or ADSs as capital assets for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 217.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">tax purposes. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 244.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">For the purposes of this summary, a &#8220;U.S. Shareholder&#8221; is a beneficial owner of Ordinary Shares or ADSs <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 256.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">that is, for United States federal income tax purposes:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 268.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.32pt; position: var(--position); text-decoration: none; white-space: pre;">an individual citizen or resident of the United States,<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 281.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.32pt; position: var(--position); text-decoration: none; white-space: pre;">a corporation organized under the laws of the United States or of any state of the United States, or any <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 294.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.32pt; position: var(--position); text-decoration: none; white-space: pre;">entity taxable as United States corporation,<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 306.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.32pt; position: var(--position); text-decoration: none; white-space: pre;">an estate, the income of which is subject to United States federal income tax without regard to its <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 319.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.32pt; position: var(--position); text-decoration: none; white-space: pre;">source, or<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 332.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.32pt; position: var(--position); text-decoration: none; white-space: pre;">a trust if a court within the United States is able to exercise primary supervision over the administration <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 345.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.32pt; position: var(--position); text-decoration: none; white-space: pre;">of the trust and one or more United States persons have the authority to control all substantial <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 358.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.32pt; position: var(--position); text-decoration: none; white-space: pre;">decisions of the trust.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Further, this summary is limited to U.S. Shareholders who are not, and are not deemed to be, a resident of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 397.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands for Dutch tax purposes. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">This summary is based on the United States Internal Revenue Code of 1986 and the laws of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands, each as amended, their legislative history, existing and proposed regulations, published <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 448.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">rulings and court decisions, and the tax treaty between the United States and the Netherlands for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Avoidance of Double Taxation and the Prevention of Fiscal Evasion with respect to Taxes on Income <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">(&#8220;Treaty&#8221;), all as applicable as of the date hereof. These laws are subject to change, possibly on a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">retroactive basis. The information provided below is neither intended as tax advice nor purports to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 496.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">describe all of the tax considerations that may be relevant to investors and prospective investors including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 508.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">foreign, state or local tax consequences, estate and gift tax consequences, and tax consequences arising <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 520.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">under the Medicare contribution tax on net investment income or the alternative minimum tax. It should <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 532.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">not be read as extending to matters not specifically discussed, and investors should consult their own <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 544.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">advisors as to the tax consequences of their ownership and disposal of Ordinary Shares or ADSs. In <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">129<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">particular, the summary does not take into account the specific circumstances of particular investors <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(such as tax-exempt organizations, banks, insurance companies, dealers in securities, traders in securities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that elect to use a mark-to-market method of accounting for their securities holdings, investors whose <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">functional currency is not the U.S. dollar, investors that actually or constructively own 10% or more of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">combined voting power of the voting stock or of the total value of ING Groep N.V., investors that hold <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Ordinary Shares or ADSs as part of a straddle or a hedging or conversion transaction or investors that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">acquired or dispose of Ordinary Shares or ADSs as part of a wash sale for tax purposes, some of which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">may be subject to special rules). If an entity or arrangement that is treated as a partnership for United <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">States federal income tax purposes holds the Ordinary Shares or ADSs, the United States federal income <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 172.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">tax treatment of a partner will generally depend on the status of the partner and the tax treatment of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 184.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">partnership. A partner in a partnership holding the Ordinary Shares or ADSs should consult its tax advisor <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 196.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with regard to the United States federal income tax treatment of an investment in the Ordinary Shares or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 208.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ADSs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Moreover, this summary does not discuss the Dutch tax treatment of a holder of Ordinary Shares or ADSs <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that is an individual who receives income or capital gains derived from the Ordinary Shares and ADSs if <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 259.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">such income received or capital gains derived is attributable to the past, present or future employment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 271.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">activities of such holder.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The summary is based in part upon the representations of the Depositary and the assumption that each <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">obligation in the Deposit Agreement and any related agreement will be performed in accordance with its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">terms. In general, for United States federal income tax and Netherlands tax purposes, holders of ADSs will <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be treated as the owners of the Ordinary Shares underlying the ADSs, and exchanges of Ordinary Shares <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for ADSs, and exchanges of ADSs for Ordinary Shares, will not be subject to United States federal income <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 358.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">tax or Netherlands income tax. References to Ordinary Shares in this section include references to ADSs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">It is assumed, for purposes of this summary, that a U.S. Shareholder is eligible for the benefits of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 397.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Treaty and that a U.S. Shareholder&#8217;s eligibility is not limited by the limitation on benefits provisions of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 409.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Treaty.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 438.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands Taxation<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 468.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Dutch dividend withholding tax<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 480.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Netherlands imposes a withholding tax on a distribution of a dividend at the statutory rate of 15%. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 492.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Dividends include:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 519.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">dividends paid in cash and in kind; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 546.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">deemed and constructive dividends; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">3.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">the consideration for the repurchase or redemption of shares in excess of the qualifying average paid-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">in capital unless such repurchase is made for temporary investment purposes or is exempt by law; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">4.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">any (partial) repayment of paid-in capital not qualifying as capital for Dutch dividend withholding tax <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">purposes; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">5.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">liquidation proceeds in excess of the qualifying average paid-in capital for Dutch dividend withholding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">tax purposes; and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 181.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">6.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">stock dividends up to their nominal value (unless distributed out of ING Groep N.V.&#8217;s qualifying paid-in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 193.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">capital). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 220.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Reduction of Dutch dividend withholding tax based on Dutch law<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 232.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Under certain circumstances, a reduction of Dutch dividend withholding tax can be obtained based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 244.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Dutch law:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 271.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">1.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">An exemption at source is available if the Dutch participation exemption applies and the Ordinary <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 283.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">Shares or ADSs are attributable to a business carried out in the Netherlands. To qualify for the Dutch <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 295.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">participation exemption, the U.S. Shareholder must generally hold at least 5.0 percent of our nominal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 307.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">paid-in capital and meet certain other requirements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">2.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">An exemption at source is available for dividend distributions to certain qualifying corporate U.S. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholders owning our Ordinary Shares or ADSs if such shareholder would have been able to apply <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 358.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">the Dutch participation exemption if it would have been resident of the Netherlands, unless such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 370.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">shareholder holds the Ordinary Shares or ADSs with the primary aim or one of the primary aims to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 382.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">avoid the levy of Dutch dividend withholding tax at the level of another person and the Ordinary Shares <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 394.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">or ADSs are not held for valid commercial reasons that reflect economic reality.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 421.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">3.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">Certain tax exempt organizations (e.g. pension funds and excluding collective investment vehicles) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">may be eligible for a refund of Dutch dividend withholding tax upon their request or in certain cases, an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 445.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">exemption at source.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">4.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">Upon request and under certain conditions, certain qualifying individual and corporate U.S <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholders of Ordinary Shares or ADSs which are not subject to personal or corporate income tax in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 496.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands may request a refund of Dutch dividend withholding tax insofar the withholding tax <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 508.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">withheld on the gross dividend is higher than the personal or corporate income tax which would have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 520.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">been due on the net dividend if they were resident or established in the Netherlands. This refund is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 532.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">however not applicable when, based on the Treaty, the Dutch dividend withholding tax can be fully <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 544.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">credited in the United States by the U.S. Shareholder. However, it is unclear whether (i) which <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">130<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">(financing) costs can be taken into account when determining the hypothetical personal or corporate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">income tax due on the net income (ii) or how the Netherlands would determine whether, based on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">double taxation convention, a full credit is available in the country of residence of the holder for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">purposes of this refund. See &#8220;United States Taxation&#8212;Taxes on dividends&#8221; for more information. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">provision in essence is intended to be a codification of certain judgments by both the European Free <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">Trade Association Court of Justice and the European Court of Justice that already indicated that in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">certain circumstances a refund should be available prior to the introduction of the provision in Dutch <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">law. It is possible that this provision is an insufficient codification of these judgments and that based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">EU law a larger refund should be provided.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reduction of Dutch dividend withholding tax based on the Treaty<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Pursuant to the provisions of the Treaty, certain corporate U.S. Shareholders owning directly at least 10% <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of our voting power are eligible for a reduction to 5% Dutch dividend withholding tax provided that the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">U.S. Shareholder is the beneficial owner of the dividends received and does not have an enterprise or an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest in an enterprise that is, in whole or in part, carried on through a permanent establishment or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">permanent representative in the Netherlands to which the dividends are attributable. The Treaty also <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 259.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">provides for a dividend withholding tax exemption on dividends, but only for a shareholder owning directly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 271.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">at least 80.0 percent of our voting power and meeting all other requirements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Provided that certain conditions are met, under the Treaty dividends paid to qualifying exempt pension <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">trusts and other qualifying exempt organizations, as defined in the Treaty, are exempt from Dutch <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">dividend withholding tax. To obtain a refund of the tax withheld such qualifying exempt pension trusts are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">required to file a request. Only if certain conditions are fulfilled, such qualifying exempt pension trusts <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">may be eligible for relief at source upon payment of the dividend. Qualifying exempt organizations (other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 358.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">than qualifying exempt pension trusts) can only file for a refund of the tax withheld. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Anti-dividend stripping rules<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 397.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Pursuant to the Dutch anti-dividend stripping rules, in the case of dividend-stripping, the 15% dividend <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 409.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">withholding tax cannot be reduced or refunded. Dividend-stripping is deemed to be present if the recipient <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 421.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of a dividend is, contrary to what has been assumed above, not the beneficial owner thereof and is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">entitled to a larger credit, reduction or refund of dividend withholding tax than the beneficial owner of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 445.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">dividends. Under these rules, a recipient of dividends will not be considered the beneficial owner thereof if <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 457.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as a consequence of a combination of transactions a person other than the recipient wholly or partly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 469.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">benefits from the dividends, whereby such person retains, whether directly or indirectly, an interest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 481.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">similar to the shares on which the dividends were paid.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Credit for ING Groep N.V.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V. may, with respect to certain dividends received from qualifying non-Netherlands <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">subsidiaries, credit taxes withheld from those dividends against the Netherlands withholding tax imposed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">on certain qualifying dividends that are redistributed by ING Groep N.V., up to a maximum of the lesser of:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">3% of the amount of qualifying dividends redistributed by ING Groep N.V.; and<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">3% of the gross amount of certain qualifying dividends received by ING Groep N.V.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">The reduction is applied to the Dutch dividend withholding tax that ING Groep N.V. must pay to the Dutch <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">tax authorities and not to the Dutch dividend withholding tax that ING Groep N.V. must withhold.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 205.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Dutch conditional withholding tax<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 217.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">From 1 January 2024 onwards, in addition to Dutch dividend withholding tax, Dutch conditional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 229.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">withholding tax may apply at a statutory rate of 25.8% on dividends and other (deemed) distributions to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">certain affiliated (gelieerde) entities of ING Groep N.V. for the purpose of the Dutch Withholding Tax Act <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 253.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">2021 (Wet bronbelasting 2021). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 280.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">The Dutch conditional withholding tax only applies on dividends and other (deemed) distributions to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 292.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">entities that are resident (gevestigd), or have a permanent establishment to which the dividend or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 304.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">distribution is attributable, in a jurisdiction that is listed in the yearly updated Dutch Regulation on low-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 316.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">taxing states and non-cooperative jurisdictions for tax purposes (Regeling laagbelastende staten en niet-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">co&#246;peratieve rechtsgebieden voor belastingdoeleinden), and in certain deemed abusive situations.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 355.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">An entity is generally affiliated within the meaning of the Dutch Withholding Tax Act 2021 if there is a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 367.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">controlling relationship between such entity and ING Groep N.V.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 396.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Taxes on income and capital gains<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Income and capital gains<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 438.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Income and capital gains derived from the Ordinary Shares or ADSs by an individual or corporate U.S. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 450.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholder are generally not subject to Netherlands income tax or corporation tax, unless: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 477.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">1.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">such income and gains are attributable to a (deemed) permanent establishment or (deemed) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 489.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">permanent representative in the Netherlands of the U.S. Shareholder; or<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 516.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">2.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">the shareholder is entitled to a share in the profits of an enterprise or (in case of a non-Dutch resident <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 528.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">corporate shareholder only) a co-entitlement to the net worth of an enterprise, that is effectively <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 540.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">managed in the Netherlands (other than by way of securities) and to which enterprise the Ordinary <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 552.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.29pt; position: var(--position); text-decoration: none; white-space: pre;">Shares or ADSs are attributable; or<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">131<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">such income and capital gains are derived from a direct, indirect or deemed substantial interest in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">share capital of ING Groep N.V. (such substantial interest not being a business asset), and in the case of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">a non-Dutch resident corporate shareholder only, that substantial interest is being held with the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">primary aim or one of the primary aims to avoid the levy of income tax from another person and is put <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">in place without valid economic reasons that reflect economic reality; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">4.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">in case of a non-Dutch resident corporate shareholder, such shareholder is a resident of Aruba, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">Cura&#231;ao or Saint Martin with a permanent establishment or permanent representative in Bonaire, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">Eustatius or Saba to which the Ordinary Shares or ADS are attributable, while the profits of such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">shareholder are taxable in the Netherlands pursuant to Article 17(3)(c) of the Dutch Corporate Tax Act <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">1969; or<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">5.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">in case of a non-Dutch resident individual, such individual derives income or capital gains from the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">Ordinary Shares or ADSs that are taxable as benefits from &#8216;miscellaneous activities&#8217; in the Netherlands <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">(&#8216;resultaat uit overige werkzaamheden&#8217;, as defined in the Dutch Income Tax Act 2001), which includes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">the performance of activities with respect to the Ordinary Shares or ADSs that exceed regular portfolio <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">management. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Substantial interest<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Generally speaking, for Dutch tax purposes, an interest in the share capital of ING Groep N.V., should not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be considered a substantial interest if the holder of such interest, and, in case of an individual, his or her <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">spouse, registered partner, certain other relatives or certain persons sharing the holder&#8217;s household, alone <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">or together, does or do not hold, either directly or indirectly, the ownership of, or certain rights over, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shares or rights resembling shares representing 5% or more of the total issued and outstanding capital, or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the issued and outstanding capital of any class of shares, of ING Groep N.V. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Gift or inheritance tax<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 400.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">No Netherlands gift or inheritance tax will be imposed on the transfer or deemed transfer of the Ordinary <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Shares or ADSs by way of a gift by or on the death of a U.S. Shareholder if, at the time of the gift or the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">death of that shareholder, such shareholder is not a (deemed) resident of the Netherlands.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 451.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands inheritance or gift taxes (as the case may be) are due, however, if the transfer of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 463.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Ordinary Shares or ADSs is construed as an inheritance or as a gift made by or on behalf of a person who, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">at the time of the gift or death, is deemed to be a resident of the Netherlands. For the purposes of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands gift or inheritance tax, an individual of Dutch nationality is deemed to be a resident of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 499.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands if he or she has been a resident thereof at any time during the ten years preceding the time <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 511.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the gift or death. For the purposes of Netherlands gift tax, any person is deemed to be a resident of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 523.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands if he or she has resided therein at any time in the twelve months preceding the gift.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">United States Taxation<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 94.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Taxes on dividends<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 106.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">The tax treatment of owning Ordinary Shares or ADSs will depend in part on whether or not ING Groep N.V. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 118.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">is classified as a passive foreign investment company, or PFIC, for United States federal income tax <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 130.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">purposes. Except as discussed below under &#8220;-PFIC Rules&#8221;, this discussion assumes that ING Groep N.V. is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">not classified as a PFIC for United States federal income tax purposes.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 169.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Under the United States federal income tax laws, a U.S. Shareholder will be required to include in gross <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 181.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">income the gross amount of a cash dividend (including any Netherlands withholding tax withheld) as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 193.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">ordinary income when the dividend is actually or constructively received by the U.S. Shareholder in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 205.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">case of Ordinary shares, or by the Depositary, in the case of ADSs. For this purpose, a &#8220;dividend&#8221; will <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 217.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">include any distribution paid by ING Groep N.V. with respect to the Ordinary Shares or ADSs, but only to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 229.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">the extent such distribution is not in excess of ING Groep N.V.&#8217;s current and accumulated earnings and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 241.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">profits as determined for United States federal income tax purposes. Distributions in excess of current and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 253.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">accumulated earnings and profits, as determined for United States federal income tax purposes, will be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 265.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">treated as a non-taxable return of capital to the extent of a U.S. Shareholder&#8217;s basis in the Ordinary Shares <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 277.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">or ADSs and thereafter as capital gain. Because ING Groep N.V. does not keep account of its earnings and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 289.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">profits, as determined for United States federal income tax purposes, U.S. Shareholders should generally <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 301.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">expect to treat any distribution as a dividend for U.S. federal income tax purposes. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 328.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">For foreign tax credit limitation purposes, dividends will generally be income from sources outside the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 340.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">United States and will, depending on the circumstances of the U.S. Shareholder, generally be &#8220;passive&#8221; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 352.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">income for purposes of computing the foreign tax credit allowable to the shareholder. However, if (a) we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 364.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">are 50% or more owned, by vote or value, by United States persons and (b) at least 10% of our earnings <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 376.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">and profits are attributable to sources within the United States, then for foreign tax credit purposes, a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">portion of our dividends would be treated as derived from sources within the United States. With respect <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 400.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">to any dividend paid for any taxable year, the United States source ratio of our dividends for foreign tax <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">credit purposes would be equal to the portion of our earnings and profits from sources within the United <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">States for such taxable year, divided by the total amount of our earnings and profits for such taxable year.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 451.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">A dividend will not be eligible for the dividends-received deduction generally allowed to U.S. corporations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 463.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">in respect of dividends received from other U.S. corporations. Dividends paid to a non-corporate U.S. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholder that are considered qualified dividend income will be taxable to the shareholder at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">preferential rates applicable to long-term capital gains provided that the shareholder holds the Ordinary <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 499.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Shares or ADSs for more than 60 days during the 121-day period beginning 60 days before the ex-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 511.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">dividend date and meets other holding period requirements. Dividends paid by ING Groep N.V. with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 523.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">respect to the Ordinary Shares or ADSs generally will be qualified dividend income, provided that, in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 535.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">year that you receive the dividend, we are eligible for the benefits of the Treaty. We believe that we are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 547.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">currently eligible for the benefits of the Treaty and we therefore expect that dividends on the Ordinary <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">132<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Shares or ADSs will be qualified dividend income, but there can be no assurance that we will continue to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be eligible for the benefits of the Treaty. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Subject to certain limitations, a U.S. Shareholder may generally deduct from income, or credit against its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">United States federal income tax liability, the amount of any Netherlands withholding taxes withheld <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">under the Treaty and paid over to the Netherlands Tax Administration. However, the Netherlands <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">withholding tax may not be creditable unless a U.S. Shareholder is eligible for and elects to apply the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">benefits of the Treaty. Even in such case, the Netherlands withholding tax will likely not be creditable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">against the U.S. Shareholder&#8217;s United States tax liability to the extent that ING Groep N.V. is allowed to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reduce the amount of dividend withholding tax paid over to the Netherlands Tax Administration by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">crediting withholding tax imposed on certain dividends paid to ING Groep N.V. In addition, special rules <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">apply in determining the foreign tax credit limitation with respect to dividends that are subject to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">preferential rates. To the extent a reduction or refund of the tax withheld is available to a U.S. Shareholder <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">under Dutch law or under the Treaty, the amount of tax withheld that could have been reduced or is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">refundable will not be eligible for credit against the U.S. Shareholder's United States federal income tax <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">liability. In addition, to the extent an amount of Dutch tax withheld is contingent on the availability of a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 259.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">credit against the amount of income tax owed to another country, that amount of Dutch tax withheld will <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 271.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">not be eligible for a credit against the U.S. Shareholder's United States federal income tax liability. It is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 283.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">unclear whether or how the Netherlands would apply this rule in determining whether, based on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 295.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Treaty, a credit is available in the United States for purposes of the dividend withholding tax refund <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 307.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">provision described in Section IV under &#8220;Netherlands Taxation&#8212;Withholding tax on dividends&#8212;Reduction <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 319.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of Dutch dividend withholding tax based on Dutch law&#8221;. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Since payments of dividends with respect to Ordinary Shares or ADSs will be made in Euros, a U.S. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 358.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholder will generally be required to determine the amount of dividend income by translating the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 370.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Euro into U.S. dollars at the &#8220;spot rate&#8221; on the date the dividend is distributed, regardless of whether the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 382.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">payment is in fact converted into U.S. dollars. Generally, any gain or loss resulting from currency <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 394.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exchange fluctuations during the period from the date the dividend is distributed to the date such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 406.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">payment is converted into U.S. dollars will be treated as ordinary income or loss and will not be eligible for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 418.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the special tax rate applicable to qualified dividend income. Such gain or loss will generally be income or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 430.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">loss from sources within the United States for foreign tax credit limitation purposes.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Taxes on capital gains <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Gain or loss on a sale or exchange of Ordinary Shares or ADSs by a U.S. Shareholder will generally be a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">capital gain or loss for United States federal income tax purposes equal to the difference between the U.S. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">dollar value of the amount that such U.S. Shareholder realizes and such U.S. Shareholder's tax basis, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">determined in U.S. dollars, in the Ordinary Shares or ADSs. If such U.S. Shareholder has held the Ordinary <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Shares or ADSs for more than one year, such gain or loss will generally be long-term capital gain or loss. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Long-term capital gain of a non-corporate U.S. Shareholder is generally taxed at preferential rates. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">general, gain or loss from a sale or exchange of Ordinary Shares or ADSs by a U.S. Shareholder will be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">treated as income or loss from sources within the United States for foreign tax credit limitation purposes. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">PFIC rules <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V. believes it is not a PFIC for United States federal income tax purposes, and it does not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">expect to become a PFIC in the foreseeable future. However, this conclusion is a factual determination <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">that must be made annually and thus may be subject to change. It is therefore possible that we could <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">become a PFIC in a future taxable year.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">If ING Groep N.V. were to be treated as a PFIC, unless a U.S. Shareholder made an effective election to be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">taxed annually on a mark-to-market basis with respect to the Ordinary Shares or ADSs, any gain from the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">sale or disposition of Ordinary Shares or ADSs by a U.S. Shareholder would be allocated ratably to each <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">year in the holder&#8217;s holding period and would be treated as ordinary income. Tax would be imposed on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">the amount allocated to each year prior to the year of disposition at the highest rate in effect for that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">year, and interest would be charged at the rate applicable to underpayments on the tax payable in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">respect of the amount so allocated. The same rules would apply to &#8220;excess distributions&#8221;, defined <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">generally as any distributions in a single taxable year, other than the taxable year in which the U.S. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 358.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholder's holding period in the shares or ADSs begins, exceeding 125% of the average annual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 370.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">distribution made by ING Groep N.V. in respect of the Ordinary Shares or ADSs over the shorter of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 382.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">three preceding taxable years or the portion of the holder&#8217;s holding period that preceded the taxable year <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 394.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">in which the holder receives the distribution. Dividends received by a U.S. Shareholder will not be eligible <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 406.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">for the special tax rates applicable to qualified dividend income if ING Groep N.V. were a PFIC (or were to be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 418.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">treated as a PFIC with respect to the shareholder) either in the taxable year of the distribution or the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 430.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">preceding taxable year, but instead will be taxable at rates applicable to ordinary income. A U.S. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 442.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholder who owns Ordinary Shares or ADSs during any year that ING Groep N.V. is a PFIC may be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 454.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.12pt; position: var(--position); text-decoration: none; white-space: pre;">required to file Internal Revenue Service Form 8621.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">133<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">F.<span style="display: inline-block; height: 12pt; width: 23.86pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Dividends and paying agents<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 99.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This item does not apply to annual reports on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 131.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">G.<span style="display: inline-block; height: 12pt; width: 21.6pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Statement by experts<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 165.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This item does not apply to annual reports on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 197.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">H.<span style="display: inline-block; height: 12pt; width: 21.27pt;"></span></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 75.97pt; position: var(--position); text-decoration: none; white-space: pre;">Documents on display<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 231.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V. is subject to the informational requirements of the Securities Exchange Act of 1934, as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 243.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">amended. In accordance with these requirements, ING Groep N.V. files reports and other information with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Securities and Exchange Commission (&#8221;SEC&#8221;). These materials, including this Annual Report and its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exhibits, may be inspected and copied on the SEC&#8217;s website at www.sec.gov. You may also inspect ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 279.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Groep N.V.&#8217;s SEC reports and other information on the website of ING Groep N.V. (www.ing.com).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 311.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">I.<span style="display: inline-block; height: 12pt; width: 27.61pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Subsidiary information<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 345.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This item does not apply to annual reports on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 377.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">J.<span style="display: inline-block; height: 12pt; width: 24.55pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Annual Report to Security Holders<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Not <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 58.67pt; position: var(--position); text-decoration: none; white-space: pre;">applicable<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 103.97pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">134<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_70"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Item 11. Quantitative and Qualitative Disclosure of Market Risk<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">See &#8220;Item 5. Operating and Financial Review and Prospects &#8211; Factors Affecting Results of Operations&#8221; and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8220;Additional information - ING Group Risk Management&#8221; for these disclosures, including disclosures relating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to operational, compliance and other non-market-related risks.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">135<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_73"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Item 12. Description of Securities Other Than Equity Securities<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 147.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">A.<span style="display: inline-block; height: 12pt; width: 21.68pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Debt securities<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 181.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This item does not apply to annual reports on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 213.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">B.<span style="display: inline-block; height: 12pt; width: 22.66pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Warrants and rights<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 247.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This item does not apply to annual reports on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 279.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">C.<span style="display: inline-block; height: 12pt; width: 22.87pt;"></span></span><span style="left: 75.97pt; position: var(--position);">Other securities<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This item does not apply to annual reports on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 345.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">D.<span style="display: inline-block; height: 12pt; width: 21.52pt;"></span></span><span style="left: 75.97pt; position: var(--position);">American depositary shares<span style="display: inline-block; height: 12pt;"></span></span></span></div><div style="line-height: 14pt; position: var(--position); top: 383.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Fees and Charges Payable by a Holder of ADSs<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 414.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">JPMorgan Chase Bank, N.A., as ADR depositary, may collect fees for, among other things, the delivery and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">surrender of ADSs directly from investors, or from intermediaries acting for them, depositing Ordinary <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 438.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Shares or surrendering ADSs for the purpose of withdrawal.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">136<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The charges of the ADR depositary payable which may be payable by investors are as follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 91.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 18.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 232.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 18.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 138pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Type of Service<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 96pt; position: var(--position); top: 0pt; width: 232.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ADR Depositary Actions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 347.25pt; position: var(--position); top: 0pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fee Payable<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 122.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 122.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Depositing or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">substituting the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">underlying <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Ordinary Shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 122.25pt; left: 96pt; position: var(--position); top: 14.25pt; width: 232.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Issuance of ADSs against the deposit of Ordinary Shares, <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">including deposits and issuances in respect of: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 24.23pt; width: 232.5pt;"><span style="color: #00338d; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">share distributions, rights and other distributions.<span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 49.43pt; width: 232.5pt;"><span style="color: #00338d; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">a stock dividend or stock split.<span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 74.63pt; width: 232.5pt;"><span style="color: #00338d; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">a merger, exchange of securities or other <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 89.03pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">transactions or events affecting the ADSs or the <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 103.43pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">underlying Ordinary Shares.<span style="display: inline-block; height: 8.73pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 122.25pt; left: 347.25pt; position: var(--position); top: 14.25pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">$5.00 for each 100 ADSs (or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">portion thereof) issued, delivered <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">or upon which a share <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">distributive or elective <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">distribution is made or offered.&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 56.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">The ADR depositary may sell <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 67.43pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">sufficient securities or property <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 78.23pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">received in respect of share <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 89.03pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">distributions, rights and other <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 99.83pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">distributions prior to such <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 110.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">deposit to pay such charge.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 10.5pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #000000; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 136.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Receiving or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">distributing cash <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">dividends<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="3" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #000000; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 96pt; position: var(--position); top: 136.5pt; width: 232.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Distribution of cash dividends or other cash <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">distributions, or offering of elective cash/stock dividends.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="3" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #000000; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 347.25pt; position: var(--position); top: 136.5pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">$0.05 or less per ADS held.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="5" rowspan="1" style="display: none;"/></tr><tr style="height: 12.75pt;"><td colspan="5" rowspan="1" style="display: none;"/></tr><tr style="height: 179.25pt;"><td colspan="1" rowspan="1" style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 179.25pt; left: 0pt; position: var(--position); top: 171.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Selling or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">exercising rights<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 179.25pt; left: 96pt; overflow: hidden; position: var(--position); top: 171.75pt; width: 232.5pt;"><div><div style="line-height: 12pt; position: var(--position); top: 2.63pt; width: 232.5pt;"><span style="color: #00338d; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">additional ADRs resulting from a dividend or free <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 17.03pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">distribution consisting of Ordinary Shares, or U.S <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 31.43pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">dollars resulting from sales of Ordinary Shares <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">received in a distribution.<span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 71.03pt; width: 232.5pt;"><span style="color: #00338d; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">Instruments representing rights to acquire additional <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 85.43pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">ADRs as a result of distribution on Ordinary Shares, <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 99.83pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">or U.S dollars resulting from sales of such rights.<span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 125.03pt; width: 232.5pt;"><span style="color: #00338d; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">other securities available to the ADR depositary <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 139.43pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">resulting from any distribution on the deposited <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 153.83pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">Ordinary Shares, or U.S dollars resulting from sales <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 168.23pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">of such other securities.<span style="display: inline-block; height: 8.73pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 179.25pt; left: 347.25pt; position: var(--position); top: 171.75pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">An amount equal to the fee for <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the execution and delivery of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ADSs which would have been <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">charged as a result of the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">deposit of such securities.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 363.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Withdrawing an <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">underlying <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Ordinary Share<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 96pt; position: var(--position); top: 363.75pt; width: 232.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Acceptance of ADSs surrendered for withdrawal of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">deposited Ordinary Shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 347.25pt; position: var(--position); top: 363.75pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">$5.00 for each 100 ADSs (or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">portion thereof) reduced, <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">cancelled or surrendered.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 18.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 232.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 18.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 138pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Type of Service<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 96pt; position: var(--position); top: 0pt; width: 232.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ADR Depositary Actions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 347.25pt; position: var(--position); top: 0pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fee Payable<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 45.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transferring, <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">splitting or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">grouping of ADRs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 96pt; position: var(--position); top: 14.25pt; width: 232.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Registration, registration of transfer, combination and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">split-up of ADRs in the ADR register as evidenced by the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ADRs surrendered or upon delivery of proper <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">instruments of transfer<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 347.25pt; position: var(--position); top: 14.25pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">$1.50 per ADR.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 132pt;"><td colspan="1" rowspan="1" style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 132pt; left: 0pt; position: var(--position); top: 60pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">General <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">depositary <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">services, <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">particularly those <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">charged on an <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 56.63pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">annual basis<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 132pt; left: 96pt; position: var(--position); top: 60pt; width: 232.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other services performed by the ADR depositary in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">administering the ADR program<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 132pt; left: 347.25pt; position: var(--position); top: 60pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">$0.05 per ADS per calendar year <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(or portion thereof), which may <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">be charged on a periodic basis <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">during each calendar year <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">against holders of the record <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 56.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">date(s) set by the ADR <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 67.43pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">depositary and shall be payable <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 78.23pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">at the sole discretion of the ADR <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 89.03pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">depositary by billing such <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 99.83pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">holders or deducting such <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 110.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">charge from one or more cash <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 121.43pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">distributions.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 122.25pt;"><td colspan="1" rowspan="1" style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 122.25pt; left: 0pt; position: var(--position); top: 204.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Reimbursement <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">of fees, charges <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">and expenses of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the ADR <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">depositary<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 122.25pt; left: 96pt; position: var(--position); top: 204.75pt; width: 232.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">The ADR depositary and/or any of its agents may incur <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">fees, charges and expenses (including expenses incurred <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">on behalf of holders of ADRs in connection with <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">compliance with foreign exchange control regulations or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">any law or regulation relating to foreign investment) in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 56.63pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">connection with the servicing of the underlying Ordinary <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 67.43pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Shares or other deposited securities, the sale of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 78.23pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">securities (including, without limitation, deposited <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 89.03pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">securities), the delivery of deposited securities or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 99.83pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">otherwise in connection with the ADR depositary&#8217;s <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 110.63pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">compliance with applicable law, rule or regulation.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 122.25pt; left: 347.25pt; position: var(--position); top: 204.75pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fees and charges shall be <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">assessed on a proportionate <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">basis against holders of ADRs as <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">of the record date or dates set <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">by the ADR depositary and shall <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 56.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">be payable at the sole discretion <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 67.43pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">of the ADR depositary by billing <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 78.23pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">such holders of ADRs or by <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 89.03pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">deducting such charge from one <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 99.83pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">or more cash dividends or other <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 110.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">cash distributions.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 13.5pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">137<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 18.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 232.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 18.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 138pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Type of Service<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 96pt; position: var(--position); top: 0pt; width: 232.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ADR Depositary Actions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 347.25pt; position: var(--position); top: 0pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fee Payable<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 189.75pt;"><td colspan="1" rowspan="1" style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 189.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other charges <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">and expenses of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the ADR <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">depositary<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 189.75pt; left: 96pt; position: var(--position); top: 14.25pt; width: 232.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">The ADR depositary may incur charges and expenses on <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">behalf of holders in connection with: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 24.23pt; width: 232.5pt;"><span style="color: #00338d; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">stock transfer or other taxes and other <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 38.63pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">governmental charges.<span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 63.83pt; width: 232.5pt;"><span style="color: #00338d; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">SWIFT, cable, telex and facsimile transmission and <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 78.23pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">delivery charges incurred at the request of persons<span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 92.63pt; width: 232.5pt;"><span style="color: #00338d; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">depositing, or holders of ADRs delivering underlying <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 107.03pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">Ordinary Shares, ADRs or deposited securities.<span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 132.23pt; width: 232.5pt;"><span style="color: #00338d; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">transfer or registration fees for the registration or <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 146.63pt; width: 232.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.8pt; position: var(--position); text-decoration: none; white-space: pre;">transfer of deposited securities. <span style="display: inline-block; height: 8.73pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 189.75pt; left: 347.25pt; position: var(--position); top: 14.25pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Payable by holders or persons <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">depositing Ordinary Shares.<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Payable by persons depositing, <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">or holders of ADRs delivering <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 56.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">underlying Ordinary Shares, Ads <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 67.43pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">or deposited securities.<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 89.03pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Payable by persons depositing <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 99.83pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">or withdrawing deposited <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 110.63pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">securities.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #000000; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="line-height: 14pt; position: var(--position); top: 303.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Fees and Payments made by the ADR depositary to ING<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 334.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In consideration for acting as depositary, the ADR depositary has agreed to provide ING with certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 346.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">amounts on an annual basis. In the year ended 31 December 2023, the ADR depositary paid aggregate fees <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and made other direct and indirect payments to ING in an amount of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 351.41999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">USD 8,006,079<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 416.45000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Under certain circumstances, including removal of the ADR depositary or termination of the ADR program <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 397.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by ING, ING is required to repay the ADR depositary certain amounts reimbursed and/or expenses paid to or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 409.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on behalf of ING.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 997.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 137.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 137.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 137.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 451.5pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 593.25pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_130">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">138<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_76"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">PART II.<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="position: absolute; top: 129.31pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_79"></div><div style="line-height: 27pt; position: var(--position); top: 129.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Item 13. Defaults, Dividend Arrearages <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 27pt; position: var(--position); top: 161.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and Delinquencies<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 224.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">None.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 268.11pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_82"></div><div style="line-height: 27pt; position: var(--position); top: 268.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Item 14. Material Modifications to the <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 27pt; position: var(--position); top: 300.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Rights of Security Holders and Use of <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 27pt; position: var(--position); top: 332.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Proceeds<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 395.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">None.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 439.31pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_85"></div><div style="line-height: 27pt; position: var(--position); top: 439.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Item 15. Controls and Procedures<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 501.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Internal control over financial reporting<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 533.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Due to the listing of ING shares on the New York Stock Exchange, ING Group is required to comply with the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 545.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">SEC regulations adopted pursuant to Section 404 of the Sarbanes-Oxley Act (SOX 404). These regulations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">require that the Chief Executive Officer (&#8220;CEO&#8221;) and the Chief Financial Officer (&#8220;CFO&#8221;) of ING Group report <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and certify on an annual basis on the effectiveness of ING Group&#8217;s internal control over financial reporting. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Moreover, the external auditors are required to provide an opinion on the effectiveness of ING Group&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">internal control over financial reporting.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">SOX 404 activities are organised along the lines of the governance structure and involve the participation of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">senior management across ING. Following the SOX 404 process, ING is in the position to publish an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">unqualified statement that the Company&#8217;s internal control over financial reporting was effective as of 31 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">December 2023. The SOX 404 statement by the Executive Board is included on this page, followed by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">report of the external auditor as issued on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 204.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Disclosure<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 611.74pt; position: var(--position); text-decoration: none; white-space: pre;"> Controls and Procedures <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 234.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Company&#8217;s management, under the supervision and with the participation of the CEO and CFO, has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 246.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">performed an evaluation of the effectiveness of the design and operation of the Company&#8217;s disclosure <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 258.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">controls and procedures. Based on that evaluation, the CEO and CFO concluded that the Company&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 270.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">disclosure controls and procedures were effective as of December 31, 2023, the end of the period covered <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 282.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">by the 2023 Form 20-F.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 311.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Report of the Executive Board on Internal Control Over Financial Reporting<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 340.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Executive Board is responsible for establishing and maintaining adequate internal control over financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 352.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reporting. ING&#8217;s internal control over financial reporting is a process designed under the supervision of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 364.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">principal executive and principal financial officers to provide reasonable assurance regarding the reliability <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 376.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of financial reporting and the preparation of financial statements for external purposes in accordance with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 388.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">generally accepted accounting principles. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 415.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Our internal control over financial reporting includes those policies and procedures that:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 442.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 455.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">transactions and dispositions of assets of ING;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 468.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Provide reasonable assurance that transactions are recorded as necessary to permit preparation of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 481.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">financial statements in accordance with generally accepted accounting principles, and that our receipts <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 493.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">and expenditures are being made only in accordance with authorisations of our management and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 506.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">directors; and<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 519.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Provide reasonable assurance regarding prevention or timely detection of unauthorised acquisition, use <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 532.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">or disposition of our assets that could have a material effect on our financial statements. <span style="display: inline-block; height: 12pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">139<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Because of its inherent limitations, internal control over financial reporting may not prevent or detect <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that controls may become inadequate because of changes in conditions, or that the degree of compliance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with the policies or procedures may deteriorate. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Executive Board assessed the effectiveness of internal control over financial reporting as of 31 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">December 2023. In making this assessment, the Executive Board performed tests based on the criteria of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Committee of Sponsoring Organizations of the Treadway Commission (&#8220;COSO&#8221;) in Internal Control &#8211; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Integrated Framework (2013 Framework). Based on the Executive Board&#8217;s assessment and those criteria, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board concluded that the Company&#8217;s internal control over financial reporting was effective as of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">31 December 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 216.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Attestation Report of the Registered Public Accounting Firm<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 246.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our independent registered public accounting firm has audited and issued their report on ING&#8217;s internal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 258.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">control over financial reporting, which appears on the page below. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 287.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in Internal Controls over Financial Reporting<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">There have been no changes in the Company&#8217;s internal controls over financial reporting during the period <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">covered by this Annual Report that have materially affected or are reasonably likely to materially affect, our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">internal control over financial reporting.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 370.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Report of Independent Registered Public Accounting Firm <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 402.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To the Shareholders and the Supervisory Board ING Groep N.V.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 431.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Opinion on Internal Control Over Financial Reporting<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We have audited ING Groep N.V. and subsidiaries&#8217; (the Company) internal control over financial reporting as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of December 31, 2023, based on criteria established in Internal Control &#8211; Integrated Framework (2013) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">issued by the Committee of Sponsoring Organizations of the Treadway Commission. In our opinion, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 496.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Company maintained, in all material respects, effective internal control over financial reporting as of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 508.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">December 31, 2023, based on criteria <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: italic; font-weight: normal; left: 209.27pt; position: var(--position); text-decoration: none; white-space: pre;">established in Internal Control &#8211; Integrated Framework (2013)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 477.92999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> issued by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 520.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Committee of Sponsoring Organizations of the Treadway Commission.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(United States) (PCAOB), the consolidated statements of financial position of the Company as of December <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">31, 2023 and 2022, the related consolidated statements of profit or loss, comprehensive income, changes in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">equity, and cash flows for each of the years in the three-year period ended December 31, 2023,&#160; and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">related notes and specific disclosures described in Note 1 as being part of the consolidated financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">statements (collectively, the consolidated financial statements), and our report dated March 4, 2024 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expressed an unqualified opinion on those consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 165.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Basis for Opinion<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 195.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Company&#8217;s management is responsible for maintaining effective internal control over financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 207.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reporting and for its assessment of the effectiveness of internal control over financial reporting, included in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 219.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the accompanying Report of the Executive Board on Internal Control Over Financial Reporting. Our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 231.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">responsibility is to express an opinion on the Company&#8217;s internal control over financial reporting based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 243.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our audit. We are a public accounting firm registered with the PCAOB and are required to be independent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulations of the Securities and Exchange Commission and the PCAOB.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 294.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 306.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">plan and perform the audit to obtain reasonable assurance about whether effective internal control over <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 318.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial reporting was maintained in all material respects. Our audit of internal control over financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 330.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reporting included obtaining an understanding of internal control over financial reporting, assessing the risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that a material weakness exists, and testing and evaluating the design and operating effectiveness of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">internal control based on the assessed risk. Our audit also included performing such other procedures as we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">opinion.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 407.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Definition and Limitations of Internal Control Over Financial Reporting<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">A company&#8217;s internal control over financial reporting is a process designed to provide reasonable assurance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 448.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regarding the reliability of financial reporting and the preparation of financial statements for external <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">purposes in accordance with generally accepted accounting principles. A company&#8217;s internal control over <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial reporting includes those policies and procedures that (1) pertain to the maintenance of records <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 484.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 496.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">company; (2) provide reasonable assurance that transactions are recorded as necessary to permit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 508.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">preparation of financial statements in accordance with generally accepted accounting principles, and that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 520.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">receipts and expenditures of the company are being made only in accordance with authorizations of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 532.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management and directors of the company; and (3) provide reasonable assurance regarding prevention or <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">140<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">timely detection of unauthorized acquisition, use, or disposition of the company&#8217;s assets that could have a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">material effect on the financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Because of its inherent limitations, internal control over financial reporting may not prevent or detect <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that controls may become inadequate because of changes in conditions, or that the degree of compliance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with the policies or procedures may deteriorate.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">/s/ KPMG Accountants N.V.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 193.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Amstelveen, The Netherlands<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 220.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">March 4, 2024<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 264.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_88"></div><div style="line-height: 27pt; position: var(--position); top: 264.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Item 16A. Audit Committee Financial <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 27pt; position: var(--position); top: 297.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Expert<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 359.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Supervisory Board has determined that Margarete Haase, who is a member of the Supervisory Board, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 371.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">qualifies as an &#8220;audit committee financial expert&#8221; as defined by the SEC pursuant to section 407 of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 383.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Sarbanes-Oxley Act of 2002. The Supervisory Board has further determined that Margarete Haase is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 395.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8220;independent&#8221;, as defined in Rule 10A-3 under the Securities Exchange Act of 1934. She was appointed as a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 407.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">member of the Supervisory Board at the General Meeting in May 2017 and her appointment became <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">effective as per 1 May 2018, as decided by the Supervisory Board in January 2018. Margarete Haase is <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 498.48pt; position: var(--position); text-decoration: none; white-space: pre;">chair <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 431.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the Audit Committee.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_91"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Item 16B. Code of Ethics<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 127.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Orange code and the global Code of Conduct<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 156.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Orange Code and the global Code of Conduct are the foundation of ING&#8217;s risk culture. The global Code of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 168.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Conduct defines the most essential conduct principles expected from ING employees in their daily activities, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 180.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to create additional risk awareness and better meet expectations stated in external rules and guidelines. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 192.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2021, the global Code of Conduct has been embedded into our employees&#8217; performance management cycle <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 204.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to ensure continuous attention to the Global Code of Conduct, and dialogue on how to apply it in our daily <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 216.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">work practice.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 243.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Orange Code is a declaration of who we are. It describes what we can expect from each other when we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">turn up to work each day. It is a set of standards that we collectively value, strive to live up to, and invite <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">others to measure us by. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 294.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Orange Code is the sum of two parts, the ING values and ING behaviours, with integrity being the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 306.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">overarching principle. The ING values (being honest, prudent and responsible) are non-negotiable promises <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 318.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">we make to the world, principles we seek to stick to, no matter what. The ING behaviours (take it on and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 330.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">make it happen, help others to be successful, and always be a step ahead) represent our way to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">differentiate ourselves. The Orange Code is embedded in commitments we make to each other and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">standards by which we measure each other&#8217;s performance.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 381.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The ING Code of ethics are the ING Orange Code and the ING Global Code of Conduct and no waivers have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 393.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">been granted for either of them.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 420.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Orange Code applies to all employees worldwide, including the principal executive, financial and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 432.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">accounting officers. The values and behaviours of the Orange Code are available on the ING website at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 444.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">https://www.ing.jobs/global/careers/why-join/our-orange-code.htm.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 471.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, there were no amendments to the Orange Code. ING did not grant any waivers (including implicit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 483.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">waivers) under the Orange Code to the principal executive, financial or accounting officers in 2023. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 512.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Orange Code Decision Making<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 542.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">To enhance risk awareness, support moral learning, and enable people to perform proper risk judgement, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 554.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the Orange Code Decision Making model (introduced globally as of 2017, approved by the MBB) aims to <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">141<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">support our employees in dealing with dilemmas in a balanced and fair way, by using the OCDM-method <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and/or having OCDM-dialogue sessions. This four-step approach supports balanced decision-making by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">weighing the rights and interest of all stakeholders involved and also ensuring the necessary mitigating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">measures where possible. ING&#8217;s Risk Culture&amp;Behavioural Risk Department ensures awareness for and and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">knowledge of OCDM in the countries and at global level, so that all can properly apply the model. Moreover, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the model has been embedded into other decision making processes, such as the data ethics governance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">process and the global Product Approval and Review Process.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 165.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Conflicts of Interest <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 195.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING is committed to identify conflicts of interest and act on them. The Conflicts of Interest policy sets the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 207.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">obligation to identify, assess and manage conflicts of interest when personal or organisational interests are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 219.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in conflict over the interest of our client(s), employees or other stakeholders. In 2022 the Conflicts of Interest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 231.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">policy was revised and implemented to further align with the standards as defined by enterprise risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 243.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management. The policy incorporates key requirements for both personal and organisational conflicts of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest in line with the European Bank Authority Guidelines on Internal Governance. Next to the updated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">policy, mandatory instructions on conflict of interest registers are implemented which provides instructions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 279.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to identify, assess, mitigate or prevent and record all structural and incidental conflicts of interest. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 306.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING maintains a policy on Conflicts of Interests which applies to all employees worldwide, including the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 318.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">principal executive, financial and accounting officers. A description of the policy on Conflicts of Interest is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 330.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">available to view on the ING website at https://www.ing.com/About-us/Compliance/Conflicts-of-interest-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and-confidential-information.htm.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 369.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING did not grant any waivers (including implicit waivers) under the Conflicts of Interest Policy to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 381.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">principal executive, financial or accounting officers in 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 410.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Whistleblower<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 439.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The programme launched in 2021 to enhance the global whistleblower process has been concluded. In 2022 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 451.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">whistleblowing enhancement activities have continued with an emphasis on increasing employee <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 463.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">awareness on misconduct reporting. Sanitized whistleblowing data has been shared within the organisation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to provide more transparency on the types of concerns employees do report and our rapidity of response. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 487.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 an update of the whistleblower policy was approved adjusting the wording in line with European <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 499.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory standards and streamlining the process steps. Updated policy will be effective per start of 2024 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 511.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on a concern by concern reported basis. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 538.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The&#160; Whistleblower Policy is available on the ING website at www.ing.com/About-us/Compliance/ING-Group-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 550.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Whistleblower-Policy.htm. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING granted ING T&#252;rkiye a waiver and ING Bank &#346;l&#261;ski S.A (Poland) a deviation, because local regulations in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">both locations are stricter than the ING Whistleblower Policy. No further waivers or deviations were granted <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(including implicit waivers) under the Whistleblower Policy to the principal executive, financial or accounting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">officers in 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 129.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Banker&#8217;s Oath <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 159.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In the Netherlands, all employees of ING take the Bankers&#8217; Oath (including ING's principal executive, financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 171.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and accounting officers) and pledge this promise in a meaningful ceremony. The Oath came into force in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 183.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands on 1 April 2015, as part of a joint approach from all banks, aimed at introducing social <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 195.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulations, a revised Dutch Banking Code implementing an oath with associated rules of conduct and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 207.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">disciplinary law. This way the Dutch banks show society what they stand for and are accountable for, both <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 219.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as individual banks and as a sector. In 2021, due to the Covid-19 pandemic, ING NL changed to virtual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 231.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Bankers&#8217; Oath ceremonies via Teams, instead of the former physical ones, to ensure that all new employees <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 243.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(around 400 a month) can still take the Bankers&#8217; Oath in time and in a meaningful ceremony. Before taking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the Oath, an e-learning is followed and the importance of the Oath is discussed. Also, dilemmas that the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">employees may come across in their daily work are shown, to ensure careful balancing of the interests of all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 279.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our stakeholders, in the decisions we make. In 2020 and 2021 the whole Bankers&#8217; Oath programme for new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 291.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">joiners was revised and updated, to ensure that all elements still align with the current developments, both <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 303.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">internally and externally.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 330.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, there were no amendments to the Banker's Oath. The ING NL Banker&#8217;s Oath Guidelines (last <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reviewed in 2020) will be reviewed soon however (Q1 2024 expectedly). ING NL did grant temporary waivers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for the Banker's Oath, but not to any principal executives, financial and accounting officers in 2023 (unless <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">they were not in scope of the Banker&#8217;s Oath obligation according to ING NL&#8217;s Banker&#8217;s Oath Guidelines). The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">text of the Banker&#8217;s Oath can be found here: https://www.ing.com/About-us/Corporate-governance/Dutch-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 390.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Banking-Code.htm.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 434.31pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_94"></div><div style="line-height: 27pt; position: var(--position); top: 434.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Item 16C. Principal Accountant Fees <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 27pt; position: var(--position); top: 466.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and Services<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">At the Annual General Meeting held on 23 April 2019, KPMG (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 825.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-1" name="dei:AuditorName" id="f-114">KPMG Accountants N.V.</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 930.6800000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 943.79pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-1" name="dei:AuditorLocation" id="f-115" continuedAt="f-115-1">Amstelveen, the </ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-115-1">Netherlands</ix:continuation><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 609.88pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8211; PCAOB ID: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 666.25pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-1" name="dei:AuditorFirmId" id="f-116">1012</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 688.77pt; position: var(--position); text-decoration: none; white-space: pre;">) was re-appointed as the external audit firm for ING Group for the financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 553.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">years 2020 through 2023. This appointment includes the responsibility to provide an audit opinion on the <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">142<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial statements and internal control over financial reporting on 31 December 2023 and to report on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">outcome of these audits to the Executive Board and the Supervisory Board. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">At the Annual General Meeting held on 24 April 2023 KPMG was re-appointed as the external audit firm for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group for the financial years 2024 and 2025 which will be the maximum term for KPMG as the external <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">auditor. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The external auditor may be questioned at the Annual General Meeting in relation to its audit opinion on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial statements. The external auditor will therefore attend and be entitled to address this meeting. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">external auditor attended the meetings of the Risk Committee and of the Audit Committee and attended <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and addressed the 2022 Annual General Meeting, at which the external auditor provided an explanation on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the audit activities and the audit opinion. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 229.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The external auditor may only provide services to ING Group and its subsidiaries with the permission of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Audit Committee, in line with the ING Group Policy on External Auditors&#8217; Independence. All services were <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 253.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">approved by the Audit Committee.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 280.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">More information on the ING Group Policy on External Auditors&#8217; Independence is available on the website of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 292.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group www.ing.com.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 321.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Audit fees<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 336.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Audit fees were paid for audit and assurance services provided by the auditors. The services provided <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 350.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">include the audit of ING Group&#8217;s consolidated financial statements and Form 20-F. Moreover, these services <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 362.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">include the audits of the statutory financial statements of its subsidiaries. And, it includes assurance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 374.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">services provided by the auditor regarding other filings for regulatory and supervisory purposes as well as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 386.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the review on interim financial statements. Furthermore, it includes the assurance services relating to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 398.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">comfort letters issued in connection with prospectuses and reviews of SEC product filings.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 427.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Audit-related fees<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 442.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Audit-related fees were paid for assurance and related services that are reasonably related to the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 456.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performance of the audit or review of the consolidated financial statements not reported under the audit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 468.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fee item above. These services consisted primarily of specific agreed-upon procedure engagements and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 480.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">assurance engagements for third parties.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Tax fees<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Over 2023 no tax fees were paid. Under the current ING Group Policy on External Auditors&#8217; Independence <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">most tax services are prohibited. Some tax services are only allowed after specific approval under an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 105.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;exception procedure&#8217;. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 132.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to Note 27 &#8216;Audit fees&#8217; in the consolidated financial statements for audit, audit-related, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 144.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">tax and all other fees paid to the external auditors in 2023, 2022 and 2021.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 188.71pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_97"></div><div style="font-size: 27pt; line-height: 27pt; position: var(--position); top: 188.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Item 16D. <span style="display: inline-block; height: 20.25pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 679.05pt; position: var(--position); text-decoration: none; white-space: pre;">Exemptions from the Listing <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 27pt; position: var(--position); top: 221.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Standards for Audit Committees<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 283.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Not applicable.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 327.51pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_100"></div><div style="line-height: 27pt; position: var(--position); top: 327.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Item 16E. Purchases of Equity Securities <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 27pt; position: var(--position); top: 359.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">by the Issuer and Affiliated Purchasers<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 422.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Share buyback programmes in 2023<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">On <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 570.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;">2 November 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 650.15pt; position: var(--position); text-decoration: none; white-space: pre;">, ING announced a share buyback programme for a maximum total amount of EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2,500 million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 612.38pt; position: var(--position); text-decoration: none; white-space: pre;">. The share buyback programme commenced on 3 November 2023 and was completed on 7 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 475.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">February 2024. The purpose of the share buyback programme was to reduce the share capital of ING. It is a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 487.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">next step in converging our CET1 ratio towards our target of around <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 859.48pt; position: var(--position); text-decoration: none; white-space: pre;">12.5%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 887.39pt; position: var(--position); text-decoration: none; white-space: pre;"> by 2025.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 514.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">On 11 May 2023, ING announced a share buyback programme for a maximum total amount of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1002.19pt; position: var(--position); text-decoration: none; white-space: pre;">1,500 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 526.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 584.9499999999999pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 589.86pt; position: var(--position); text-decoration: none; white-space: pre;">The share buyback programme was completed on 13 October 2023 for a total consideration of EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 538.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1,566 million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 612.38pt; position: var(--position); text-decoration: none; white-space: pre;">. In total <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 651.5699999999999pt; position: var(--position); text-decoration: none; white-space: pre;">104.41%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 690.74pt; position: var(--position); text-decoration: none; white-space: pre;"> of the announced total value of the programme of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 941.75pt; position: var(--position); text-decoration: none; white-space: pre;">1,500 million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 999.1099999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> was <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 550.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">purchased. The purchases exceeded 100% due to performance arrangements, including the average price <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">143<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">per share, with our executing broker for the programme. The broker repurchased shares until the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performance arrangements were fulfilled. The total consideration for ING was limited to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 454pt; position: var(--position); text-decoration: none; white-space: pre;">1,500 million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 511.36pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The excess purchases above this amount were funded by the executing broker. Based on the total <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">programme period, the effective average price for ING was EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 324.36pt; position: var(--position); text-decoration: none; white-space: pre;">12.36<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 349.28999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">. The purpose of the share buyback <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">programme was to reduce the share capital of ING and the shares have been cancelled in December 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On 1 March 2023, ING announced a share buyback programme for a maximum total amount of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 490pt; position: var(--position); text-decoration: none; white-space: pre;">50 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.9pt; position: var(--position); text-decoration: none; white-space: pre;">. The share buyback programme was executed by ING and completed on 2 March 2023 for a total <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consideration of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 135.01pt; position: var(--position); text-decoration: none; white-space: pre;">42 million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 178.7pt; position: var(--position); text-decoration: none; white-space: pre;">. The purpose of the share repurchase programme was to meet obligations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">under the share-based compensation plans. After fulfilling delivery obligations under the employee share-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">based compensation scheme, the buyback programme had negligible impact on our CET1 ratio.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 216.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Share buyback programmes completed in<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 269.35pt; position: var(--position); text-decoration: none; white-space: pre;"> 20<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 286.21000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">22<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 246.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On 3 November 2022, ING announced a share buyback programme for a maximum total amount of EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 258.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1,500&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 97.33pt; position: var(--position); text-decoration: none; white-space: pre;">. The programme was completed on 28 December 2022 for a total consideration of EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 270.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1,204&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 97.33pt; position: var(--position); text-decoration: none; white-space: pre;">. The remainder of the total amount of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 292.49pt; position: var(--position); text-decoration: none; white-space: pre;">1,500&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 349.85pt; position: var(--position); text-decoration: none; white-space: pre;">, amounting to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 438.9pt; position: var(--position); text-decoration: none; white-space: pre;">297&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 488.22pt; position: var(--position); text-decoration: none; white-space: pre;"> or EUR&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">0.082<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 64.9pt; position: var(--position); text-decoration: none; white-space: pre;"> per share, has been paid to shareholders in cash on 16 January 2023. The total number of shares <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 294.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">repurchased under the programme is <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 210.1pt; position: var(--position); text-decoration: none; white-space: pre;">107,032,745<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 265.59000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> ordinary shares. The purpose of the share buyback <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 306.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">programme is to reduce the share capital of ING. It is a next step in converging our CET1 ratio towards the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 318.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">target of around <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 116.26pt; position: var(--position); text-decoration: none; white-space: pre;">12.5%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 144.17000000000002pt; position: var(--position); text-decoration: none; white-space: pre;"> by 2025. These shares have been cancelled in March 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 345.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On 6 May 2022, ING announced a share buyback programme for EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 351.46000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">380&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 400.78pt; position: var(--position); text-decoration: none; white-space: pre;">. The programme <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 357.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">commenced on 12 May 2022 and was completed on 14 July 2022. The total number of shares repurchased <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 369.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">under the programme is <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 151.64pt; position: var(--position); text-decoration: none; white-space: pre;">40,749,792<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 201.5pt; position: var(--position); text-decoration: none; white-space: pre;"> ordinary shares at an average price of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 396.88pt; position: var(--position); text-decoration: none; white-space: pre;">9.41<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 416.17999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> for a total <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 381.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consideration of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 135.01pt; position: var(--position); text-decoration: none; white-space: pre;">383&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 184.33pt; position: var(--position); text-decoration: none; white-space: pre;">. The purpose of the share buyback programme was to reduce the share <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 393.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">capital of ING. These shares have been cancelled in November 2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 420.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On 1 October 2021, ING announced a share buyback programme under which it repurchases ordinary <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shares of ING Groep, with a maximum total value of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 293.77pt; position: var(--position); text-decoration: none; white-space: pre;">1,744&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 351.13pt; position: var(--position); text-decoration: none; white-space: pre;"> and for a number of shares not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exceeding the authority granted by the general meeting of shareholders (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 370.62pt; position: var(--position); text-decoration: none; white-space: pre;">10%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 390.49pt; position: var(--position); text-decoration: none; white-space: pre;"> of the issued shares). The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">share buyback programme commenced on 5 October 2021 and was completed on 25 February 2022. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">total number of shares repurchased under the programme is <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 314.86pt; position: var(--position); text-decoration: none; white-space: pre;">139,711,040<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 370.35pt; position: var(--position); text-decoration: none; white-space: pre;"> ordinary shares at an average <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">price of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 95.78999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">12.47<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 120.72pt; position: var(--position); text-decoration: none; white-space: pre;"> for a total consideration of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 264.82pt; position: var(--position); text-decoration: none; white-space: pre;">1,742&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 322.17999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">. The purpose of the share buyback <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">programme was to reduce the share capital of ING. These shares have been cancelled in July 2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">General<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 94.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">All share buyback programmes have been approved by the ECB and were executed within the limitations of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 106.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the existing authority of a maximum of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 733.39pt; position: var(--position); text-decoration: none; white-space: pre;">10%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 753.26pt; position: var(--position); text-decoration: none; white-space: pre;"> of the issued shares as granted by the g<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 934.8499999999999pt; position: var(--position); text-decoration: none; white-space: pre;">eneral meeting of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 118.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">shareholders on 24 April 2023, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 693.48pt; position: var(--position); text-decoration: none; white-space: pre;">25 April 2022 and 26 April 2021 and in compliance with the Market Abuse <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 130.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Regulation. For each buyback, ING entered into a non-discretionary arrangement with a financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">intermediary to conduct the buybacks, except for the share repurchase programme for the employee <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">share-based compensation plans which was executed by ING.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 181.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V. has no other publicly announced plans or programmes to repurchase shares. In 2023, ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 193.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Groep N.V. did not determine to terminate any publicly announced plans or programmes prior to expiration, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 205.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">or determine that it intends not to make any further purchases under any publicly announced plans or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 217.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">programmes.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 244.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">There were no other purchases by us or any of our affiliated purchasers of any of our equity securities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">registered <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 602.79pt; position: var(--position); text-decoration: none; white-space: pre;">pursuant<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 643.18pt; position: var(--position); text-decoration: none; white-space: pre;"> to Section 12 of the Securities Exchange Act of 1934 during the fiscal years ended <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 268.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">December 31, 2023, 2022 and 2021.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">144<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 452.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 125.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 71.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 69.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 86.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 99.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="5" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 452.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 452.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Purchases of Equity Securities by the Issuer and affiliated Purchasers<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 57pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 0pt; position: var(--position); top: 14.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 125.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Month of purchase<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 125.25pt; position: var(--position); top: 14.25pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.16pt; position: var(--position); text-decoration: none; white-space: pre;">Total number of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 42.14pt; position: var(--position); text-decoration: none; white-space: pre;">shares <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.11pt; position: var(--position); text-decoration: none; white-space: pre;">purchased<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 65.33pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 196.5pt; position: var(--position); top: 14.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.03pt; position: var(--position); text-decoration: none; white-space: pre;">Average price <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.7pt; position: var(--position); text-decoration: none; white-space: pre;">paid per share <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 41.65pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 266.25pt; position: var(--position); top: 14.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.3pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">Total number of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.1pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.67pt; position: var(--position); text-decoration: none; white-space: pre;">shares purchased <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.14pt; position: var(--position); text-decoration: none; white-space: pre;">as part of publicly <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.77pt; position: var(--position); text-decoration: none; white-space: pre;">announced plans or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.55pt; position: var(--position); text-decoration: none; white-space: pre;">programmes <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 68.03pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2, 3, 4 <span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 352.5pt; position: var(--position); top: 14.25pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.3pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.58pt; position: var(--position); text-decoration: none; white-space: pre;">Maximum Value of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.1pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.97pt; position: var(--position); text-decoration: none; white-space: pre;">shares that may yet be <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.25pt; position: var(--position); text-decoration: none; white-space: pre;">purchased under the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.59pt; position: var(--position); text-decoration: none; white-space: pre;">plans or programmes <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 42.5pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 71.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">January 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 84pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">February 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 96.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">March 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 96.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.88pt; position: var(--position); text-decoration: none; white-space: pre;">3,155,748<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 196.5pt; position: var(--position); top: 96.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.72pt; position: var(--position); text-decoration: none; white-space: pre;">13.18<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 266.25pt; position: var(--position); top: 96.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.88pt; position: var(--position); text-decoration: none; white-space: pre;">3,155,748<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 96.75pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 93.77pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 109.5pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">April 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 122.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">May 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 122.25pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.88pt; position: var(--position); text-decoration: none; white-space: pre;">4,777,058<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 196.5pt; position: var(--position); top: 122.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.72pt; position: var(--position); text-decoration: none; white-space: pre;">11.93<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 266.25pt; position: var(--position); top: 122.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.88pt; position: var(--position); text-decoration: none; white-space: pre;">4,777,058<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 122.25pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 74.72pt; position: var(--position); text-decoration: none; white-space: pre;">1,443<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 135pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">June 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 135pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.88pt; position: var(--position); text-decoration: none; white-space: pre;">7,366,865<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 196.5pt; position: var(--position); top: 135pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.72pt; position: var(--position); text-decoration: none; white-space: pre;">12.08<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 266.25pt; position: var(--position); top: 135pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.88pt; position: var(--position); text-decoration: none; white-space: pre;">7,366,865<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 135pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 74.72pt; position: var(--position); text-decoration: none; white-space: pre;">1,354<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 147.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">July 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 147.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.88pt; position: var(--position); text-decoration: none; white-space: pre;">6,740,447<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 196.5pt; position: var(--position); top: 147.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.72pt; position: var(--position); text-decoration: none; white-space: pre;">12.88<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 266.25pt; position: var(--position); top: 147.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.88pt; position: var(--position); text-decoration: none; white-space: pre;">6,740,447<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 147.75pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 74.72pt; position: var(--position); text-decoration: none; white-space: pre;">1,267<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 160.5pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">August 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 160.5pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.82pt; position: var(--position); text-decoration: none; white-space: pre;">82,066,015<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 196.5pt; position: var(--position); top: 160.5pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.72pt; position: var(--position); text-decoration: none; white-space: pre;">13.11<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 266.25pt; position: var(--position); top: 160.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.82pt; position: var(--position); text-decoration: none; white-space: pre;">82,066,015<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 160.5pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 81.94pt; position: var(--position); text-decoration: none; white-space: pre;">191<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 173.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">September 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 173.25pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.82pt; position: var(--position); text-decoration: none; white-space: pre;">15,320,297<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 196.5pt; position: var(--position); top: 173.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.72pt; position: var(--position); text-decoration: none; white-space: pre;">12.67<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 266.25pt; position: var(--position); top: 173.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.82pt; position: var(--position); text-decoration: none; white-space: pre;">15,320,297<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 173.25pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 93.77pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 186pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">October 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 186pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.88pt; position: var(--position); text-decoration: none; white-space: pre;">5,046,819<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 196.5pt; position: var(--position); top: 186pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.72pt; position: var(--position); text-decoration: none; white-space: pre;">12.59<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 266.25pt; position: var(--position); top: 186pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.88pt; position: var(--position); text-decoration: none; white-space: pre;">5,046,819<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 186pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 93.77pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 198.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">November 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 198.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.82pt; position: var(--position); text-decoration: none; white-space: pre;">88,879,753<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 196.5pt; position: var(--position); top: 198.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.72pt; position: var(--position); text-decoration: none; white-space: pre;">12.51<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 266.25pt; position: var(--position); top: 198.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.82pt; position: var(--position); text-decoration: none; white-space: pre;">88,879,753<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 198.75pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 74.72pt; position: var(--position); text-decoration: none; white-space: pre;">1,388<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 211.5pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">December 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 211.5pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.82pt; position: var(--position); text-decoration: none; white-space: pre;">64,815,771<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 196.5pt; position: var(--position); top: 211.5pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.72pt; position: var(--position); text-decoration: none; white-space: pre;">13.42<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 266.25pt; position: var(--position); top: 211.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.82pt; position: var(--position); text-decoration: none; white-space: pre;">64,815,771<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 211.5pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 81.94pt; position: var(--position); text-decoration: none; white-space: pre;">518<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 224.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 224.25pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.14pt; position: var(--position); text-decoration: none; white-space: pre;">278,168,773<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 196.5pt; position: var(--position); top: 224.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 44pt; position: var(--position); text-decoration: none; white-space: pre;">12.90<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 266.25pt; position: var(--position); top: 224.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 32.14pt; position: var(--position); text-decoration: none; white-space: pre;">278,168,773<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 237pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 249.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Purchased in the open <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">market<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 125.25pt; position: var(--position); top: 249.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.76pt; position: var(--position); text-decoration: none; white-space: pre;">278,168,773<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 196.5pt; position: var(--position); top: 249.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.72pt; position: var(--position); text-decoration: none; white-space: pre;">12.90<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 266.25pt; position: var(--position); top: 249.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.76pt; position: var(--position); text-decoration: none; white-space: pre;">278,168,773<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 352.5pt; position: var(--position); top: 249.75pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 81.94pt; position: var(--position); text-decoration: none; white-space: pre;">518<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 273.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Acquired through exercise of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">call options / settlement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">forward contracts<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 125.25pt; position: var(--position); top: 273.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 53.97pt; position: var(--position); text-decoration: none; white-space: pre;">n.a.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 196.5pt; position: var(--position); top: 273.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 52.47pt; position: var(--position); text-decoration: none; white-space: pre;">n.a.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 266.25pt; position: var(--position); top: 273.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 68.97pt; position: var(--position); text-decoration: none; white-space: pre;">n.a.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 352.5pt; position: var(--position); top: 273.75pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 82.47pt; position: var(--position); text-decoration: none; white-space: pre;">n.a.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 8pt; position: var(--position); top: 378.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">The table excludes purchases on behalf of clients in ING Groep N.V. shares.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 388.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">On<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 57.300000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> 1 March 2023, ING announced a share buyback programme for EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 302.78pt; position: var(--position); text-decoration: none; white-space: pre;">50&#160;million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 337.69pt; position: var(--position); text-decoration: none; white-space: pre;">. The programme was completed on 2 March 2023. <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 398.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">The total number of shares repurchased under the programme is <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 281.76pt; position: var(--position); text-decoration: none; white-space: pre;">3,155,748<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 317.1pt; position: var(--position); text-decoration: none; white-space: pre;"> ordinary shares at an average price of EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 473.23pt; position: var(--position); text-decoration: none; white-space: pre;">13.18<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 493.15pt; position: var(--position); text-decoration: none; white-space: pre;"> per <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 407.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">share for a total consideration of EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 182.16pt; position: var(--position); text-decoration: none; white-space: pre;">42&#160;million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 217.07pt; position: var(--position); text-decoration: none; white-space: pre;">. The programme is executed by ING during a two day period. The purpose of the <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 417.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">share buyback programme was to meet obligations under the employee share-based compensation plans. <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 426.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">On 11 May 2023, ING announced a share buyback programme for a maximum total amount of EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 404.42pt; position: var(--position); text-decoration: none; white-space: pre;">1,500&#160;million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 450.25pt; position: var(--position); text-decoration: none; white-space: pre;">. The programme <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 436.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">was completed on 13 October 2023. The total number of shares repurchased under the programme is <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 412.96pt; position: var(--position); text-decoration: none; white-space: pre;">121,317,501<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 457.3pt; position: var(--position); text-decoration: none; white-space: pre;"> ordinary shares at <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 446.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">an average price of EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 133.82999999999998pt; position: var(--position); text-decoration: none; white-space: pre;">12.91<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 153.75pt; position: var(--position); text-decoration: none; white-space: pre;"> per share for a total consideration of EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 304.53000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">1,566&#160;million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 350.36pt; position: var(--position); text-decoration: none; white-space: pre;"> (effective average price for ING was EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 496.89pt; position: var(--position); text-decoration: none; white-space: pre;">12.36<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 516.81pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 455.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">per share after compensation received from the executing broker). The purchases exceeded 100% due to performance <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 465.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">arrangements, including the average price per share, with the executing broker for the programme. The excess purchases were <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 474.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">funded by the executing broker. The programme is executed by an intermediary to allow for purchases in the open market during <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 484.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">both open and closed periods. The purpose of the share buyback programme is to reduce the share capital of ING. The shares have <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 494.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">been cancelled in December 2023.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 503.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">4<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">On 2 November 2023, ING announced a share buyback programme for a maximum total amount of EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 421.93pt; position: var(--position); text-decoration: none; white-space: pre;">2,500&#160;million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 467.76pt; position: var(--position); text-decoration: none; white-space: pre;">. The share <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 513.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">buyback programme commenced on 3 November 2023 and was completed on 7 February 2024. The total number of shares <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 522.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">repurchased under the programme as per 31 December 2023 is <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 276.57pt; position: var(--position); text-decoration: none; white-space: pre;">153,695,524<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 320.91pt; position: var(--position); text-decoration: none; white-space: pre;"> ordinary shares at an average price of E<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 465.14pt; position: var(--position); text-decoration: none; white-space: pre;">UR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 477.04pt; position: var(--position); text-decoration: none; white-space: pre;">12.90<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 496.96pt; position: var(--position); text-decoration: none; white-space: pre;"> per <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 532.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">share for a total consideration of EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 182.16pt; position: var(--position); text-decoration: none; white-space: pre;">1,982&#160;million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 227.99pt; position: var(--position); text-decoration: none; white-space: pre;"> with EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 263.67pt; position: var(--position); text-decoration: none; white-space: pre;">518&#160;million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 303.08pt; position: var(--position); text-decoration: none; white-space: pre;"> remaining and purchased in 2024. The programme is <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 542.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">executed by an intermediary to allow for purchases in the open market during both open and closed periods. The purpose of the <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 551.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">share buyback programme is to reduce the share capital of ING.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_103"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Item 16F. Changes in Registrant&#8217;s <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 27pt; position: var(--position); top: 97.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Certifying Accountant<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 159.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">While there has been no change in ING&#8217;s certifying accountant during the most recent two financial years, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 171.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">following a decision on 30 January 2024, on 5 February 2024 ING announced that the Board will propose to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 183.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the 2024 Annual General Meeting of Shareholders to appoint Deloitte Accountants BV (Deloitte), as the new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 195.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">external audit firm for ING Group for the audit of the annual accounts for the financial years 2026 through <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 207.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2029. The proposal to appoint Deloitte was the result of a thorough tender process overseen by the Audit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 219.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Committee of the Supervisory Board and in accordance with ING Group&#8217;s policy on the Auditors&#8217; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 231.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Independence. The change in auditors is being made based on European and Dutch legislation. Accordingly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 243.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the engagement of KPMG Accountants N.V. (KPMG), ING Group&#8217;s current auditor, cannot be renewed in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">respect of financial year 2026. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 282.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">During the two most recent financial years and any subsequent interim period, (1) KPMG has not issued any <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 294.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reports on the financial statements of ING Group or on the effectiveness of internal control over financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 306.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reporting that contained an adverse opinion or a disclaimer of opinion, nor were the auditors&#8217; reports of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 318.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">KPMG, qualified or modified as to uncertainty, audit scope, or accounting principles, (2) there has not been <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 330.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">any disagreement over any matter of accounting principles or practices, financial statement disclosure, or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">auditing scope or procedures, which disagreements if not resolved to KPMG&#8217;s satisfaction would have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">caused it to make reference to the subject matter of the disagreement in connection with its auditors&#8217; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reports, or any &#8220;reportable event&#8221; as described in Item 16F(a)(1)(v) of Form 20-F. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 393.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING has provided KPMG with a copy of the foregoing disclosure and has requested that KPMG furnish ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 405.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with a letter addressed to the SEC stating whether it agrees with such disclosure. A copy of the letter, dated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 417.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">8 March 2024, is filed herewith as Exhibit 15.2.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 444.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">During the fiscal years ended 31 December 2023 and 2022 and any subsequent interim period through 30 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 456.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">January 2024, neither ING nor anyone on its behalf has consulted with Deloitte regarding either (i) the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 468.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">application of accounting principles to a specified transaction, either completed or proposed, or the type of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 480.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">audit opinion that might be rendered with respect to the consolidated financial statements of ING, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 492.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">neither a written report nor oral advice was provided to ING that Deloitte concluded was an important factor <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 504.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">considered by ING in reaching a decision as to any accounting, auditing, or financial reporting issue; or (ii) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 516.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">any matter that was the subject of a disagreement as that term is used in Item 16F(a)(1)(iv) of Form 20-F or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 528.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a &#8220;reportable event&#8221; as described in Item 16F(a)(1)(v) of Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">145<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_106"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Item 16G. Corporate Governance<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 127.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Dutch Corporate Governance Code, Banking Code <span style="display: inline-block; height: 12pt;"></span></span><span style="background-color: #ffffff; color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 404.07000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">and Dutch Tax </span><span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 146.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Governance Code</span><span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 173.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As ING Group is established and listed in the Netherlands, it must comply with Dutch laws and regulations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 185.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and is subject to the Dutch Corporate Governance Code (the DCGC).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 212.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The DCGC provides guidance for ING&#8217;s corporate governance structure and practices. ING supports the DCGC <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 224.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and its principles to ensure sound corporate governance within its organisation. ING&#8217;s application of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 236.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">DCGC is described in the booklet &#8216;Application of the Dutch Corporate Governance Code by ING Groep N.V. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 248.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(FY2023) dated 7 March <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 148.35pt; position: var(--position); text-decoration: none; white-space: pre;">2024<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 170.87pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">, which is available on ing.com. </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 311.03999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">The DCGC can be downloaded from the website <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 260.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the Corporate Governance Monitoring Committee (mccg.nl).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 287.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Dutch Banking Code (the Banking Code) is only applicable to ING Bank, but ING Group voluntarily applies <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 299.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the principles of the Banking Code on remuneration for its Executive Board members and senior <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 311.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management. The Banking Code can be downloaded from the website of the Dutch Banking Association <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 323.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(nvb.nl).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 350.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group also voluntarily applies the principles of the Dutch Tax Governance Code. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 14pt; line-height: 14pt; position: var(--position); top: 380.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">D<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 49.28pt; position: var(--position); text-decoration: none; white-space: pre;">ifferences between Dutch and US co<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 281.6pt; position: var(--position); text-decoration: none; white-space: pre;">rporate governance practices<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 412.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group qualifies as a foreign private issuer under the US Securities and Exchange Commission (SEC) rules <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 424.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and is permitted to follow home-country practice in some circumstances, in lieu of certain corporate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 436.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">governance standards required by the New York Stock Exchange (NYSE) applicable to US domestic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 448.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">companies. Accordingly, ING Group must disclose in its Annual Report on Form 20-F any significant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 460.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">differences between its corporate governance practices and those applicable to US companies under NYSE <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 472.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">listing standards. ING Group believes these differences are the following:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 499.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group has a two-tier board structure, in contrast to the one-tier board structure used by most US <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 512.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">companies. In the Netherlands, a public limited liability company with a two-tier board structure has an <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 525.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">executive board as its management body and a supervisory board that advises and supervises the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 537.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">executive board. Supervisory board members are often former state or business leaders and sometimes <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">former members of the executive board. A member of the executive board or other officer or employee <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">of the company cannot simultaneously be a member of the supervisory board. The supervisory board <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">must approve specified decisions of the executive board.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Under the DCGC, all members of the supervisory board, with the exception of not more than one person, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 128.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">should be &#8216;independent&#8217; as determined under the DCGC. However, the definition of &#8216;independent&#8217; under <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">the DCGC differs in its details from the definition of &#8216;independent&#8217; under the NYSE listing standards. All <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">members of ING&#8217;s Supervisory Board, are independent as determined under the DCGC. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 175.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">NYSE listing standards require a US company to have a compensation committee and a nominating/<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 188.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">corporate governance committee, each composed entirely of independent directors (as determined <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 200.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">under the NYSE listing standards). ING&#8217;s Nomination and Corporate Governance Committee and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 213.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration Committee are composed entirely of members of the Supervisory Board who are <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 226.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">independent as determined under the DCGC.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 252.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">NYSE listing standards <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 670.59pt; position: var(--position); text-decoration: none; white-space: pre;">require<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 702.26pt; position: var(--position); text-decoration: none; white-space: pre;"> that, when a member of the audit committee of a US company serves on <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 264.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">four or more audit committees of public companies, the company should disclose (on its website, in its <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 277.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">annual proxy statement or in its annual report filed with the SEC) that the board of directors has <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 290.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">determined this simultaneous service would not impair the director&#8217;s service to the company. Dutch law <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 303.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">does not require the Supervisory Board to make such a determination.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">In contrast to the NYSE listing standards, the DCGC contains a &#8216;comply-or-explain&#8217; principle, offering the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 341.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">possibility of deviating from the DCGC. For any deviations by ING Group, please refer to the paragraph <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Dutch Corporate Governance Code, Banking Code and Dutch Tax Governance Code&#8217;.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 380.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">NYSE listing standards require external auditors to be appointed by the audit committee. By contrast, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 392.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Dutch law requires ING Group&#8217;s external auditors to be appointed by the General Meeting and not by the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 405.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Audit Committee. The Audit Committee is responsible for preparing the Supervisory Board&#8217;s nomination <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 418.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">to the General Meeting for the appointment and remuneration of ING Group&#8217;s external auditor, and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 431.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">annually evaluates the independence and functioning of, and developments in the relationship with, ING <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 444.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Group&#8217;s external auditor and informs the Supervisory Board of its findings and proposed measures.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 469.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Under NYSE listing standards, shareholders of US companies must be given the opportunity to vote (of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 482.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">which the result is advisory in nature) on all equity compensation plans applicable to any employee, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 495.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">director or other service provider of a company (or on material revisions thereto), with limited exceptions <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 508.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">set forth in the NYSE rules. Under Dutch law and the DCGC, binding shareholder approval is only required <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 520.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">for equity compensation plans (or changes thereto) for members of the executive board and supervisory <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 533.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">board, and not for equity compensation plans for other groups of employees. <span style="display: inline-block; height: 12pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">146<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The NYSE listing standards require certain transactions with related parties to be reviewed by a <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">company&#8217;s audit committee or another independent body of the board of directors for potential conflicts <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">of interest, and for the audit committee or other independent body to prohibit such a transaction if it <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">determines it to be inconsistent with the interests of the company and its shareholders. However, foreign <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">private issuers can rely on home country practice with respect to review and approval of related party <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 128.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">transactions. ING has adopted internal policies and procedures for the purposes of identifying, assessing, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">and recording conflicts of interest, including with respect to whether related party transactions are on <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">customary or arm&#8217;s length terms. These policies and procedures are intended, if and to the extent <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">required under applicable law, prudential rules and other applicable guidelines, to enable the Executive <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 180.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Board and Supervisory Board to assess the terms of these intended transactions.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="position: absolute; top: 224.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_109"></div><div style="line-height: 27pt; position: var(--position); top: 224.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Item 16H. Mine Safety Disclosure<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 287.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Not applicable.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 331.31pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_112"></div><div style="line-height: 27pt; position: var(--position); top: 331.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Item 16I. Disclosure Regarding Foreign <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 27pt; position: var(--position); top: 363.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Jurisdictions that Prevent Inspections<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Not applicable.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 27pt; position: var(--position); top: 470.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Item 16J. Insider trading policies<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Item n<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.11pt; position: var(--position); text-decoration: none; white-space: pre;">ot applicable for 2023 Annual Report ING Groep N.V. on Form 20-F .<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_1099511629128"></div><div style="font-size: 27pt; line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Item <span style="display: inline-block; height: 20.25pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 617.91pt; position: var(--position); text-decoration: none; white-space: pre;">16K<span style="display: inline-block; height: 20.25pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 663.51pt; position: var(--position); text-decoration: none; white-space: pre;">. Cybersecurity<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 127.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Introduction<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 145.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Cybercrime remains a continuous threat to companies in general and to financial institutions in particular. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 157.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Both the frequency and the intensity of attacks continue to increase on a global scale. The sophistication <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 169.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and implications of ransomware attacks are of particular concern in the threat <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 908.03pt; position: var(--position); text-decoration: none; white-space: pre;">landscape<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 953.5999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">. Phishing or email-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 181.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">based social engineering attacks, usually used to initiate ransomware/malware infection or plant an info/<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 193.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">password stealer for password reuse of valid accounts, or drive-by compromise attacks. Distributed denial of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 205.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">service attacks, against financial sector and digital services operators are used for reputational damage and/<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 217.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">or extortion. There has been noticeable increase in supply chain attacks using compromised 3rd party <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 229.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">vendors as a delivery of attack vectors. This includes abusing cloud misconfigurations to gain access to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 241.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cloud infrastructure and application. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 268.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The continuous enhancement of the control environment to protect from- and detect and respond to- <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 280.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">distributed denial-of-service (DDoS), targeted attacks and more specific ransomware attacks is of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 292.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">highest priority.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 319.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Based on regular scenario analysis done in ING&#8217;s first line of defence, additional defensive controls continue <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 331.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to be embedded in the organisation as part of the overall internal control framework and are continuously <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 343.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">re-assessed against existing and new threats. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 370.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The further digitalisation of banking services, increasing electronic exchange of information via different <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 382.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">consumer channels, use of and dependency on third-party vendors for services, and the implementation of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the EU <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 587.03pt; position: var(--position); text-decoration: none; white-space: pre;">Digital Operational Resilience Act (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 740.06pt; position: var(--position); text-decoration: none; white-space: pre;">DORA<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 765.5899999999999pt; position: var(--position); text-decoration: none; white-space: pre;">)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 768.77pt; position: var(--position); text-decoration: none; white-space: pre;"> are likely to present ongoing cybercrime-resilience and IT-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 406.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">security challenges, both in the short and medium-term. Criminal actors are targeting financial and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 418.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sensitive (payment) data, such as customer user credentials outside the traditional banking environment. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 430.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Sensitive (payment) or personal data can be obtained by criminals via social forums such as Facebook and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 442.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Linked-In.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 471.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">IT and Cyber Risk Assessment and Reporting<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 486.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">To safeguard customer trust and to keep the bank secure the office of the Chief Information Security Officer <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 500.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(CISO) is predicting, preventing, detecting, and responding to threats and incidents. Secure architecture,&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 512.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">engineering, and Identity and Access Management are preventive measures to define, implement and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 524.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">review components that mitigate the risk of unauthorised access to IT systems and the data processed and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 536.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">stored therein. Security detection and Response functionality is implemented to identify and provide timely <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">147<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">alerts of malicious behaviour. Cyber threat assessments delivers awareness about new and existing threats <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and vulnerabilities targeting ING infrastructure. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING continues to invest in cybersecurity capabilities in all domains (prediction, prevention, detection, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">response, and recovery). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Different types of cyberthreats are not only relevant for the financial industry, but are increasingly hitting its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">supply chains. We are monitoring these Cybersecurity risks from our suppliers, via the Third-Party Cyber Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Management process. This process is part of the generic risk management framework as defined in the Non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Risk Framework Policies. These policies are detailed out in a set of Minimum Standards, amongst <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which the Security Monitoring Minimum Standard and the Cyber Resilience Minimum Standard. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 217.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The policy documents (policies, minimum standards) identify inherent risks and contain objectives and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 229.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">controls to mitigate identified inherent risks as well as a section on roles and responsibilities regarding IT <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and controls. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 268.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The different processes for assessing, identifying, and managing material risks from cybersecurity threats <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 280.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">address the objectives as defined in the Information and Technology Risk Policy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 307.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Global CISO and key security positions are held by internal staff. ING Group IT Audit function is fully <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">internally staffed. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 121.45pt; position: var(--position); text-decoration: none; white-space: pre;">The key controls in the risk management framework relevant for internal control over <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial reporting are being audited by an external auditor.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 358.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, ING continues to strengthen its global cybercrime resilience through collaboration. with financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 370.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">industry peers, law enforcement authorities, government (e.g. National Cyber Security Centre) and Internet <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 382.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Service Providers (ISPs). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 411.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cybersecurity incidents<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 426.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">No material cybersecurity incidents or threats (including any with criminal intent meeting the ECB cyber <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 440.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">incident reporting thresholds) were identified on ING infrastructure in 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">However, in June 2023, customers of ING in Germany suffered a breach of a third-party bank account <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 479.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">switching service resulting in a customer data leak for private customers who, when opening a current <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 491.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">account with ING, used the German legal account change assistance ("Gesetzliche Kontowechselhilfe"). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 503.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">German banks are legally obliged to support private customers in moving their account from the old to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 515.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">new bank in this defined generic process. ING in Germany informed authorities and affected customers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 527.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">about the incident and provided safety instructions and contact options to further protect personal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 539.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">information.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We are currently not aware of any threats in our own environment that are likely to materialise in the near <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">future.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Cybersecurity Governance<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 120.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING's risk and control structure is based on the three lines of defence (&#8220;3 LoD&#8221;) model. The 3 LoD model aims <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 134.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to provide a sound governance framework for financial and non-financial risk management by defining and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 146.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">implementing three risk management &#8216;layers&#8217;, with distinct roles, execution and oversight responsibilities. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 158.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1st LoD, the IT Risk department within the CISO domain acts as a 1st line entity to support ING's local IT <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 170.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">domains in managing, identifying, and dealing with IT and Cybersecurity Risk. Within each entity of ING, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 182.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">local IT Risk and IT Security functions exist. The Corporate IT Risk Management department is the 2nd LoD <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 194.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which objectively challenges the execution in the 1st LoD and 3rd LoD Corporate Audit Services (CAS) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 206.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">provides an independent assessment of the internal controls.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 233.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For operational reporting of the risks, the 1st line of defence (LoD) uses dashboard tooling and IT Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 245.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Measurement Platform (ITRMP), enabling continuous management of its own control state. Material <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 257.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">deviations found by the 1st LoD or by 2nd LoD (through second-line monitoring, i.e. quality assurance, risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 269.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assessments, etc.) or by the 3rd LoD (internal IT audits), are monitored by 2nd LoD and 3rd LoD to ensure <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 281.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adequate mitigation of issues and risks by 1st LoD.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 308.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Risk monitoring processes, as described, report the cybersecurity risks to the Bank non-financial risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 320.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Committee on a quarterly basis. The <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 719.92pt; position: var(--position); text-decoration: none; white-space: pre;">3LoD<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 742.71pt; position: var(--position); text-decoration: none; white-space: pre;"> reports quarterly (CAS reports) to the Management Board <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 332.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Banking, Executive Board and Audit Committee including relevant results, details of the key reports issued <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 344.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">during the quarter and the follow-up of reported findings. The 3LoD Annual Report to the Management <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 356.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Banking Board, Executive Board and Audit Committee provides the relevant results of the CAS activities and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 368.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a CAS&#8217; view on the adequacy and effectiveness of ING&#8217;s processes for controlling its activities and managing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 380.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">its risk in all the areas of ING.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 407.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Management Board Banking (MBB) and Executive Board (EB) of ING is informed of key IT / cybersecurity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 419.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risks on a quarterly basis via Non-Financial Risk updates, and IT risks are included as well in regular <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 431.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Integrated Risk updates. In addition, the MBB is immediately informed of any material cybersecurity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 443.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">incident after it occurred. The Risk Committee (RiCo) of ING&#8217;s Supervisory Board (SB) receives the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 455.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">aforementioned Non-Financial Risk (NFR) update as well. Whenever a larger cyber incident occurs, this is <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1023.2pt; position: var(--position); text-decoration: none; white-space: pre;">in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 467.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">principle<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 592.77pt; position: var(--position); text-decoration: none; white-space: pre;"> also discussed in the RiCo and SB on an ad hoc basis.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 494.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Those quarterly reports are pre-discussed by the Bank Non-Financial Risk Committee, in which senior NFR/<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 506.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risk management is represented, before they are shared with the MBB/EB and RiCo.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">148<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Relevant expertise<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To ensure that the entire Workforce have appropriate competences and capabilities to fulfil their assigned <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">tasks and responsibilities, ING developed Global Job Profiles which are embedded in the Global Job <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 105.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Architecture. These profiles describe in detail and regularly assess the maturity of the workforce on required <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 117.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">competences and capabilities as well as on behavioural aspects. Development gaps, if any, are identified <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 129.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">quickly, regularly reviewed, and closed when possible. Relevant training and certification are being offered <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by the Tech academy or the local IT academies to help our employees develop further.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 168.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Every year ING enrols a mandatory cybersecurity e-learning to all countries, covering both in- and external <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 180.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">employees. The content is based on the basic cybersecurity topics, and it is mandatory during the year for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 192.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">all new onboarded employees as well. The Management Board steers on 92% completeness (due to in/<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 204.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">outflow, maternity leaves, illness) this is proven realistic. During the year there are many global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 216.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(newsletters) and local (presentations) initiatives to cover the trending cybersecurity threat topics. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 243.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On an annual basis a Permanent Education Plan for the EB/MBB and SB is drafted in which topics related to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 255.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">IT/digitalisation, including IT risk management are covered. Such sessions include, e.g. sessions on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 267.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Operational Resilience, Cyber, Cybersecurity/Ransomware, and digitalisation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 294.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The members of supervisory and oversight bodies have a broad competency in the area of IT &amp; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 306.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cybersecurity. In the Management Board Banking of ING Bank, which has ING Groep as its sole shareholder, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 318.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a dedicated Chief Technology Officer role is embedded. Our current Chief Technology Officer (CTO) is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 330.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">combining the CTO role on an ad interim basis with his COO role in the Management Board Banking of ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Bank N.V. The Global Head of CISO reports directly to the CTO. The CTO a.i. is a highly experienced leader <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with a broad and deep expertise in operations across wholesale and retail banking. In his previous role as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">COO Wholesale Banking at ING he was responsible for the day-to-day operations and global transformation, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">including the organisation and application of technology in the design and implementation of the customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 390.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">experience. The CTO a.i. therefore has a strong understanding of data, technology, the application of it in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 402.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s operations and the risks related to it.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 429.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Global CISO is actively involving internal and external stakeholders on actions to manage cybersecurity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 441.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">relevant measures and impacts. This includes staff, board members, customers, partners, suppliers, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 453.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">governments, and regulators. Examples of active involvement are a yearly mandatory cybersecurity e-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 465.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">learning, covering both in- and external employees, ING podcasts, webinars and round table sessions with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 477.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">clients and suppliers, and on our websites we provide useful information to improve resilience for retail <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 489.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customers.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">149<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_115"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">PART III.<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="position: absolute; top: 129.31pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_118"></div><div style="line-height: 27pt; position: var(--position); top: 129.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Item 17. Consolidated Financial <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 27pt; position: var(--position); top: 161.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Statements<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 224.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Not applicable.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 268.11pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_121"></div><div style="line-height: 27pt; position: var(--position); top: 268.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Item 18. Consolidated Financial <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 27pt; position: var(--position); top: 300.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Statements<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 362.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to the Consolidated financial statements of ING Group on page F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 416.13pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_172">238</a><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 433.02pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">150<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_124"></div><div style="font-size: 27pt; line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Item 19<span style="display: inline-block; height: 20.25pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 133.26pt; position: var(--position); text-decoration: none; white-space: pre;">. Exhibits<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The following exhibits are filed as part of this Annual Report:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 154.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 69pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 416.25pt;"/></tr><tr style="height: 38.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 0pt; position: var(--position); top: 0pt; width: 69pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 1.1<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 69pt; position: var(--position); top: 0pt; width: 416.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 416.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312522152429/d271943d6k.htm">Amended and Restated Articles of Association of ING Groep N.V., dated 12 May 2022&#160; </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 416.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312522152429/d271943d6k.htm">(incorporated by reference to Exhibit 99.1 of ING Groep N.V.&#8217;s Report on Form 6-K filed on 1</a><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 407.31pt; position: var(--position); text-decoration: none; white-space: pre;">7<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 412.94pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312522152429/d271943d6k.htm"> </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 416.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312522152429/d271943d6k.htm">May 2022)</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 54pt; width: 69pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.1<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 69pt; position: var(--position); top: 54pt; width: 416.25pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 2.75pt; width: 416.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="a2023exhibit21.htm">Description of Securities Registered under Section 12 of the Exchange Act</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 38.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 0pt; position: var(--position); top: 83.25pt; width: 69pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.2<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 69pt; position: var(--position); top: 83.25pt; width: 416.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 416.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000115697303000435/u46016exv2w1.htm">Subordinated Indenture, dated 18 July 2002, between the Company and The Bank of New </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 416.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000115697303000435/u46016exv2w1.htm">York (incorporated by reference to Exhibit 2.1 of ING Groep N.V.&#8217;s Annual Report on Form </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 416.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000115697303000435/u46016exv2w1.htm">20-F for the year ended 31 December 2002, File No. 1-14642 filed on 27 March 2003)</a><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 380.42pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 50.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 50.25pt; left: 0pt; position: var(--position); top: 137.25pt; width: 69pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.3<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 50.25pt; left: 69pt; position: var(--position); top: 137.25pt; width: 416.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 416.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000115697304000367/u47294exv2w4.txt">Third Supplemental Indenture, dated 28 October 2003, between the Company and The </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 416.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000115697304000367/u47294exv2w4.txt">Bank of New York (incorporated by reference to Exhibit 2.4 of ING Groep N.V.&#8217;s Annual </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 416.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000115697304000367/u47294exv2w4.txt">Report on Form 20-F for the year ended 31 December 2003, File No. 1-14642 filed on 30 </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 38.75pt; width: 416.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000115697304000367/u47294exv2w4.txt">March 2004)</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 38.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 0pt; position: var(--position); top: 203.25pt; width: 69pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.4<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 69pt; position: var(--position); top: 203.25pt; width: 416.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 416.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000095012305011455/y12922exv4w2.txt">Fourth Supplemental Indenture, dated 26 September 2005, between the Company and The </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 416.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000095012305011455/y12922exv4w2.txt">Bank of New York (incorporated by reference to Exhibit 4.2 of ING Groep N.V.&#8217;s&#160; Report on </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 416.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000095012305011455/y12922exv4w2.txt">Form 6-K filed on 23 September 2005)</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 38.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 0pt; position: var(--position); top: 257.25pt; width: 69pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.5<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 69pt; position: var(--position); top: 257.25pt; width: 416.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 416.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000095012307008576/y35883exv4w1.htm">Sixth Supplemental Indenture, dated 13 June 2007, between the Company and The Bank of </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 416.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000095012307008576/y35883exv4w1.htm">New York (incorporated by reference to Exhibit 4.1 of ING Groep N.V.&#8217;s Report on Form 6-K </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 416.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000095012307008576/y35883exv4w1.htm">filed on 12 June 2007)</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="position: var(--position); top: 470.56pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 476.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 68.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 408pt;"/></tr><tr style="height: 38.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 0pt; position: var(--position); top: 0pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.6<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 68.25pt; position: var(--position); top: 0pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312515133117/d909267dex41.htm">Indenture, dated as of April 16, 2015, between ING Groep N.V. and The Bank of New York </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312515133117/d909267dex41.htm">Mellon, London Branch, as trustee, (incorporated by reference to Exhibit 4.1 of ING Groep </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312515133117/d909267dex41.htm">N.V.&#8217;s Report on Form 6-K filed on 16 April 2015)</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 476.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 68.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 408pt;"/></tr><tr style="height: 50.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 50.25pt; left: 0pt; position: var(--position); top: 0pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.7<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 50.25pt; left: 68.25pt; position: var(--position); top: 0pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312515133117/d909267dex42.htm">First Supplemental Indenture between ING Groep N.V. and The Bank of New York Mellon, </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312515133117/d909267dex42.htm">London Branch, as trustee, dated 16 April 2015, in respect of 6.000% Perpetual Additional </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312515133117/d909267dex42.htm">Tier 1 Contingent Convertible Capital Securities (incorporated by reference to Exhibit 4.2 of </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 38.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312515133117/d909267dex42.htm">ING Groep N.V.&#8217;s Report on Form 6-K filed on 16 April 2015)</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 50.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 50.25pt; left: 0pt; position: var(--position); top: 66pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.8<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 50.25pt; left: 68.25pt; position: var(--position); top: 66pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312515133117/d909267dex43.htm">Second Supplemental Indenture between ING Groep N.V. and The Bank of New York </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312515133117/d909267dex43.htm">Mellon, London Branch, as trustee, dated 16 April 2015, in respect of 6.500% Perpetual </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312515133117/d909267dex43.htm">Additional Tier 1 Contingent Convertible Capital Securities (incorporated by reference to </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 38.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312515133117/d909267dex43.htm">Exhibit 4.3 of ING Groep N.V.&#8217;s Report on Form 6-K filed on 16 April 2015)</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 38.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 0pt; position: var(--position); top: 131.25pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.9<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 68.25pt; position: var(--position); top: 131.25pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312517101314/d328206dex41.htm">Senior Debt Securities Indenture between ING Groep N.V. and The Bank of New York </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312517101314/d328206dex41.htm">Mellon, London Branch, as Trustee, dated 29 March 2017 (incorporated by reference to </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312517101314/d328206dex41.htm">Exhibit 4.1 of ING Groep N.V.&#8217;s Report on Form 6-K filed on 29 March 2017)</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 62.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 62.25pt; left: 0pt; position: var(--position); top: 184.5pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.10<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 62.25pt; left: 68.25pt; position: var(--position); top: 184.5pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312517101314/d328206dex42.htm">First Supplemental Indenture between ING Groep N.V. and The Bank of New York Mellon, </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312517101314/d328206dex42.htm">London Branch, as trustee, dated 29 March 2017, in respect of 3.150% Fixed Rate Senior </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312517101314/d328206dex42.htm">Notes due 2022, 3.950% Fixed Rate Senior Notes due 2027 and Floating Rate Senior Notes </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 38.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312517101314/d328206dex42.htm">due 2022 (incorporated by reference to Exhibit 4.2 of ING Groep N.V.&#8217;s Report on Form 6-K </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 50.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312517101314/d328206dex42.htm">filed on 29 March 2017)</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 62.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 62.25pt; left: 0pt; position: var(--position); top: 262.5pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.11<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 62.25pt; left: 68.25pt; position: var(--position); top: 262.5pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312518290631/d631515dex41.htm">Second Supplemental Indenture between ING Groep N.V. and The Bank of New York </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312518290631/d631515dex41.htm">Mellon, London Branch, as trustee, dated 2 October 2018, in respect of 4.100% Fixed Rate </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312518290631/d631515dex41.htm">Senior Notes due 2023, 4.550% Fixed Rate Senior Notes due 2028 and Floating Rate Senior </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 38.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312518290631/d631515dex41.htm">Notes due 2023 (incorporated by reference to Exhibit 4.1 of ING Groep N.V.&#8217;s Report on </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 50.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312518290631/d631515dex41.htm">Form 6-K filed on 2 October 2018)</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 50.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 50.25pt; left: 0pt; position: var(--position); top: 340.5pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.12<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 50.25pt; left: 68.25pt; position: var(--position); top: 340.5pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312519101472/d643287dex41.htm">Third Supplemental Indenture between ING Groep N.V. and The Bank of New York Mellon, </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312519101472/d643287dex41.htm">London Branch, as trustee, dated 9 April 2019, in respect of 3.550% Fixed Rate Senior </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312519101472/d643287dex41.htm">Notes due 2024 and 4.050% Fixed Rate Senior Notes due 2029 (incorporated by reference </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 38.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312519101472/d643287dex41.htm">to Exhibit 4.1 of ING Groep N.V's Report on Form 6-K filed on 9 April 2019)</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 50.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 50.25pt; left: 0pt; position: var(--position); top: 406.5pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.13<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 50.25pt; left: 68.25pt; position: var(--position); top: 406.5pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312519241714/d799832dex41.htm">Third Supplemental Indenture between ING Groep N.V. and The Bank of New York Mellon, </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312519241714/d799832dex41.htm">London Branch, as trustee, dated 10 September 2019, in respect of 5.750% Perpetual </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312519241714/d799832dex41.htm">Additional Tier 1 Contingent Convertible Capital Securities (incorporated by reference to </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 38.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312519241714/d799832dex41.htm">Exhibit 4.1 of ING Groep N.V's Report on Form 6-K filed on 10 September 2019)</a><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 350.63pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">151<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 476.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 68.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 408pt;"/></tr><tr style="height: 62.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 62.25pt; left: 0pt; position: var(--position); top: 0pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.14<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 62.25pt; left: 68.25pt; position: var(--position); top: 0pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312521103867/d154942dex41.htm">Fourth Supplemental Indenture between ING Groep N.V. and The Bank of New York Mellon, </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312521103867/d154942dex41.htm">London Branch, as trustee, dated April 1, 2021, in respect of 1.726% Callable Fixed-to-</a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312521103867/d154942dex41.htm">Floating Rate Senior Notes due 2027, 2.727% Callable Fixed-to-Floating Rate Senior Notes </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 38.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312521103867/d154942dex41.htm">due 2032 and Callable Floating Rate Senior Notes due 2027 (incorporated by reference to </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 50.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312521103867/d154942dex41.htm">Exhibit 4.1 of ING Groep N.V.'s Report on Form 6-K filed on 1 April 2021)</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 62.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 62.25pt; left: 0pt; position: var(--position); top: 78pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.15<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 62.25pt; left: 68.25pt; position: var(--position); top: 78pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312521272839/d211601d6k.htm">Fourth Supplemental Indenture between ING Groep N.V. and The Bank of New York Mellon, </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312521272839/d211601d6k.htm">London Branch, as trustee, dated September 14, 2021, in respect of 3.875% Perpetual </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312521272839/d211601d6k.htm">Additional Tier 1 Contingent Convertible Capital Securities and 4.250% Perpetual </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 38.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312521272839/d211601d6k.htm">Additional Tier 1 Contingent Convertible Capital Securities (incorporated by reference to </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 50.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312521272839/d211601d6k.htm">Exhibit 4.1 of ING Groep N.V.'s Report on Form 6-K filed on 14 September 2021)</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 74.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 74.25pt; left: 0pt; position: var(--position); top: 156pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.16<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 74.25pt; left: 68.25pt; position: var(--position); top: 156pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312522086418/d303732d6k.htm">Fifth Supplemental Indenture between ING Groep N.V. and The Bank of New York Mellon, </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312522086418/d303732d6k.htm">London Branch, as trustee, dated March 28, 2022, in respect of 3.869% Callable Fixed-to-</a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312522086418/d303732d6k.htm">Floating Rate Senior Notes due 2026, 4.017% Callable Fixed-to-Floating Rate Senior Notes </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 38.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312522086418/d303732d6k.htm">due 2028, 4.252% Callable Fixed-to-Floating Rate Senior Notes due 2033 and Callable </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 50.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312522086418/d303732d6k.htm">Floating Rate Senior Notes due 2026 (incorporated by reference to Exhibit 4.1 of ING </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 62.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="http://www.sec.gov/Archives/edgar/data/1039765/000119312522086418/d303732d6k.htm">Groep N.V.'s Report on Form 6-K filed on 28 March 2022)</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 74.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 74.25pt; left: 0pt; position: var(--position); top: 246pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 2.17<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 74.25pt; left: 68.25pt; position: var(--position); top: 246pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312523232092/d744090d8a12b.htm">Sixth Supplemental Indenture between ING Groep N.V. and The Bank of New York Mellon, </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312523232092/d744090d8a12b.htm">London Branch, as trustee, dated September 11, 2023, in respect of 6.083% Callable </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312523232092/d744090d8a12b.htm">Fixed-to-Floating Rate Senior Notes due 2027, 6.114% Callable Fixed-to-Floating Rate </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 38.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312523232092/d744090d8a12b.htm">Senior Notes due 2034 and Callable Floating Rate Senior Notes due 2027 (incorporated by </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 50.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312523232092/d744090d8a12b.htm">reference to Exhibit 4.1 of ING Groep N.V.'s Report on Form 6-K filed on 11 September </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 62.63pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="https://www.sec.gov/Archives/edgar/data/1039765/000119312523232092/d744090d8a12b.htm">2023)</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 336pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 8<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 68.25pt; position: var(--position); top: 336pt; width: 408pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="a2023exhibit8.htm">List of Subsidiaries of ING Groep N.V.</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 26.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 0pt; position: var(--position); top: 364.5pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 12.1<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 68.25pt; position: var(--position); top: 364.5pt; width: 408pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="a2023exhibit121.htm">Certification of the Registrant&#8217;s Chief Executive Officer pursuant to Section 302 of the </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 14.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="a2023exhibit121.htm">Sarbanes Oxley Act of 2002</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 26.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 0pt; position: var(--position); top: 405pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 12.2<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 68.25pt; position: var(--position); top: 405pt; width: 408pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="a2023exhibit122.htm">Certification of the Registrant&#8217;s Chief Financial Officer pursuant to Section 302 of the </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 14.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="a2023exhibit122.htm">Sarbanes-Oxley Act of 2002</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 476.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 68.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 408pt;"/></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="position: var(--position); top: 85.66pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 476.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 68.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 408pt;"/></tr><tr style="height: 26.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 0pt; position: var(--position); top: 0pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 13.1<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 68.25pt; position: var(--position); top: 0pt; width: 408pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="a2023exhibit131.htm">Certification of the Registrant&#8217;s Chief Executive Officer pursuant to 18 U.S.C. Section 1350, </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 14.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="a2023exhibit131.htm">as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 26.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 0pt; position: var(--position); top: 42pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 13.2<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 68.25pt; position: var(--position); top: 42pt; width: 408pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="a2023exhibit132.htm">Certification of the Registrant&#8217;s Chief Financial Officer pursuant to 18 U.S.C. Section 1350, </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 14.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="a2023exhibit132.htm">as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 15.1<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 68.25pt; position: var(--position); top: 84pt; width: 408pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="a2023exhibit151.htm">Consent of KPMG Accountants</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 26.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 0pt; position: var(--position); top: 113.25pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 15.2<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 68.25pt; position: var(--position); top: 113.25pt; width: 408pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="a2023exhibit152.htm">Letter from KPMG Accountants N.V. addressed to the SEC regarding the Change in </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 14.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="a2023exhibit152.htm">Registrant's Certifying Accountant disclosures in this Annual Report on From 20-F.</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 154.5pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 97<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 68.25pt; position: var(--position); top: 154.5pt; width: 408pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 2.75pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="a2023exhibit97.htm">Clawback rules for erroneously awarded variable remuneration for executive officers. </a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 183pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 101<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 68.25pt; position: var(--position); top: 183pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Inline eXtensible Business Reporting Language (Inline XBRL)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 213pt; width: 68.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exhibit 104<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 68.25pt; position: var(--position); top: 213pt; width: 408pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 408pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cover Page Interactive Datafile (embedded in Exhibit 101)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">152<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">SIGNATURES<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 96.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The registrant hereby certifies that it meets all the requirements for filing on Form 20-F and that it has duly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 108.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">caused and authorised the undersigned to sign this annual report on its behalf.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 137.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 242.43pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 169.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 249.49pt; position: var(--position); text-decoration: none; white-space: pre;">(Registrant)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 263.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 234.05pt; position: var(--position); text-decoration: none; white-space: pre;">By:/s/T. Phutrakul<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 294.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 249.58pt; position: var(--position); text-decoration: none; white-space: pre;">T. Phutrakul<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 326.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 221.72pt; position: var(--position); text-decoration: none; white-space: pre;">Chief Financial Officer<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 410.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Date: March 4, 2024<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 437.71pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_127"></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="-sec-extract: exhibit; color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">153<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_130"></div><div style="font-size: 12pt; line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk management<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 127.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">A series of tumultuous events this year impacted our operating <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 145.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">environment. These include concerns around financial institution <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 163.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">stability following the failure of some banks, and geopolitical <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 181.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">uncertainties due to the ongoing war in Ukraine and the Israel-Gaza <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 199.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">conflict. These conflicts have brought further disruptions to supply <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 217.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">chains and energy prices in an environment of already high inflation. <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 235.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This section explains ING&#8217;s approach to monitoring, managing and <span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 15pt; position: var(--position); top: 253.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 15pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">controlling risks.<span style="display: inline-block; height: 11.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As a global financial institution with a strong European base, offering banking services, ING is exposed to a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">variety of risks. We manage these risks through a comprehensive risk management framework that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">integrates risk management into strategic planning and daily business activities. This aims to safeguard <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s financial strength and reputation by promoting the identification, measurement and management of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risks at all levels of the organisation. Taking measured risks aligned with its risk appetite is core to ING&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 373.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The risk management function supports the EB in formulating the risk appetite, strategies, policies and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 385.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">limits. It provides adequate steering, oversight, challenge and controls throughout ING on risk-related items.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 412.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This section sets out how ING manages its risks on a day-to-day basis. It explains how the risk management <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 424.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">function is embedded within the organisation based on the &#8216;three lines of defence&#8217; model. It describes the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 436.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">key risks that arise from ING&#8217;s business model and how these are managed by dedicated risk management <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 448.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">departments, with various specific areas of expertise. The section provides qualitative and quantitative risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 460.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">disclosures on solvency, credit, market, funding and liquidity, ESG, operational, IT, compliance, business and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 472.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">model risks. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfFinancialInstrumentsAndFinancialRiskManagementTextBlock" id="f-117" continuedAt="f-117-1" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/></tr><tr style="height: 43.5pt;"><td colspan="4" rowspan="10" style="background-color: #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 185.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483pt;"><div><div style="line-height: 14pt; position: var(--position); top: 3.95pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Basis of disclosures (*)<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 26.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">The risk management section contains information relating to the nature and extent of the risks of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 38.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">financial instruments as required by International Financial Reporting Standards (IFRS) 7 'Financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 50.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Instruments: Disclosures'. These disclosures are an integral part of ING Group Consolidated financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 62.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">statements and are indicated by the symbol (*). This is applicable for the chapters, paragraphs, graphs or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 74.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">tables within the risk management section that are indicated with this symbol in the respective headings <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 86.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">or table header.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 113.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">This risk management section includes additional disclosures beyond those required by IFRS standards, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 125.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">such as certain legal and regulatory disclosures. Not all information in this section can be reconciled back <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 137.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">to the primary financial statements and corresponding notes, as it has been prepared using risk data that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 149.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">differs to the accounting basis of measurement. Disclosures in accordance with Part Eight of the CRR2 and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 161.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">CRD V, and as required by the supervisory authority, are published in our &#8216;Additional Pillar III Report&#8217;, which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 173.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">can be found on our corporate website ing.com.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr></tbody></table></div></div></ix:nonNumeric></div><div style="line-height: 14pt; position: var(--position); top: 273.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Top and emerging risks<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 295.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The risks listed below are defined as existing and emerging risks that could cause actual results to differ, in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">some instances materially, from those anticipated. They may have a material impact on the reputation of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the company, introduce volatility in future operating results or impact ING&#8217;s medium- and long-term <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">strategy, including the ability to pay dividends, maintain appropriate levels of capital or meet liquidity and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">funding targets. An emerging risk is defined as a new or unexpected risk that we don't have experience of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">managing, and so need to proactively identify and monitor. The impact on the organisation is therefore <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">more difficult to assess than other risk factors. These risks are on top of other existing risks.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The topics have mainly emerged as part of the annual risk assessment that feeds into, among others, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">annual review of the Stress Testing Framework and the Risk Appetite Framework. The sequence in which the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risks are presented below is not indicative of their likelihood of occurrence or the potential magnitude of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">their financial consequences. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 457.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The 2023 risk assessment confirmed our top and emerging risks. The top risks in 2023 relate to people risk, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">geopolitical risk, cybercrime, and inflation risk. Climate change risk remains an emerging risk, and reflects <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 481.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the impact that climate change may have on the financial position and/or reputation of ING. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">154<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Geopolitical risk<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Geopolitical risk was of the greatest concern for the MBB in 2023, and dedicated meetings were held on this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">topic. ING developed a specific geopolitical risk assessment to complement the normal risk-assessment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">process. This risk persisted throughout the year, mainly due to tensions between the US and China, relating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to Taiwan and deglobalisation. Other reasons were the ongoing war in Ukraine that persisted in 2023, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Israel-Gaza conflict.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">China/Taiwan/US<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">China&#8217;s increased military presence in the South China Sea, technological advancements, and ongoing trade <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">tensions with the US have given rise to geopolitical tensions between these countries. Despite a common <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest in a good relationship, particularly across trade and supply chain, the countries also have areas of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">conflict, like the Taiwan situation, and their relations have become more complex in recent years. China has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">threatened to sell US Treasury bonds, and the US has blacklisted some Chinese technology companies. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">There is growing concern that US-China trade tensions could escalate into further financial disconnection. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Such a conflict would cause significant disruption to global financial markets and the economy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 279.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Deglobalisation<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The period of Western-based liberalisation and globalisation is being challenged by a global trend towards <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">polarisation and more assertive political policies. The rise of nationalism, protectionism, populist movements <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and anti-global sentiments in recent years has created an environment of increasing uncertainty. This could <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">potentially lead to a reversal or slowdown of globalisation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 363.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The war in Ukraine<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 381.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The war in Ukraine continued to pose a significant geopolitical risk in 2023. It has initiated a humanitarian <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 393.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">crisis and given rise to greater risk exposures, causing disruption to business and economic activity in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">region and worldwide. Following the invasion of Ukraine, the US, UK and EU initiated sanctions against <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 417.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Russia in 2022. In response, the Russian Central Bank enforced liquidity and currency controls. For sanctions-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 429.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">related developments, see <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #0000ff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 160.78pt; position: var(--position); text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_151">&#8216;Compliance risk&#8217;.</a><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 237.75pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">With the support by NATO membership countries for Ukraine in the form of financial and military aid, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">neither side seeming likely to produce a conclusive victory in the near term, and a ceasefire or settlement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">looking improbable, the uncertainty about the outcome of the war looks set to last in the longer term.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Remaining at risk for ING in December 2023 is &#8364;0.4 billion (2022: &#8364;0.3 billion) local equity and &#8364;1.3 billion <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(2022: &#8364;2.5 billion) credit exposures booked outside of Russia. In Ukraine, our exposure was approximately <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;600 million (2022: &#8364;500 million), mainly with liquidity facilities and other lending. Early in March 2022, we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">announced a decision to not do new Russia-related business.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Israel-Gaza conflict<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Israel-Gaza conflict brings significant volatility to the region and disrupts broader efforts to enhance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cooperation between Israel and the Arab states. As the conflict continues to unfold, it poses a real threat to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">stability in the wider Middle East, and could affect oil supplies and drive the price higher.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 136.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">People risk<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">People risk, which can be translated into management of labour, including among others talent attraction <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and retention, was the highest risk in the risk assessment in 2023. The main challenges were linked to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">salary and compensation demands coming from a high-inflation environment and subsequent rising cost of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">living. This led to lengthy CLA negotiations in the Netherlands, creating employee uncertainty. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 217.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The other concern was the skill shortage in the labour market. The labour markets in general, and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 229.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial industry more so, face an intensified challenge to attract and keep eligible talent. Competition not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 241.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">only comes from peers; new players like tech companies and start-ups entered the playing field and are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 253.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">looking for similar profiles. On how ING mitigates the risks related to skill shortage, see 'Unlocking our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">people's full potential' in 'ESG overview' under &#8216;Social&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 294.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Climate<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #00338d; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 597.71pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 601.04pt; position: var(--position); text-decoration: none; white-space: pre;">and environmental<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #00338d; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 705.86pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 709.1899999999999pt; position: var(--position); text-decoration: none; white-space: pre;">risk<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Climate-related and environmental risks are among the biggest threats the world is facing. They can impact <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">both ING and the global economy in various ways. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING is aware of the risks associated with climate change and how these can impact customers and their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial health. This includes physical risk and transition risk. Physical risk can be acute, such as floods and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">wildfires, or chronic, such as increased temperature and rising sea levels. Transition risk can be driven by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">policy, technological or market changes as we shift towards a low-carbon global economy, and potentially <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 400.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">lead to stranded assets.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For more details and mitigation actions, see <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #0000ff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 753.51pt; position: var(--position); text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_145">&#8216;Environmental, social and governance risk&#8217;</a><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 946.24pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 456.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Cybercrime and fraud<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 474.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The further digitalisation of existing banking services, the introduction of new products, and evolving threats <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 486.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">against those services &#8211; combined with developing technology such as generative AI and deep fake &#8211; are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 498.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">continuously presenting fraud-management challenges, both in the short and medium term. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 525.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Criminal actors are becoming more resourceful in targeting financial and sensitive (payment/personal) data, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 537.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">such as customer user credentials outside the traditional banking environment. Criminals can obtain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 549.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sensitive (payment) or personal data via social forums such as WhatsApp, dark web shops, by screen <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">155<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">scraping user credentials or through third-party data breaches. In 2023, these challenges increased further <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with more sophisticated phishing attempts, improved social engineering fraud attempts, and high volumes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of scams through so-called authorised push-payment frauds. The increase in scams is a big concern for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial institutions, with often devastating consequences for customers. While financial institutions have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">limited means to prevent such authorised transactions, it is a priority to help prevent this type of fraud.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For more details and mitigation actions, see <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #0000ff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 238.46pt; position: var(--position); text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_148">&#8216;Non-financial risk&#8217;</a><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 320.53pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 168.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Inflation risk<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Inflation rates remained exceptionally high across the globe in 2023, triggered by increases in labour costs <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and high food and energy prices. Rises in inflation prompted an adjustment of monetary policy stances by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">major central banks, leading to rising interest rates and tighter global financial conditions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The mix of high inflation and rising interest rates led to the further deterioration of macro-financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">conditions, aggravating pre-existing vulnerabilities for both businesses and households, and ultimately <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increasing banks&#8217; credit risk. As such, ING still had management adjustments to its loan loss provisions in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">place for this at year-end 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For more details and mitigation actions, see<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 235.96pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #0000ff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 238.46pt; position: var(--position); text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_136">&#8216;Credit risk&#8217;</a><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 286.85pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 331.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk governance<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 354.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Effective risk management requires company-wide risk governance. ING&#8217;s risk and control structure is based <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 366.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on the &#8216;three-lines-of-defence&#8217; governance model. Each line has a specific role and defined responsibilities, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 378.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with the execution of tasks being distinct from the control of these same tasks. The three lines work closely <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">together to identify, assess, mitigate and monitor risks. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 417.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This governance framework is designed in such a way that risk is managed in line with the risk appetite <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 429.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">approved by the MBB, the EB and the SB, and this approach is cascaded throughout ING.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The heads of ING&#8217;s banking business and support functions and the heads of the country units, or their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">delegates, are the first line of defence. They have primary ownership, accountability and responsibility for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">identifying, assessing, controlling and mitigating all financial and non-financial risks affecting their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">businesses. They are also responsible for the completeness and accuracy of the financial statements and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk reports, with respect to their areas of responsibility. The CTO is responsible and accountable for proper <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">security and controls of global applications and IT platforms servicing the bank, and implementing proper <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">processes. The COO domain builds bridges within ING, linking to almost every part of the bank. Its purpose is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to drive secure and efficient processes for customers and colleagues.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The second line of defence consists of oversight and specialised functions in risk management and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compliance. They (i) have co-responsibility for risk management, through articulating and translating the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk appetite into methodologies and policies to support and monitor business management's control of risk; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(ii) objectively challenge risk management execution and control processes, and coordinate the reporting of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risks and controls by the first line of defence; (iii) advise on risk management and compliance, and have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">decision-making power in relation to business activities that are judged to present unacceptable risks to ING; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and (iv) can set minimum requirements in terms of quality and quantity of global resourcing in the risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management and compliance functions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The internal audit function forms the third line of defence. It provides independent assurance to the Audit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Committee, the EB and the MBB on the quality and effectiveness of ING&#8217;s internal control, risk management, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">governance and implemented systems and processes in both the first and second lines of defence. To <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">protect its independent nature, decisions regarding the appointment, reappointment or dismissal from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">office as well as the remuneration package of the head of the internal audit function require SB approval.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 252.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Board-level risk oversight<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Both the EB (for ING Group) and the MBB (for ING Bank) play an important role in managing and monitoring <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 283.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our risk management framework:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 295.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">The SB is, for risk management purposes, advised mainly by the Risk Committee, which assists and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 308.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">advises in monitoring the risk profile and approving the overarching risk appetite of the company as well <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 320.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">as the structure and effective operation of the internal risk management and control systems. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 333.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">The EB is responsible for managing risks associated with all activities of ING Group, whereas the MBB is <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">responsible for managing risks associated with all activities of ING Bank. The EB and MBB responsibilities <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 359.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">include ensuring that internal risk management and control systems are effective and that ING Group <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">and ING Bank comply with relevant legislation and regulations. On a regular basis, the EB and MBB report <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 384.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">on these issues and discuss the internal risk management and control systems with the SB. On a <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 397.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">quarterly basis, the EB and MBB report on ING&#8217;s risk profile versus its risk appetite to the Risk Committee, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 410.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">explaining changes in the risk profile.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As a member of the EB and the MBB, the CRO is primarily responsible for: (i) supporting the Board in its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">engagement with and oversight of the development of the risk appetite and risk appetite statements and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for translating the risk appetite into a risk limits structure, actively engaged in monitoring performance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">relative to risk-taking and risk limit adherence; (ii) setting up the risk management framework and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">overseeing the development and implementation of risk and compliance policies, processes, models, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compatible methodologies, including both forward-looking and backward-looking tools, ongoing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">strengthening of risk management/people capabilities and reports, as necessary to ensure the effectiveness <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 522.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of robust internal control and risk systems to fully support its strategic objectives and all of its risk-taking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 534.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">activities; (iii) regularly providing comprehensive information on risks to the Management Board, the Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 546.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Committee and other relevant functions; and (iv) advising about the current risk profile, current state of the <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">156<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk culture, utilisation against the established risk appetite, and limits, limit breaches and mitigation plans. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For more on the SB and EB roles and responsibilities, see<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 290.34000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #0000ff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 292.84000000000003pt; position: var(--position); text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_46">&#8216;Item 6. Directors, Senior Management and </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #0000ff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_46">Employees&#8217;</a><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 91.43pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 117.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Executive level<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The risk committees described below act within the overall risk policy and delegated authorities granted by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the MBB:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The Global Credit and Trading Policy Committee (GCTP) discusses and approves policies, methodologies, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 173.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">and procedures related to credit, trading, country, and reputation (such as environmental and social risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 185.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">or ESR) risks. The GCTP meets monthly. After the MBB and the GCTP, the Credit and Trading Risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 198.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Committee (CTRC) is the highest-level body authorised to discuss and approve policies, methodologies, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">and procedures related to credit and trading risk.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 224.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The Global Credit Committee &#8211; Transaction Approval (GCC(TA)) discusses and approves transactions that <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 237.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">entail taking credit risk (including investment risk), country, legal, and environmental and social risk. The <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 249.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">GCC(TA) meets twice a week.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 262.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The Asset and Liability Committee Bank (ALCO Bank) translates the strategy into a risk appetite and sets, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 275.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">monitors and reviews the asset and liability objectives and risk management framework. Adequate <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">supervision and coordination of asset and liability management is essential for good risk management <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">and to serve customer and community needs by continued sound banking business. The MBB has <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">delegated this responsibility to the ALCO Bank.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 326.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The Non-Financial Risk Committee Bank (NFRC Bank) is accountable for the design and maintenance of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">the non-financial risk management framework, including operational risk management, compliance and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">legal policies, minimum standards, procedures and guidelines, development of tools, methods, and key <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 365.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">parameters (including major changes) for risk identification, measurement, mitigating and monitoring/<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 377.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">reporting. NFRC Bank meetings are held at least quarterly.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 390.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The Model Risk Management Committee (MoRMC) discusses and steers, on a monthly basis, the overall <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">model strategy. MoRMC discusses and approves policies and methodologies related to model risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 416.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">management.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 429.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The Global Data Committee (GDC) oversees (identifies, measures, responds to change and monitors) the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 441.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Global Data function and its contribution to wider society. The GDC meets every two months.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Regional and business unit level<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s regional and/or business unit management have primary responsibility for the management of risks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(credit, market, funding and liquidity, operational, IT, compliance and model) that arise in their daily <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">operations. They are accountable for the implementation and execution of appropriate risk frameworks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">affecting their businesses in compliance with procedures and processes at the corporate level. Where <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">necessary, the implementation is adapted to local requirements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 158.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The regional and/or business unit (BU) head of risk are involved in these activities. The local (regional and BU) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 170.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">head of risk is responsible for the analysis, monitoring and management of risks across the whole value <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 182.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">chain (from front to back office). The local risks are discussed in local risk committees that roll up to the key <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 194.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk committees at executive level. Local Client Integrity Risk Committees (CIRCs) assess client integrity risk, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 206.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and they have a final decision on client acceptance or client off-boarding, from a risk-based perspective, in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the areas of financial crime, Foreign Account Tax Compliance Act (FATCA), Common Reporting Standard <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 230.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(CRS), and ESR.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 259.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Organisational structure<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The CRO function is organised along the lines of a matrix structure integrating (i) the Global Risk functions, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(ii) the Regional/Country Risk functions at entity level, and (iii) the Risk Segments, with a uniform <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">methodology and terminology, aimed at ensuring a holistic view of all risks. Global Risk functions, organised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">by risk types into risk domains (departments), are ultimately responsible and accountable for the functional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">steering of the respective risk type globally, ensuring a uniform taxonomy and methodology is used for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">setting of the relevant risk appetite levels, further cascading risk appetite into detailed risk strategies and for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the effective monitoring and reporting of risks, on an individual and consolidated basis. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following organisation chart illustrates the reporting lines in 2023 for the risk management <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">organisation. The fixed lines reflect hierarchical reporting lines, whereas the dotted lines are for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 400.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">functional reporting lines:<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">157<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 475.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 475.5pt;"/></tr><tr style="height: 317.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 317.25pt; left: 0pt; position: var(--position); top: 0pt; width: 475.5pt;"><div><div style="position: var(--position); top: 3.96pt; width: 475.5pt;"><div style="left: 2.63pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g15.jpg" alt="AR2023 Risk GCRO27feb.jpg" style="height: 306.79pt; width: 470.55pt;"/></div></div></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 404.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk policies, procedures and standards<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 422.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING has a framework of risk management policies, procedures and minimum standards in place to create <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 434.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consistency throughout the organisation, and to define requirements that are binding for all business units. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 446.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The goal of the governance framework of the local business units is to align with ING&#8217;s framework and to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 458.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">meet local (regulatory) requirements. Senior management is responsible for the implementation of and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adherence to policies, procedures and standards. Policies, procedures and standards are regularly reviewed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 482.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and updated via the relevant risk committees to reflect changes in requirements, markets, products and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">practices.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Internal control framework<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In its Enterprise Risk Management (ERM) Framework, ING explains its approach to mitigating risk outside <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s risk appetite. The internal control framework (ICF) translates regulations and internal requirements <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">into policies articulating specific risks and control objectives. These policies form the basis for translation into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">process control standards, which are used by the business to support and promote an effective risk and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">control environment. The ICF includes binding principles, definitions, process steps, and roles and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 143.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">responsibilities to create consistent bank-wide policies and control standards.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 170.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Global policies and control standards are developed and maintained or updated within the ICF. These global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 182.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">documents are designed by head-office functions and are to be adhered to by all ING entities and support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 194.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">functions. In line with the ERM approach, ownership for policies will be with the second line of defence (2nd <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 206.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">LoD), while control standards are to be owned by the first line of defence (1st LoD). Global policy and control <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">standard documents are approved by relevant approval bodies (e.g. SB, EB, MBB and NFRC Bank).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 245.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The policies are based on the risk taxonomy, which is designed to prevent overlaps in policy control <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 257.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">objectives. The control standard owners are responsible for defining the key controls that mitigate the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 269.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">critical and high inherent risks in the business processes. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 299.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risk culture<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">At ING, we attach great importance to a sound risk culture, which is essential for performing our role in </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">society responsibly and in keeping the bank safe and secure. We determine our risk culture as the way in </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">which employees identify, understand, discuss and act on the many financial and non-financial risks we are </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">confronted w</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 614.66pt; position: var(--position); text-decoration: none; white-space: pre;">ith every day. We cover risk culture, ING's global Code of Conduct and behavioural risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">extensively in 'ESG overview, &#8216;Governance&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 399.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Learning</span><span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 417.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">In 2023, we continued to expand and strengthen our required learning curriculum. This is foundational </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 429.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">learning that is centrally created and rolled out to all staff across the bank. The topics covered in 2023 were </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 441.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">financial crime, customer centricity, cybersecurity and data protection. We continue to update our formats </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">for our learning to increase engagement and drive practical application of the knowledge gained by staff. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">The curriculum is tracked centrally to monitor timely completion. </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">In addition to all staff modules, we continue to expand our learning offering on a range of risk topics and for </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">risk staff. Working with risk experts, the Risk Academy has built role-based learning plans for risk colleagues </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">which provide a wide selection of learning to support their professional development. These take the form of </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">a comprehensive offering of learning modules and learning channels that support employees in developing </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">their knowledge, skills and behaviours.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">158<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Dutch Banker&#8217;s Oath<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In the Netherlands, all employees are required to take the Banker's Oath and pledge this promise in a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">meaningful ceremony. The Oath came into force in the Netherlands on 1 April 2015, as part of a joint <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">approach from all banks, aimed at introducing social regulations, a revised Dutch Banking Code <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">implementing an oath with associated rules of conduct and disciplinary law. This way, Dutch banks show <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">society what they stand for and are accountable for, both as individual banks and as a sector. In 2021, due <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 143.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to the Covid-19 pandemic, ING in the Netherlands changed the live Banker's Oath ceremonies into virtual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 155.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ceremonies, to allow new employees (around 400 a month) to still take the oath in time and in a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">meaningful ceremony. After 2021, this was continued and is now common practice at ING. Before taking the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 179.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">oath, an e-learning and a challenge (discussing dilemmas) are mandatory, to stress the content and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 191.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">importance of the oath. It also show employees the dilemmas they may face in their daily work, and how to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 203.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">carefully balance the interests of all our stakeholders in the decisions they make.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 232.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING aims to align its remuneration policy with its risk profile and the interests of all stakeholders. For more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">information on ING&#8217;s compensation and benefits policies, and its relation to the risk taken, see the Capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Requirements Regulation (CRR) remuneration disclosure published on ing.com.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 304.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk cycle process<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING uses a step-by-step risk management approach to identify, manage and mitigate financial and non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial risks. The approach consists of a cycle of five recurring activities: risk identification, risk assessment, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk control, risk monitoring and risk reporting. The cycle is designed to determine what the risks are, assess <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which of these can really do harm, take mitigating measures to control these risks, monitor developments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to see if the measures taken are effective, and report the findings to management at all relevant levels to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">enable them to take action when needed.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The cycle recurs in two ways. First, the identification, assessment, review and update of mitigating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">measures are repeated periodically. Second, this periodic monitoring exercise may indicate emerging risks, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">known risks that are changing, risk levels that are changing, or current control measures that are not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">effective enough. Further analyses of these findings may then result in renewed and more frequent risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">identification, and/or assessment, and/or change of mitigating measures.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 491.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk identification<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 509.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk identification is a joint effort of the business and the risk management functions. Its goal is to detect <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 521.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">potential new risks and determine changes in known risks. Regular risk identification is essential for effective <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 533.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk management. Potential risks that are not identified will not be controlled and monitored, and may lead <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to surprises later. Known risks may have changed over time and, as a consequence, the existing mitigating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">measures and monitoring may be inadequate or obsolete.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risk identification is performed periodically. In case of material internal or external change, additional ad <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hoc risk identification can be performed.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 144.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risk assessment<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Each identified risk is assessed qualitatively or quantitatively to determine its importance. This enables ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to decide which of the identified risks need control measures and how strict or tolerant these measures <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">should be. Known risks are reassessed to detect any change in the risk level.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The importance of a risk is based on both the likelihood that the risk materialises and the subsequent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial or reputational impact that may occur should the risk arise. Unlikely risks with a potentially high <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">impact need to be controlled. A risk that is likely to happen regularly but expected to have a modest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial impact may not need to be mitigated if the consequences are accepted by management.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 279.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risk control<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 297.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risks can be controlled by mitigating measures that lower the likelihood the risk occurs, lower the impact <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 309.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">when it occurs, or both. The ultimate measure to lower a risk is to stop the activity or service that causes the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 321.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk (risk avoidance). Risk control and mitigation measures are defined and maintained both bank-wide and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 333.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">at the local level.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 362.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Monitoring and reporting<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 381.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING monitors risk-control measures by checking if they are executed, complied with, and have the expected <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 393.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mitigating effects, and by following the development of the risks and their risk levels. Risk reporting provides <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">senior and local management with the information they need to manage risks.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 435.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risk appetite framework<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 457.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Risk Appetite Framework (RAF) is one of the key elements of the ERM framework. Its objective is to set <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">an appropriate risk appetite at a consolidated level across different risk categories and to allocate the risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 481.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">appetite throughout the organisation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 510.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Policy<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The RAF policy explains the setup of the overarching global risk appetite. Within the RAF, ING monitors a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">range of financial and non-financial risk metrics with an aim to keep our risk profile in line with our risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 553.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">appetite while executing our strategy. ING&#8217;s RAF, which is approved by the SB, defines the desired risk profile <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">159<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that is to be integrated in the strategic decision-making and financial planning process. It is designed to be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">able to withstand market volatility and stress, while meeting regulatory requirements. The framework, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">including underlying metrics and assumptions, is regularly reviewed so that it remains relevant. The RAF <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">combines various financial and non-financial risk appetite statements (RAS) into a single, coordinated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">approach, to provide the business with a clear overview of the relevant risks and the tools to manage them. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This view allows the EB, the MBB, and senior management to form an opinion on the adequacy of internal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk management and control systems for the risks ING faces while pursuing its strategy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 165.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Process<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The RAF is focused on setting the risk appetite at the consolidated level and across the different risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 196.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">categories, and provides the principles for cascading this risk appetite down into the organisation. The RAF <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 208.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and underlying limit allocation are reviewed on an annual basis, or more frequently if necessary, based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 220.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">their monthly review in the MBB and quarterly review in the EB and the SB. It is therefore a top-down <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">process, which bases itself on the ambition of the bank in terms of its risk profile, the regulatory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">environment and the economic context. Limits that require SB approval are called boundaries, and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">underlying instruments supporting the boundaries require EB and MBB approval.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 285.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Step 1. Identify and assess ING&#8217;s key risks<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The outcome of the risk-identification and risk-assessment process is used as the starting point for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">review of the RAF. Within this step, the risks ING faces when executing its strategy are identified in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">context of the current economic, political, social, regulatory and technological environment. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">assessment identifies whether the potential impact is material and if it is sufficiently controlled within ING&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk management function. It benchmarks the current risk framework against regulatory developments. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Known risks are reassessed, either to confirm likelihood and risk levels or to take account of potential <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">changes.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 404.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Step 2. Set risk appetite framework<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Based on ING&#8217;s risk assessment and risk purpose, boundaries for the overarching risk frameworks are set. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Once the overarching risk appetite thresholds have been set and approved by EB/MBB and subsequently by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">SB, the statements are translated into risk-type-specific statements and lower-level thresholds, which are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">set and approved by senior risk committees, like ALCO Bank, GCTP, MoRM and Bank NFRC. Cascading is done <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">via several detailed risk appetite statements, which have been defined per risk type, the combination of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which is aimed at ensuring compliance with the overarching solvency, (credit) concentration, and funding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and liquidity RASs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 522.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Examples of risk categories and their underlying risk metrics include:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 534.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Solvency and profitability (e.g. CET1 ratio, MREL ratio and economic capital coverage ratio);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 546.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Funding and liquidity (e.g. liquidity coverage ratio (LCR) and net stable funding ratio (NSFR));.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Credit risk (e.g. exposure at default (EAD) and risk weighted assets (RWA));<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Market risk trading book (e.g. event risk and historical value at risk (HVaR));<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Market risk banking book (e.g. net interest income (NII) at risk and revaluation reserve at risk);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Non-financial risk (e.g. capital-at-risk and management of audit issues);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Compliance risk (e.g. key risk indicators on Financial Crime and Conduct);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 128.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Business risk (e.g. economic capital);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Model risk (e.g. number of unvalidated or inadequate pillar 1 models).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 169.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING has started including climate risk in its RAF by, among other things, introducing climate risk as one of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 181.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the dimensions to determine sector concentration as part of the credit risk appetite statements. In the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 193.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">coming years, ING will extend the inclusion of climate risk impact on other risk types with the aim of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 205.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ensuring that the potential risks stemming from, for example, transition risk and physical risk are properly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 217.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">captured in the RAF.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 246.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Step 3. Cascade into statements per risk type and business unit<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 264.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The bank-wide risk appetite is translated per risk type, which is further cascaded into the organisation. Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">appetite statements are then translated into dedicated underlying risk limits that are used for the day-to-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">day monitoring and management of ING&#8217;s risks. The risk appetite statements serve as input for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">quarterly planning process as well as for the establishment of key performance indicators and targets for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 312.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">senior management. The next graph is an illustrative and non-exhaustive overview of the RAF.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">160<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g16.jpg" alt="Risk Appetite Framework-v2.jpg" style="height: 212.6pt; width: 485.01pt;"/></div></div></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 282.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Step 4. Monitor and manage underlying risk limits<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 296.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To verify that ING remains within the RAF, it reports the risk positions vis-&#224;-vis their limits on a regular basis <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 311.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to senior management committees. A monthly report is submitted to the MBB reflecting the exposure of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 323.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING against the risk appetite. An extended report is submitted quarterly to the EB and the SB and its Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 335.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Committee. Moreover, every quarter the financial plan is checked for potential limit excess within a one-year <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 347.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">horizon, where in the strategic dialogue the MBB can take mitigating measures or make adjustments to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 359.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">dynamic plan.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 389.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Stress testing<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 412.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Stress testing is an important risk management tool that provides input for strategic decisions and capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 424.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">planning. The purpose of stress testing is to assess the impact of plausible but severe stress scenarios on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 436.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s capital and liquidity position. Stress tests provide complementary and forward-looking insights into the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 448.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">vulnerabilities of certain portfolios, with regards to adverse macroeconomic circumstances, stressed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 460.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial markets, and changes in the political and geopolitical climate. In addition to assessing P&amp;L, capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 472.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and liquidity positions of ING for a range of different scenarios, idiosyncratic risks are also included. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 484.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">outcomes of these stress tests help management get insight into the potential impact, and define actions to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 496.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">mitigate this potential impact.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 525.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Types of stress tests<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Within ING, we perform different types of stress tests. The most comprehensive type of stress tests are the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 555.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">firm-wide scenario analyses, which involve setting scenario assumptions for all the relevant macroeconomic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and financial market variables in all countries relevant to ING. These assumptions usually follow a qualitative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">narrative that provides a background to the scenario. In addition to firm-wide scenario analyses, ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">executes scenario analyses for specific countries or portfolios. Furthermore, sensitivity analyses are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">performed, which focus on stressing one or more risk drivers; usually without an underlying scenario <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">narrative. Finally, ING performs reverse stress tests, which aim to determine scenarios that could lead to a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">predefined severe adverse outcome.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 153.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Process<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING's stress-testing process consists of several stages:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Risk identification and risk assessment: It identifies and assesses the risks ING or the relevant entity is <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 197.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">facing when executing its strategy based on the current and possible future economic, political, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 209.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory and technological environment. It provides a description of the main risks and risk drivers <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 222.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">related to the nature of ING&#8217;s business, activities and vulnerabilities. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 235.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Scenario definition and parameterisation: Based on the outcome of the previous step, a set of scenarios <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 248.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">is determined with the relevant scope and set of risk drivers for each scenario, as well as its severity, the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 261.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">key assumptions and input parameters. The output of this phase includes a quantitative description of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 273.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">the stress scenarios to be analysed, the relevant output metrics and, when applicable, a narrative <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">description.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 299.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Impact calculation and aggregation: Based on the quantitative description of the stress scenarios <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 312.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">determined in the previous step, the impact is determined for the relevant scenario, scope and horizon. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">The impact calculation and aggregation can be part of a recurring process or part of a specific process <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">set-up for one-off stress tests.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 350.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Scenario reporting: For each stress test, a report is prepared after each calculation, which describes the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">results of the scenario and gives a recap of the scenario with its main assumptions and parameters. The <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">stress-test report is sent to the relevant risk committees and/or senior management. It is complemented, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 389.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">if needed, with advice for management action based on the stress-testing results. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 401.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Scenario control and management assessment: Depending on the outcomes of the stress test and the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">likelihood of the scenario, mitigating actions may be proposed. Mitigating actions may include, but are <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">not limited to, sales or transfers of assets and reductions of risk limits.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 457.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Methodology<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 475.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Detailed and comprehensive models are used to calculate the impact of the scenarios. In these models, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 487.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">statistical analysis is combined with expert opinion to make sure that the results adequately reflect the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 499.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">scenario assumptions. The methodologies are granular and portfolio-specific, and use different <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 511.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">macroeconomic and market variables as input variables. The calculations are in line with our financial and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 523.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory reporting frameworks. The stress-testing models are subject to review by Model Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 535.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">161<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_133"></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Solvency risk<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 102.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Introduction<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Solvency risk is the risk of lacking sufficient capital to fulfil business objectives, regulatory requirements or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">market expectations. An insolvent bank is unable to pay its debts and will be forced into bankruptcy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The level and quality of capital is crucial for the resilience of individual banks. Banks are expected to assess <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the risks they face and, in a forward-looking manner, ensure they identify and manage all material risks. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">They must also make sure these risks are sufficiently covered by loss-absorbing capital to provide continuity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">if unexpected risks materialise in times of stress. Given the interdependencies with other financial and non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial risks, this balancing act of capital adequacy needs to be done within a sound and integrated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management approach. It must coherently link and align all the moving parts of the bank with its long-term <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business strategy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Governance<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING's solvency risk governance is based on the three-lines-of-defence structure setting a clear division of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">responsibilities as well as an independent risk-control challenge process. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Group Treasury (GT) Balance Sheet &amp; Capital Management, as first line of defence, is responsible for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">maintaining the adequate capitalisation of ING Group and ING Bank entities, to manage the risk associated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with ING&#8217;s business activities. This involves not only managing, planning and allocating capital within ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Group, ING Bank and its various entities, but also helping to execute necessary capital market transactions, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">term (capital) funding and risk management transactions. ING takes an integrated approach to assess the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adequacy of its capital position in relation to its risk profile and operating environment. This means GT's <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Balance Sheet &amp; Capital Management takes into account both regulatory and internal, economic-based <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">metrics and requirements, as well as the interests of key stakeholders, such as shareholders and rating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">agencies.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Integrated Risk acts as second line of defence and is therefore responsible for all the risk topics within the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">internal capital adequacy assessment process (ICAAP) framework. This starts with the annual risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">identification and risk-assessment process which functions as the starting point for the annual review of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">related building blocks. Integrated risk coordinates the annual review of the risk appetite framework and as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">part of this proposes the solvency risk appetite. The output of the risk assessment is also used by Integrated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk for the annual review of ICAAP stress-test scenarios and the economic capital framework. By doing so, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 522.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Integrated Risk challenges the execution, management and control processes in relation to the business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 534.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">activities. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As the third line of defence, Corporate Audit Services provides an ongoing independent and objective <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assessment of the effectiveness of internal controls to mitigate risks embedded in ING&#8217;s business processes, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">including risk management activities performed by both the first and second line of defence.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The SB remains ultimately responsible for overseeing ING&#8217;s overall ICAAP framework whereas the EB and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">MBB are responsible for the functioning of the ICAAP processes by managing and executing them. Delegated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">decision power is mandated towards ALCO Bank. As a sub-committee of ALCO Bank, the ICLAAP Committee <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and Stress Test Council own delegated responsibilities concerning the ICAAP processes and brings together <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expertise and knowledge from different key departments involved. It functions as an oversight body, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">responsible for maintaining a sound and effective processes and ensuring that the different elements of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ICAAP fit coherently together as an integral part of the institution&#8217;s overall management framework.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 217.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ICAAP framework<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 240.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s internal capital adequacy assessment process (ICAAP) framework aims to ensure that capital levels <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 11pt; position: var(--position); top: 252.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remain adequate &#8211;<span style="display: inline-block; height: 8pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 11pt; font-style: normal; font-weight: normal; left: 639.91pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 8pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 642.96pt; position: var(--position); text-decoration: none; white-space: pre;">both forward-looking and under adverse conditions, in terms of covering material risks-<span style="display: inline-block; height: 8pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to-capital from both a normative and an economic (internal) perspective. The assessment of ING&#8217;s capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adequacy takes into account its business strategy and risk profile, market environment, and operating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">macro environment. This implies that views of various stakeholders, such as regulators, shareholders, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">investors, rating agencies, clients and customers play an important role.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The continued strength of ING&#8217;s capital position, the adequacy of the financial position, and risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management effectiveness are essential to achieving the strategy. ING&#8217;s capital and funding strategy <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">determines the underlying ICAAP elements, and thereby contributes to ING's business continuity from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">different perspectives.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Managing ING&#8217;s capital entails finding the right balance between supply and demand, while taking into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">account market and macro circumstances. The process of balancing these strategic goals is captured in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ICAAP framework. It is enabled by six building blocks and underlying elements facilitating the ICAAP. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">following building blocks have been defined in the ICAAP framework, which are applied for both the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 439.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;normative&#8217; and &#8216;economic&#8217; perspective as defined in the ECB guide to ICAAP, published in November 2018:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 451.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Risk identification and assessment;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 464.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Risk appetite;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 477.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Solvency stress testing;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 490.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Planning and forecasting;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 503.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Capital management;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 515.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Continuity<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 615.61pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 12pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">162<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk identification and assessment<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s capital management and solvency risk management starts with the risk-identification and risk-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">assessment process. Its main purpose is to detect potential new risks and identify changes in the potential <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impact of known risks. On an annual basis, ING performs a thorough review of its solvency risks or risks to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">capital. Within this assessment, bottom-up assessments are combined with top-down assessments, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">including a questionnaire and interviews with senior management. The results of the risk assessment are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 143.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">discussed in ALCO Bank, which comprises of almost the full MBB. Once approved, the conclusions of the risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 155.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">assessment feed into the annual review of the risk appetite framework, the stress-testing framework, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the economic capital framework. In addition to this annual process, ING also reassesses its risks as part of its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 179.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">capital adequacy statement, a quarterly process to assess ING&#8217;s capital adequacy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 208.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk appetite<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As explained in the RAF section in the previous chapter, ING has established overarching solvency risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">boundaries. Boundaries are risk appetite statements that are essential for risk management activity, making <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">it of paramount importance to keep these boundaries within the defined level. The SB is responsible for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">approving and monitoring the boundaries, which are complemented by a sequence of risk-type-specific <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">instruments (risk appetite statements). These underlying risk appetite statements are cascaded down into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the organisation, and dedicated risk thresholds are set that are used for the day-to-day monitoring and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management of ING&#8217;s risks. ING has solvency risk appetite statements in place for the following metrics: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">CET1 ratio, total capital ratio, leverage ratio, total loss-absorbing capacity (TLAC), and minimum <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirement for own funds and eligible liabilities (MREL) based on RWA/leverage ratio and economic capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adequacy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 363.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Solvency stress testing<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Solvency stress testing allows ING to examine the effect of plausible but severe stress scenarios on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">solvency position. It also provides insight into which entities or portfolios are vulnerable to certain types of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risks or scenarios. Solvency stress testing is an important tool in identifying, assessing, measuring, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">controlling risks to capital, providing a complementary and forward-looking perspective to other solvency <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk management tools. For solvency stress testing, ING follows the same steps described in the overall <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">section on stress testing.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING distinguishes the following three types of stress test analysis: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 481.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Sensitivity analysis: Assess the impact of a predefined shock in one or more risk drivers. The main <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">purpose of sensitivity analyses is to monitor the impact of this predefined (or standardised) shock over <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">time to get an understanding of how the risk profile of the bank has developed. In contrast with scenario <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">analyses, sensitivity analyses are built on a predefined set of shocks that don't necessarily relate to a <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">qualitative story line.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Scenario analysis: Used to assess the impact of historical, statistical and/or hypothetical circumstances <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">on the financial position of ING. These stress tests often build on a qualitative scenario narrative and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">reflect risk topics that are deemed relevant for ING given, for example, its business model or geographical <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">presence. To execute such a stress test, scenarios need to be determined that are dynamic and forward-<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">looking, and incorporate the occurrence of a string of events through time. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 128.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Reverse stress testing: The purpose is to identify scenarios that could lead to a pre-defined outcome. This <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">could, for example, be a CET1 ratio or MREL to define the point at which the bank is considered not viable <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">anymore. The added value of reverse stress testing is to explore risk drivers and stress scenarios outside <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">the existing range. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 195.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The outcomes of solvency stress test analyses are taken into account in capital planning, but also for setting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 207.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk appetite statements and the capital management buffer. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 236.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Planning and forecasting<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 254.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The capital and funding plan is an integral part of the dynamic plan, ING&#8217;s financial and business planning <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 266.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">process. Its objective is to inform and advise the management on the capital development and need of ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 278.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Group and ING Bank, under base case and adverse scenarios. It describes how ING shall finance the expected <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 290.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">capital constraints taking into consideration growth projections, capital and risk evolution, macro and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 302.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">market conditions, both under the normative and economic perspective. The capital and funding plan is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 314.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">discussed and approved by ALCO Bank and updated at least twice a year. Within these updates, ING takes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 326.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">account of recent market and risk developments, and aims to ensure that capital planning adheres to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 338.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">solvency risk appetite set by the SB. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 365.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Capital management<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Formulation of the CET1 target is a key element in solvency risk management. The target ratio, based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the management buffer concept, enables ING&#8217;s senior management to steer, benchmark and assess the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">bank&#8217;s current and future capital levels much more efficiently. The target level clearly supports trust-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">building among ING&#8217;s key stakeholders (e.g. regulators, investors, and customers). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 457.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The capital management buffer aims to protect the interests of key stakeholders and plays an important <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">role in the overall capital adequacy governance. The rationale behind the buffer is that it provides an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 481.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">additional cushion on top of the (local) regulatory minimum requirements (e.g. supervisory review and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">evaluation process (SREP) requirements) to withstand a certain level of stress and facilitate awareness and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">preparedness to take management actions. ING reviews its capital management buffer on a regular basis to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">determine its effectiveness and robustness, updating it as appropriate. See also<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 909.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; Note 47 <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #0000ff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 952.23pt; position: var(--position); text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_337">&#8216;Capital </a><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.91pt; width: 1080pt;"><span style="color: #0000ff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: underline; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_337">management&#8217;</a><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 618.8299999999999pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">163<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Continuity<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk events with high severity or significant deteriorations of economic and market conditions beyond ING&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">control could cause deviations from the business and capital plans, which may result in a potential capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shortfall.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 134.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING has therefore set up a continuity (safety) net of contingency and recovery planning. As part of this, ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 146.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">set up ongoing monitoring of relevant indicators with the aim of awareness and preparedness to act <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 158.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">proactively to ensure continuity. The intervention measures, which can be activated when deemed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 170.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">necessary, consist of predefined RWA reduction measures, as well as direct capital-increasing measures. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 182.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The escalation mechanisms are defined, governed and detailed in the contingency and recovery plans.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 209.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Both plans aim to restore ING&#8217;s capital adequacy. Depending on the severity of the situation, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 221.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">contingency plan can be activated at this warning phase, as well as triggering further mitigating action and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 233.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">formation of the contingency crisis teams. Further drops in capital levels trigger the alert phase for recovery <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 245.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">monitoring and/or the activation of the recovery plan and corresponding crisis teams.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 274.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Assessing capital adequacy: Capital Adequacy Statement (CAS)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 292.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The CAS is ING Group&#8217;s quarterly assessment of its capital adequacy and takes into account different <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 304.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">elements with respect to its capital position. The degree to which ING&#8217;s capital position is considered <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adequate depends on a variety of internal and external drivers: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 328.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Current supervisory requirements and (expected) requirements going forward; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 341.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Current internal requirements and (expected) requirements going forward (economic capital/view); <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 354.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Coherence of the available capital with the (realisation of) strategic plans; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 367.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The ability to meet internal and external requirements in the case of stressed events or should a risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">materialise. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The CAS assesses the adequacy of ING&#8217;s capital position in relation to the above-mentioned drivers and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">states the extent to which the capital position consequently is considered as adequate. On a quarterly basis, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the CAS document is prepared. Additionally each year, the EB/MBB signs and provides a comprehensive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 443.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">assessment of ING&#8217;s capital adequacy, supported by the ICAAP outcomes, in the form of a capital adequacy <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 455.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statement.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 482.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Capital developments<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 514.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s profit-generating capacity was strong in 2023, despite a challenging geopolitical environment. After <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 526.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">dividend reserving in line with the distribution policy, we included &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 338.74pt; position: var(--position); text-decoration: none; white-space: pre;">3.5<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 352.40999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"> billion of profit to our capital base. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group&#8217;s capital ratios increased compared to 2022, primarily due to higher net profit after dividend <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reserving, coupled with lower risk-weighted assets. ING announced the distribution of an additional &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1004.8199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">1.5<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1018.49pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">billion and &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 609.1999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">2.5<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 622.87pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 625.37pt; position: var(--position); text-decoration: none; white-space: pre;"> billion as next steps to converge the CET1 ratio towards ING&#8217;s target of around <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 978.51pt; position: var(--position); text-decoration: none; white-space: pre;">12.5%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1006.42pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1008.92pt; position: var(--position); text-decoration: none; white-space: pre;">by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2025. In line with regulations, these additional distributions were fully reflected in ING's capital ratios at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">year-end. Risk-weighted assets were mainly impacted by volume reduction in Russia-related exposure, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">currency movements, improvement in book quality and model impacts. ING continues to maintain a strong <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and high-quality capital level.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">At the end of December 2023, ING Group had a CET1 ratio of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 826.64pt; position: var(--position); text-decoration: none; white-space: pre;">14.7%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 854.55pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 857.05pt; position: var(--position); text-decoration: none; white-space: pre;"> versus an overall SREP requirement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(including buffer requirements) of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 708.01pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 710.51pt; position: var(--position); text-decoration: none; white-space: pre;">10.98%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 744.05pt; position: var(--position); text-decoration: none; white-space: pre;">. The Group&#8217;s Tier 1 ratio increased to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 911.91pt; position: var(--position); text-decoration: none; white-space: pre;">16.9%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 939.8199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">. The total capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ratio increased from <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 648.28pt; position: var(--position); text-decoration: none; white-space: pre;">19.4%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 676.1899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 690.51pt; position: var(--position); text-decoration: none; white-space: pre;">19.8%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 718.42pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 720.92pt; position: var(--position); text-decoration: none; white-space: pre;"> compared to last year.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The leverage ratio was at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 670.1pt; position: var(--position); text-decoration: none; white-space: pre;">5.0%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 692.38pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 694.88pt; position: var(--position); text-decoration: none; white-space: pre;">at the end of 2023, down from 5.1% at the end of 2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 243.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">MREL and TLAC requirements<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The minimum requirement for own fund and eligible liabilities (MREL) and total loss absorbing capacity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(TLAC) apply to ING Group at the consolidate level of the resolution group. TLAC and MREL provide additional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">capacity to absorb losses and facilitate recapitalisation in the case of resolution. ING Group has a single <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 298.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">point of entry resolution strategy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Intermediary MREL requirements were <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 729.8pt; position: var(--position); text-decoration: none; white-space: pre;">27.79%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 763.3399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> on RWA and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 823.73pt; position: var(--position); text-decoration: none; white-space: pre;">5.97%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 851.64pt; position: var(--position); text-decoration: none; white-space: pre;"> on leverage exposure as of December <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2023. ING meets these MREL requirements with an MREL ratio of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 844.76pt; position: var(--position); text-decoration: none; white-space: pre;">32.5%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 872.67pt; position: var(--position); text-decoration: none; white-space: pre;"> on RWA and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 933.06pt; position: var(--position); text-decoration: none; white-space: pre;">9.6%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 955.3399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> on leverage <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 349.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">exposure at the end of December 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As of&#160; December 2023, TLAC requirements are <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 762.9pt; position: var(--position); text-decoration: none; white-space: pre;">23.5%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 790.81pt; position: var(--position); text-decoration: none; white-space: pre;"> of RWA and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 848.5799999999999pt; position: var(--position); text-decoration: none; white-space: pre;">6.75%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 876.49pt; position: var(--position); text-decoration: none; white-space: pre;"> of leverage exposure. The available <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">TLAC capacity consists of own funds and senior debt instruments issued by ING Group. With a TLAC ratio of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 400.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">32.5%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 582.93pt; position: var(--position); text-decoration: none; white-space: pre;"> on RWA and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 643.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">9.6%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 665.6pt; position: var(--position); text-decoration: none; white-space: pre;"> on leverage exposure, ING comfortably meets the TLAC requirements.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">164<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_136"></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Credit <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 88.17pt; position: var(--position); text-decoration: none; white-space: pre;">risk<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 102.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Introduction<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Credit risk is the risk of loss from the default and/or credit rating deterioration of clients. Credit risks arise in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s lending, financial markets and investment activities. The credit risk section provides information on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">how ING measures, monitors and manages credit risk and gives an insight into the portfolio from a credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk perspective.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 190.91pt; width: 1080pt;"><ix:continuation id="f-117-1" continuedAt="f-117-2"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Governance (*)<span style="display: inline-block; height: 10.5pt;"></span></span></ix:continuation></div><ix:continuation id="f-117-2" continuedAt="f-117-3"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 213.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s credit risk strategy is to maintain an internationally diversified loan and bond portfolio, while avoiding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 225.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">large risk concentrations. The emphasis is on managing business developments within the defined credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 237.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and concentration risk appetite. The aim is to support relationship banking activities, while maintaining <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 249.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">internal risk/reward guidelines and controls.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Credit Risk department is responsible for setting the credit risk strategy for ING and aims to ensure <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">credit risk and credit restructuring are managed from an overarching point of view rather than per business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">line. Furthermore, the Credit Risk Control Unit is responsible for the oversight and control of rating systems. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">While the Credit Risk department has oversight of the Group credit risk strategy and risk appetite across <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking risk and Wholesale Banking risk, the head of Retail/Rest of World (RoW) Risk and head of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking Risk aim to ensure the management of the risk within these business lines. Also refer to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Risk governance and organisational structure in the introductory section of 'Risk management'.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Credit Risk function encompasses the following activities:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 402.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Providing consistent credit risk policies, systems and tools to manage the credit lifecycle of all activities;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 415.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Measuring, monitoring and managing credit risks in the bank&#8217;s portfolio, including evaluation of scenario <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 428.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">and stress test results;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 441.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Challenging and approving new and modified transactions and borrower reviews, including involvement <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">in the process of assigning risk ratings to indicate a clients's creditworthiness;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 466.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Managing the levels of provisioning and risk costs, and advising on impairments.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 505.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Credit risk categories (*)<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In the following table the different types of credit risk categories are described and a reconciliation with the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">notes in the financial statements is also included:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 270.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 24.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 15.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 173.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Reconciliation between credit risk categories and financial position (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 270.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit risk categories<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 270.75pt; position: var(--position); top: 14.25pt; width: 213.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 213.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Notes in the financial statements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="6" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 105pt; left: 0pt; position: var(--position); top: 27pt; width: 270.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Lending risk: is the risk that the client (counterparty, corporate or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">individual) does not pay the principal interest or fees on a loan <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">when they are due, or on demand for letters of credit (LCs) and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">guarantees provided by ING.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 27pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 295.5pt; position: var(--position); top: 27pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 27pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and balances with central banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 41.25pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 295.5pt; position: var(--position); top: 41.25pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 41.25pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 270.75pt; position: var(--position); top: 55.5pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 295.5pt; position: var(--position); top: 55.5pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 311.25pt; position: var(--position); top: 55.5pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 270.75pt; position: var(--position); top: 79.5pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 295.5pt; position: var(--position); top: 79.5pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 311.25pt; position: var(--position); top: 79.5pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 103.5pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 295.5pt; position: var(--position); top: 103.5pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 103.5pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 117.75pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 295.5pt; position: var(--position); top: 117.75pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">41<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 117.75pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Contingent liabilities and commitments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 105.75pt; left: 0pt; position: var(--position); top: 132pt; width: 270.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment risk: is the credit default and risk rating migration risk <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">that is associated with ING&#8217;s investments in bonds, commercial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">paper, equities, securitisations and other similar publicly traded <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">securities. This can be viewed as the potential loss that ING may <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">incur from holding a position in underlying securities whose <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 56.63pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">issuer's credit quality deteriorates or defaults.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 270.75pt; position: var(--position); top: 132pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 295.5pt; position: var(--position); top: 132pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 311.25pt; position: var(--position); top: 132pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.29pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 19.09pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 270.75pt; position: var(--position); top: 167.25pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 295.5pt; position: var(--position); top: 167.25pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 311.25pt; position: var(--position); top: 167.25pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.29pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 19.09pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 270.75pt; position: var(--position); top: 202.5pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 295.5pt; position: var(--position); top: 202.5pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 311.25pt; position: var(--position); top: 202.5pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 39.75pt; left: 0pt; position: var(--position); top: 237.75pt; width: 270.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Money market risk: arises when ING places short-term deposits <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">with a counterparty in order to manage excess liquidity. In the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">event of a counterparty default, ING may lose the deposit placed.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 237.75pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 295.5pt; position: var(--position); top: 237.75pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 237.75pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and balances with central banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 270.75pt; position: var(--position); top: 252pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 295.5pt; position: var(--position); top: 252pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 311.25pt; position: var(--position); top: 252pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 270.75pt; position: var(--position); top: 264.75pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 295.5pt; position: var(--position); top: 264.75pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 311.25pt; position: var(--position); top: 264.75pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 27pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 81pt; left: 0pt; position: var(--position); top: 277.5pt; width: 270.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Pre-settlement risk: arises when a client defaults on a transaction <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">before settlement and ING must replace the contract by a trade <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">with another counterparty at the then prevailing (possibly <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">unfavourable) market price. This credit risk category is associated <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">with derivatives transactions (exchange-traded derivatives, over-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 56.63pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the-counter (OTC) derivatives and securities financing <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 67.43pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">transactions). <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 270.75pt; position: var(--position); top: 277.5pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.56pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 295.5pt; position: var(--position); top: 277.5pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.56pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 311.25pt; position: var(--position); top: 277.5pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.16pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.96pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 27pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 270.75pt; position: var(--position); top: 304.5pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.56pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 295.5pt; position: var(--position); top: 304.5pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.56pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">14<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 311.25pt; position: var(--position); top: 304.5pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.16pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities at fair value through <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.96pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 27pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 270.75pt; position: var(--position); top: 331.5pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.56pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 295.5pt; position: var(--position); top: 331.5pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.56pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">40<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 311.25pt; position: var(--position); top: 331.5pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.56pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Offsetting financial assets and liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 32.25pt;"><td colspan="1" rowspan="4" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 129pt; left: 0pt; position: var(--position); top: 358.5pt; width: 270.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Settlement risk: arises when there is an exchange of value (funds <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">or instruments) and receipt from its counterparty is not verified or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">expected until after ING has given irrevocable instructions to pay <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">or has paid or delivered its side of the trade. The risk is that ING <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 45.83pt; width: 270.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">delivers but does not receive delivery from its counterparty. <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 32.25pt; left: 270.75pt; position: var(--position); top: 358.5pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.19pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 32.25pt; left: 295.5pt; position: var(--position); top: 358.5pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.19pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 32.25pt; left: 311.25pt; position: var(--position); top: 358.5pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.79pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 17.59pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 32.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 32.25pt; left: 270.75pt; position: var(--position); top: 390.75pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.19pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 32.25pt; left: 295.5pt; position: var(--position); top: 390.75pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.19pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">11<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 32.25pt; left: 311.25pt; position: var(--position); top: 390.75pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.19pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 32.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 32.25pt; left: 270.75pt; position: var(--position); top: 423pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.19pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 32.25pt; left: 295.5pt; position: var(--position); top: 423pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.19pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">14<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 32.25pt; left: 311.25pt; position: var(--position); top: 423pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.79pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities at fair value through <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 17.59pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 32.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 32.25pt; left: 270.75pt; position: var(--position); top: 455.25pt; width: 24.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.19pt; width: 24.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Note<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 32.25pt; left: 295.5pt; position: var(--position); top: 455.25pt; width: 15.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.19pt; width: 15.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">16<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 32.25pt; left: 311.25pt; position: var(--position); top: 455.25pt; width: 173.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.19pt; width: 173.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">165<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-3" continuedAt="f-117-4"><div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Credit risk appetite and concentration risk framework (*)<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The credit risk appetite and concentration risk framework is designed to prevent undesired high levels of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">credit risk and credit concentrations within various levels of the ING portfolio. It is derived from the concepts <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 111.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of boundaries and instruments as described in the ING Risk Appetite Framework (RAF).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 138.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Credit risk appetite is the maximum level of credit risk ING is willing to accept for growth and value creation. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 150.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The credit risk appetite is linked to the overall bank-wide RAF. The credit risk appetite is expressed in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 162.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">quantitative and qualitative measures. Having a credit risk appetite provides:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 174.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Clarity about the credit risks that ING is prepared to assume, target setting and prudent risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">management. Credit risk appetite is used as an input for Lending guidances which are made by sector <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 200.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">and/or location; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 213.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Consistent communication to different stakeholders;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 225.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Guidelines on how to align reporting and monitoring tools with the organisational structure and strategy;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 238.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Alignment of business strategies and key performance indicators of business units with ING&#8217;s credit risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 251.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">appetite through dynamic planning.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 279.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The credit risk appetite is set at different levels and dimensions within ING. The credit risk appetite <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 291.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">framework specifies the scope and focus of the credit risk which ING takes and the composition of the credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio, including its concentration and diversification objectives in relation to business lines, locations, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sectors and products. The credit risk appetite framework has also been extended to embed climate risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">elements. The first steps towards introducing climate risk elements in the credit risk appetite framework <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">were taken in 2022 and these have further evolved and matured in 2023. The climate risk elements within <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the credit risk appetite framework allow for more efficient steering of sector concentrations from a climate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk perspective. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The credit concentration risk framework is composed of:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 402.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Country risk concentration: Country risk is the risk that arises due to events in a specific country (or group <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">of countries). To manage the maximum country loss ING is willing to accept, boundaries are approved by <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">the SB. The estimated level is correlated to the risk rating assigned to a given country. Actual country <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 440.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">limits are set by means of country instruments, which are monitored monthly and updated, when <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">needed. For countries with elevated levels of geopolitical or severe economic cycle risk, monitoring is <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">performed on a more frequent basis with strict pipeline and exposure management.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 479.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Single name and secondary risk concentration: ING has an established credit concentration risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 491.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">framework to identify, measure and monitor single name concentration including secondary risk. The <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">same concept of boundaries and instruments is applicable. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 517.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Sector and product concentration risk are managed via the credit risk appetite framework. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Credit risk models (*)<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Within ING, internal CRR-compliant models are used to determine probability of default (PD), exposure at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">default (EAD) and loss given default (LGD) for regulatory and economic capital purposes. These models also <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 111.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">form the basis of ING&#8217;s IFRS 9 loan loss provisioning (see &#8216;IFRS 9 models&#8217; below). Bank-wide, ING has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 123.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">implemented approximately 100 credit risk models, for regulatory capital, economic capital and loan loss <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 135.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">provisioning purposes.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 162.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">There are two main types of PD, EAD and LGD models used throughout the bank:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 174.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Statistical models are created where a large set of default or detailed loss data is available. They are <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">characterised by sufficient data points to facilitate meaningful statistical estimation of the model <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 200.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">parameters. The model parameters are estimated with statistical techniques based on the data set <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 213.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">available.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 225.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Hybrid models are statistical models supplemented with knowledge and experience of experts from risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">management and front-office staff, literature from rating agencies, supervisors and academics. These <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 251.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">models are only used for &#8216;low default portfolios&#8217;, where limited historical defaults exist.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 281.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Credit risk rating process (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 299.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The majority of risk ratings are based on a risk rating (PD) model that complies with the minimum <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 311.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requirements detailed in CRR/CRDIV, ECB Supervisory Rules and European Banking Authority (EBA) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 323.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">guidelines. This concerns all borrower types and segments. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 350.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s PD rating models are based on a 1-22 internal risk rating scale (1 = highest rating; 22 = lowest rating) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">referred to as the &#8216;master scale&#8217;, which roughly corresponds to the rating grades that are assigned by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">external rating agencies, such as Standard &amp; Poor&#8217;s, Moody&#8217;s and Fitch. For example, an ING rating of 1 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 386.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">corresponds to an S&amp;P/Fitch rating of AAA and a Moody&#8217;s rating of Aaa; an ING rating of 2 corresponds to an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 398.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">S&amp;P/Fitch rating of AA+ and a Moody&#8217;s rating of Aa1, and so on. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 425.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The 22 internal risk rating grades are composed of the following categories:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 437.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Investment grade (risk rating 1-10);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 450.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Non-investment grade (risk rating 11-17);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 463.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Performing Restructuring (risk rating 18-19);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 476.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Non-performing (risk rating 20-22).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 503.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The first three categories (1-19) are risk ratings for performing loans. Ratings are calculated in IT systems <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 515.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with internally developed models, based on manually or automatically fed data, or for part of the non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 527.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">performing loans set by the global or regional credit restructuring department. Under certain conditions, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 539.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">outcome of a manually fed model can be challenged through a rating appeal process. For securitisation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 551.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">portfolios, the external ratings of the tranche in which ING has invested are leading indicators.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">166<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-117-4" continuedAt="f-117-5"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk ratings assigned to clients are reviewed at least annually, with the performance of the underlying <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">models monitored regularly. Some of these models are global in nature, such as those for large corporates, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">commercial banks, insurance companies, central governments, funds, fund managers, project finance and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">leveraged companies. Other models are more regional or country-specific: there are PD models for small <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and medium enterprises (SMEs) in the Netherlands, Belgium, Poland as well as residential mortgage and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consumer loan models in the various retail markets.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Rating models for Retail clients are predominantly statistically driven and automated, such that ratings can <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be updated on a monthly basis. Rating models for large corporates, institutions and banks include both <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statistical characteristics and manual input, with the ratings being manually updated at least annually. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">More frequent reviews (e.g. quarterly) are performed where considered necessary, for example portfolios <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and clients most at risk of being impacted by the Russian invasion of Ukraine and expected spillover effects.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In line with evolving regulatory expectations on models and emerging industry practices ING has embarked <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a multi-year redevelopment process of its credit risk models. This is also in line with ING&#8217;s model governance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to ensure continuous improvement of models. <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 280.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Credit risk systems<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 314.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Credit risk tools and data standards<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 333.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The acceptance, maintenance, measurement, management and reporting of credit risks at all levels of ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 345.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are executed through single, common credit risk data standards using shared credit risk tools that support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 357.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">standardised and transparent credit risk practices. ING has chosen to develop credit risk tools centrally with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 369.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the philosophy of using a single source of data in an integrated way. This includes applying a combination <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 381.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the ING policy, the regulatory environment in which we operate and the daily processes that are active <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 393.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">throughout the Group. Disciplined application in these three areas is essential for achieving high data quality <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">standards.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The credit risk control unit (CRCU), which is part of the Credit Risk department, manages the CRCU control <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">framework offering quality assurance on the regulatory areas of responsibility: the oversight and control of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">rating systems. This framework leans on control execution in other teams such as model development in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Integrated Risk where the combination of these different teams is considered for the CRCU self-assessment.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 498.11pt; width: 1080pt;"><ix:continuation id="f-117-5" continuedAt="f-117-6"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Credit risk portfolio (*)<span style="display: inline-block; height: 10.5pt;"></span></span></ix:continuation></div><ix:continuation id="f-117-6" continuedAt="f-117-7"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 520.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s credit exposure is mainly related to lending to individuals (also referred to as consumer lending, all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Retail) and businesses (referred to as business lending, both in Retail and Wholesale) followed by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 544.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investments in bonds and securitised assets, and money market (Wholesale). Loans to individuals are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mainly mortgage loans secured by residential property. Loans (including guarantees issued) to businesses <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">are often collateralised, but may be unsecured based on the internal analysis of the borrower&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">creditworthiness. Bonds in the investment portfolio are generally unsecured, but predominantly consist of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">bonds issued by central governments and EU and/or OECD-based financial institutions. Secured bonds, such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as mortgage-backed securities and asset-backed securities are secured by the underlying diversified pool of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assets (commercial or residential mortgages, car loans and/or other assets) held by the securities issuer. For <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">money market, exposure is mainly deposits to central banks. The last major credit risk source involves pre-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">settlement exposures which arise from trading activities, including derivatives, repurchase transactions and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">securities lending/borrowing transactions. This is also commonly referred to as counterparty credit risk.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">167<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-7" continuedAt="f-117-8"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Portfolio analysis per business line (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 94.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfCreditRiskExposureByLineOfBusinessTableTextBlock" id="f-118" continuedAt="f-118-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 147pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="12" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandings per line of business (*)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ffffff; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 172.63pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">1, 2, 3<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 207.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 207.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207.75pt; position: var(--position); top: 14.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 74pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 360.75pt; position: var(--position); top: 14.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 93.92pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Benelux<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 513.75pt; position: var(--position); top: 14.25pt; width: 180pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 180pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.31pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Challengers &amp; Growth Markets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693.75pt; position: var(--position); top: 14.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 91.44pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Line<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 14.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 130.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 207.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 207.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rating class<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207.75pt; position: var(--position); top: 28.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 52.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 284.25pt; position: var(--position); top: 28.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 52.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 360.75pt; position: var(--position); top: 28.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 52.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 437.25pt; position: var(--position); top: 28.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 52.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 513.75pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 90pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 66.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 603.75pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 90pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 66.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693.75pt; position: var(--position); top: 28.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 52.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 28.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 52.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 28.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 52.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 923.25pt; position: var(--position); top: 28.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 52.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="4" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 51pt; left: 0pt; position: var(--position); top: 42.75pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 21.56pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment grade<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 42.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1 (AAA)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 42.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-24" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-119">52,665</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 42.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-25" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-120">89,686</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 42.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-26" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-121">310</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 42.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-27" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-122">324</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 42.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-28" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-123">34,373</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 42.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-29" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-124">32,492</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 42.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-30" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-125">2,284</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 42.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-31" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-126">2,529</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 42.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-32" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-127">89,631</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 42.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-33" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-128">125,032</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 55.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2-4 (AA)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 55.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-34" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-129">67,034</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 55.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-35" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-130">49,320</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 55.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-36" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-131">7,089</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 55.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-37" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-132">7,871</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 55.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-38" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-133">52,566</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 55.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-39" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-134">40,498</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 55.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.81pt;"></span></span><span style="left: 68.44pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-40" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-135">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 55.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.75pt;"></span></span><span style="left: 63.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-41" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-136">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 55.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-42" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-137">126,694</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 55.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-43" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-138">97,701</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 68.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5-7 (A)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 68.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-44" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-139">95,320</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 68.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-45" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-140">79,292</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 68.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-46" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-141">44,026</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 68.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-47" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-142">45,471</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 68.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-48" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-143">88,051</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 68.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-49" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-144">61,422</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 68.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-50" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-145">147</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 68.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-51" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-146">320</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 68.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-52" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-147">227,543</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 68.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-53" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-148">186,504</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 81pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">8-10 (BBB)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 81pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-54" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-149">123,081</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 81pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-55" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-150">129,709</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 81pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-56" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-151">118,340</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 81pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-57" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-152">117,172</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 81pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-58" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-153">27,955</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 81pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-59" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-154">56,046</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 81pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-60" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-155">2,357</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 81pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-61" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-156">2,833</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 81pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-62" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-157">271,733</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 81pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-63" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-158">305,760</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="3" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 0pt; position: var(--position); top: 93.75pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.19pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-Investment grade<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 93.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">11-13 (BB)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 93.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-64" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-159">57,348</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 93.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-65" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-160">56,409</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 93.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-66" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-161">57,652</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 93.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-67" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-162">55,945</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 93.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-68" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-163">36,756</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 93.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-69" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-164">46,657</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 93.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-70" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-165"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 93.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.81pt;"></span></span><span style="left: 68.44pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-71" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-166">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 93.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-72" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-167">151,756</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 93.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-73" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-168">159,016</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 106.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">14-16 (B)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 106.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-74" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-169">12,234</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 106.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-75" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-170">13,693</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 106.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-76" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-171">16,872</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 106.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-77" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-172">14,224</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 106.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-78" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-173">12,459</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 106.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-79" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-174">11,662</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 106.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-80" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-175"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 106.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-81" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-176"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 106.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-82" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-177">41,565</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 106.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-83" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-178">39,579</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 119.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">17 (CCC)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 119.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-84" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-179">1,122</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 119.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-85" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-180">1,858</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 119.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-86" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-181">2,129</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 119.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-87" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-182">2,021</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 119.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-88" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-183">985</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 119.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-89" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-184">1,014</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 119.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-90" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-185">392</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 119.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-91" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-186">299</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 119.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-92" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-187">4,628</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 119.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-93" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-188">5,192</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 25.5pt; left: 0pt; position: var(--position); top: 132pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.81pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Performing Restructuring loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 132pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">18 (CC)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 132pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-94" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-189">2,523</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 132pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-95" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-190">3,564</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 132pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-96" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-191">1,363</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 132pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-97" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-192">1,304</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 132pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-98" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-193">594</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 132pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-99" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-194">519</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 132pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-100" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-195"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 132pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-101" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-196"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 132pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-102" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-197">4,481</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 132pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-103" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-198">5,386</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 144.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">19 (C)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 144.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-104" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-199">535</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 144.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-105" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-200">731</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 144.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-106" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-201">876</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 144.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-107" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-202">962</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 144.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-108" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-203">437</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 144.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-109" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-204">490</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 144.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-110" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-205"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 144.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-111" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-206"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 144.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-112" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-207">1,848</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 144.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-113" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-208">2,183</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 157.5pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-performing loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 157.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">20-22 (D)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 157.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-114" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-209">4,051</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 157.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-115" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-210">4,354</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 157.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-116" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-211">4,586</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 157.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-117" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-212">4,762</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 157.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-118" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-213">3,036</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 157.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-119" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-214">2,592</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 157.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-120" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-215"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 157.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-121" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-216"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 157.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-122" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-217">11,673</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 157.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-123" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-218">11,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 170.25pt; width: 207.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 207.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 170.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.27pt;"></span></span><span style="left: 39.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-124" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-219">415,914</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 170.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.27pt;"></span></span><span style="left: 39.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-125" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-220">428,616</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 170.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.27pt;"></span></span><span style="left: 39.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-126" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-221">253,241</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 170.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.27pt;"></span></span><span style="left: 39.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-127" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-222">250,056</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 170.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-128" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-223">257,211</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 170.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-129" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-224">253,391</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 170.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.75pt;"></span></span><span style="left: 50.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-130" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-225">5,186</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 170.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.75pt;"></span></span><span style="left: 50.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-131" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-226">5,997</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 170.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.27pt;"></span></span><span style="left: 39.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-227">931,552</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 170.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.27pt;"></span></span><span style="left: 39.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-228">938,061</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 195.75pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Industry<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 208.5pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Private Individuals<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 208.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-132" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-229">2,330</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 208.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.75pt;"></span></span><span style="left: 63.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-133" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-230">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 208.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-134" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-231">165,447</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 208.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-135" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-232">163,243</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 208.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.85pt;"></span></span><span style="left: 54.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-136" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-233">193,610</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 208.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.85pt;"></span></span><span style="left: 54.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-137" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-234">191,556</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 208.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-138" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-235"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 208.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-139" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-236"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 208.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-140" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-237">361,387</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 208.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-141" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-238">354,831</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 221.25pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Central Banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 221.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-142" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-239">70,139</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 221.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-143" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-240">80,006</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 221.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-144" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-241"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 221.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-145" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-242"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 221.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-146" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-243">21,740</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 221.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-147" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-244">23,541</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 221.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-148" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-245">2,269</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 221.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-149" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-246">1,495</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 221.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-150" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-247">94,147</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 221.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.35pt;"></span></span><span style="left: 40.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-151" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-248">105,043</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 234pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Natural Resources<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 234pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-152" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-249">40,511</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 234pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-153" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-250">44,695</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 234pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-154" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-251">1,259</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 234pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-155" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-252">1,160</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 234pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-156" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-253">624</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 234pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-157" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-254">694</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 234pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-158" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-255"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 234pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-159" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-256"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 234pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-160" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-257">42,394</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 234pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-161" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-258">46,549</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 246.75pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real Estate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 246.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-162" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-259">24,904</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 246.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-163" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-260">26,426</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 246.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-164" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-261">23,675</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 246.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-165" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-262">22,648</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 246.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-166" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-263">2,936</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 246.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-167" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-264">3,439</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 246.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-168" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-265"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 246.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-169" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-266"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 246.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-170" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-267">51,515</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 246.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-171" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-268">52,513</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 259.5pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Commercial Banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 259.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-172" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-269">37,342</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 259.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-173" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-270">42,036</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 259.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-174" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-271">177</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 259.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-175" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-272">194</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 259.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-176" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-273">6,006</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 259.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-177" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-274">5,721</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 259.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-178" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-275">2,515</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 259.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-179" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-276">2,911</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 259.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-180" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-277">46,040</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 259.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-181" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-278">50,862</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 272.25pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-Bank Financial Institutions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 272.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-182" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-279">55,313</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 272.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-183" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-280">54,274</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 272.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-184" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-281">1,400</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 272.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-185" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-282">1,379</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 272.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-186" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-283">890</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 272.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-187" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-284">504</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 272.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-188" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-285">286</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 272.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-189" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-286">438</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 272.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-190" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-287">57,889</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 272.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-191" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-288">56,594</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 285pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Central Governments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 285pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-192" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-289">45,316</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 285pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-193" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-290">41,622</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 285pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-194" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-291">2,124</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 285pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-195" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-292">2,880</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 285pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-196" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-293">5,180</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 285pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-197" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-294">3,838</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 285pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.81pt;"></span></span><span style="left: 68.44pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-198" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-295">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 285pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-199" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-296">1,016</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 285pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-200" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-297">52,621</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 285pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-201" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-298">49,356</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 297.75pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transportation &amp; Logistics<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 297.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-202" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-299">27,106</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 297.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-203" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-300">25,474</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 297.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-204" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-301">4,105</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 297.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-205" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-302">4,038</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 297.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-206" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-303">1,679</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 297.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-207" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-304">1,471</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 297.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-208" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-305"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 297.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-209" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-306"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 297.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-210" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-307">32,890</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 297.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-211" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-308">30,982</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 310.5pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Utilities <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 310.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-212" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-309">23,324</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 310.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-213" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-310">22,683</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 310.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-214" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-311">2,024</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 310.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-215" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-312">1,865</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 310.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-216" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-313">160</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 310.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-217" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-314">150</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 310.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-218" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-315"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 310.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-219" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-316"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 310.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-220" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-317">25,509</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 310.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-221" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-318">24,698</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 323.25pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Food, Beverages &amp; Personal Care<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 323.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-222" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-319">13,503</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 323.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-223" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-320">13,681</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 323.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-224" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-321">7,307</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 323.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-225" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-322">7,356</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 323.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-226" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-323">2,576</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 323.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-227" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-324">2,585</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 323.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-228" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-325"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 323.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-229" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-326"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 323.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-230" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-327">23,386</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 323.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-328">23,623</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 336pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Services <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 336pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-232" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-329">9,128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 336pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-233" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-330">9,926</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 336pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-234" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-331">11,596</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 336pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-235" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-332">11,606</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 336pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-236" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-333">1,276</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 336pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-237" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-334">981</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 336pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.75pt;"></span></span><span style="left: 63.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-238" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-335">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 336pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.75pt;"></span></span><span style="left: 63.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-239" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-336">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 336pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-240" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-337">22,023</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 336pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-241" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-338">22,546</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 348.75pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">General Industries <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 348.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-242" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-339">12,039</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 348.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-243" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-340">11,731</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 348.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-244" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-341">5,680</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 348.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-245" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-342">5,753</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 348.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-246" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-343">3,406</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 348.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-247" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-344">3,381</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 348.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-248" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-345"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 348.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-249" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-346"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 348.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-250" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-347">21,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 348.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-251" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-348">20,865</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 361.5pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Lower Public Administration <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 361.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-252" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-349">6,211</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 361.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-253" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-350">6,020</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 361.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-254" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-351">6,885</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 361.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-255" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-352">5,921</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 361.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-256" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-353">10,608</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 361.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-257" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-354">9,725</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 361.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-258" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-355"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 361.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-259" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-356"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 361.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-260" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-357">23,704</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 361.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-261" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-358">21,666</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 374.25pt; width: 207.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 207.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 374.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-262" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-359">48,748</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 374.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-263" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-360">50,009</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 374.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-264" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-361">21,563</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 374.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-265" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-362">22,014</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 374.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-266" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-363">6,519</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 374.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-267" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-364">5,805</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 374.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.75pt;"></span></span><span style="left: 63.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-268" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-365">92</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 374.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-269" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-366">104</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 374.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-270" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-367">76,922</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 374.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-271" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-368">77,932</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 387pt; width: 207.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 207.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207.75pt; position: var(--position); top: 387pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.27pt;"></span></span><span style="left: 39.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-124" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-369">415,914</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 284.25pt; position: var(--position); top: 387pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.27pt;"></span></span><span style="left: 39.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-125" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-370">428,616</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 387pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.27pt;"></span></span><span style="left: 39.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-126" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-371">253,241</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 437.25pt; position: var(--position); top: 387pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.27pt;"></span></span><span style="left: 39.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-127" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-372">250,056</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 513.75pt; position: var(--position); top: 387pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-128" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-373">257,211</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 603.75pt; position: var(--position); top: 387pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-129" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-374">253,391</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693.75pt; position: var(--position); top: 387pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.75pt;"></span></span><span style="left: 50.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-130" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-375">5,186</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 770.25pt; position: var(--position); top: 387pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.75pt;"></span></span><span style="left: 50.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-131" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-376">5,997</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 387pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.27pt;"></span></span><span style="left: 39.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-377">931,552</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 923.25pt; position: var(--position); top: 387pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.27pt;"></span></span><span style="left: 39.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-378">938,061</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">168<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-8" continuedAt="f-117-9"><div><ix:continuation id="f-118-1"><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 994.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 84.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 99.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 81pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 81pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 81pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 81pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 81pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 81pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 81pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 81pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 81pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 81pt;"/></tr><tr style="height: 14.25pt;"><td colspan="12" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 994.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 994.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandings per line of business (*) - continued<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ffffff; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 227.62pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">1, 2, 3<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 184.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 184.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 184.5pt; position: var(--position); top: 14.25pt; width: 162pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 162pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 83pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 346.5pt; position: var(--position); top: 14.25pt; width: 162pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 162pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 102.92pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Benelux<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 508.5pt; position: var(--position); top: 14.25pt; width: 162pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 162pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.31pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Challengers &amp; Growth Markets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 670.5pt; position: var(--position); top: 14.25pt; width: 162pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 162pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 100.44pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Line<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 832.5pt; position: var(--position); top: 14.25pt; width: 162pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 162pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 139.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 184.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 184.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Region<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 184.5pt; position: var(--position); top: 28.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 81pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 57.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 265.5pt; position: var(--position); top: 28.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 81pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 57.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 346.5pt; position: var(--position); top: 28.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 81pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 57.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 427.5pt; position: var(--position); top: 28.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 81pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 57.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 508.5pt; position: var(--position); top: 28.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 81pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 57.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 589.5pt; position: var(--position); top: 28.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 81pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 57.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 670.5pt; position: var(--position); top: 28.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 81pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 57.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 751.5pt; position: var(--position); top: 28.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 81pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 57.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 832.5pt; position: var(--position); top: 28.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 81pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 57.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 913.5pt; position: var(--position); top: 28.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 81pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 57.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="9" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 114.75pt; left: 0pt; position: var(--position); top: 42.75pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 53.44pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 84.75pt; position: var(--position); top: 42.75pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 184.5pt; position: var(--position); top: 42.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-272" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-379">54,938</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 265.5pt; position: var(--position); top: 42.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-273" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-380">61,143</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 346.5pt; position: var(--position); top: 42.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.85pt;"></span></span><span style="left: 45.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-274" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-381">155,792</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 427.5pt; position: var(--position); top: 42.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.85pt;"></span></span><span style="left: 45.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-275" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-382">154,253</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 508.5pt; position: var(--position); top: 42.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-276" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-383">390</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 589.5pt; position: var(--position); top: 42.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-277" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-384">254</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 670.5pt; position: var(--position); top: 42.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-278" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-385">2,366</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 751.5pt; position: var(--position); top: 42.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-279" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-386">2,898</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 832.5pt; position: var(--position); top: 42.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.85pt;"></span></span><span style="left: 45.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-387">213,486</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 913.5pt; position: var(--position); top: 42.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.85pt;"></span></span><span style="left: 45.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-388">218,548</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 84.75pt; position: var(--position); top: 55.5pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 184.5pt; position: var(--position); top: 55.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-282" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-389">24,171</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 265.5pt; position: var(--position); top: 55.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-283" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-390">27,144</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 346.5pt; position: var(--position); top: 55.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-284" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-391">90,450</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 427.5pt; position: var(--position); top: 55.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-285" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-392">88,767</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 508.5pt; position: var(--position); top: 55.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-286" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-393">1,294</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 589.5pt; position: var(--position); top: 55.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-287" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-394">669</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 670.5pt; position: var(--position); top: 55.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.31pt;"></span></span><span style="left: 72.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-288" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-395">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 751.5pt; position: var(--position); top: 55.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75.37pt;"></span></span><span style="left: 78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-289" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-396"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 832.5pt; position: var(--position); top: 55.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.85pt;"></span></span><span style="left: 45.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-290" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-397">115,921</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 913.5pt; position: var(--position); top: 55.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.85pt;"></span></span><span style="left: 45.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-291" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-398">116,580</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 84.75pt; position: var(--position); top: 68.25pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 184.5pt; position: var(--position); top: 68.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-292" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-399">26,152</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 265.5pt; position: var(--position); top: 68.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-293" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-400">24,441</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 346.5pt; position: var(--position); top: 68.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-294" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-401">478</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 427.5pt; position: var(--position); top: 68.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-295" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-402">463</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 508.5pt; position: var(--position); top: 68.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.85pt;"></span></span><span style="left: 45.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-296" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-403">128,407</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 589.5pt; position: var(--position); top: 68.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.85pt;"></span></span><span style="left: 45.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-297" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-404">127,764</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 670.5pt; position: var(--position); top: 68.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-298" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-405">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 751.5pt; position: var(--position); top: 68.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-299" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-406">63</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 832.5pt; position: var(--position); top: 68.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.85pt;"></span></span><span style="left: 45.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-300" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-407">155,067</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 913.5pt; position: var(--position); top: 68.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.85pt;"></span></span><span style="left: 45.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-301" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-408">152,730</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 84.75pt; position: var(--position); top: 81pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Poland<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 184.5pt; position: var(--position); top: 81pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-302" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-409">20,346</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 265.5pt; position: var(--position); top: 81pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-303" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-410">16,350</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 346.5pt; position: var(--position); top: 81pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.31pt;"></span></span><span style="left: 72.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-304" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-411">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 427.5pt; position: var(--position); top: 81pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-305" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-412">49</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 508.5pt; position: var(--position); top: 81pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-306" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-413">28,962</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 589.5pt; position: var(--position); top: 81pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-307" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-414">26,831</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 670.5pt; position: var(--position); top: 81pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75.37pt;"></span></span><span style="left: 78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-308" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-415"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 751.5pt; position: var(--position); top: 81pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75.37pt;"></span></span><span style="left: 78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-309" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-416"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 832.5pt; position: var(--position); top: 81pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-310" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-417">49,317</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 913.5pt; position: var(--position); top: 81pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-311" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-418">43,229</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 84.75pt; position: var(--position); top: 93.75pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Spain<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 184.5pt; position: var(--position); top: 93.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-312" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-419">11,047</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 265.5pt; position: var(--position); top: 93.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-313" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-420">10,491</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 346.5pt; position: var(--position); top: 93.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-314" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-421">109</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 427.5pt; position: var(--position); top: 93.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-315" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-422">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 508.5pt; position: var(--position); top: 93.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-316" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-423">27,049</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 589.5pt; position: var(--position); top: 93.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-317" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-424">25,649</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 670.5pt; position: var(--position); top: 93.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-318" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-425">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 751.5pt; position: var(--position); top: 93.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-319" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-426">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 832.5pt; position: var(--position); top: 93.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-320" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-427">38,240</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 913.5pt; position: var(--position); top: 93.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-321" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-428">36,237</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 84.75pt; position: var(--position); top: 106.5pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">United Kingdom<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 184.5pt; position: var(--position); top: 106.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-322" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-429">28,587</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 265.5pt; position: var(--position); top: 106.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-323" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-430">27,735</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 346.5pt; position: var(--position); top: 106.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-324" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-431">150</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 427.5pt; position: var(--position); top: 106.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-325" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-432">152</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 508.5pt; position: var(--position); top: 106.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-326" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-433">125</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 589.5pt; position: var(--position); top: 106.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-327" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-434">185</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 670.5pt; position: var(--position); top: 106.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-328" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-435">112</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 751.5pt; position: var(--position); top: 106.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-329" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-436">107</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 832.5pt; position: var(--position); top: 106.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-330" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-437">28,974</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 913.5pt; position: var(--position); top: 106.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-331" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-438">28,179</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 84.75pt; position: var(--position); top: 119.25pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Luxembourg<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 184.5pt; position: var(--position); top: 119.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-332" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-439">23,805</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 265.5pt; position: var(--position); top: 119.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-333" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-440">26,113</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 346.5pt; position: var(--position); top: 119.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-334" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-441">4,880</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 427.5pt; position: var(--position); top: 119.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-335" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-442">4,953</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 508.5pt; position: var(--position); top: 119.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-336" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-443">677</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 589.5pt; position: var(--position); top: 119.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-337" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-444">639</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 670.5pt; position: var(--position); top: 119.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75.37pt;"></span></span><span style="left: 78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-338" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-445"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 751.5pt; position: var(--position); top: 119.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-339" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-446">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 832.5pt; position: var(--position); top: 119.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-340" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-447">29,363</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 913.5pt; position: var(--position); top: 119.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-341" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-448">31,720</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 84.75pt; position: var(--position); top: 132pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">France<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 184.5pt; position: var(--position); top: 132pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-342" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-449">21,528</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 265.5pt; position: var(--position); top: 132pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-343" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-450">18,484</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 346.5pt; position: var(--position); top: 132pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-344" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-451">698</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 427.5pt; position: var(--position); top: 132pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-345" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-452">643</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 508.5pt; position: var(--position); top: 132pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-346" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-453">2,410</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 589.5pt; position: var(--position); top: 132pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-347" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-454">4,448</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 670.5pt; position: var(--position); top: 132pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-348" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-455">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 751.5pt; position: var(--position); top: 132pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.31pt;"></span></span><span style="left: 72.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-349" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-456">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 832.5pt; position: var(--position); top: 132pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-350" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-457">24,650</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 913.5pt; position: var(--position); top: 132pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-351" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-458">23,576</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 84.75pt; position: var(--position); top: 144.75pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 184.5pt; position: var(--position); top: 144.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-352" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-459">65,157</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 265.5pt; position: var(--position); top: 144.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-353" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-460">77,814</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 346.5pt; position: var(--position); top: 144.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-354" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-461">367</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 427.5pt; position: var(--position); top: 144.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-355" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-462">400</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 508.5pt; position: var(--position); top: 144.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-356" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-463">20,001</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 589.5pt; position: var(--position); top: 144.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-357" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-464">18,750</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 670.5pt; position: var(--position); top: 144.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-358" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-465">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 751.5pt; position: var(--position); top: 144.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-359" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-466">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 832.5pt; position: var(--position); top: 144.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-360" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-467">85,558</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 913.5pt; position: var(--position); top: 144.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-361" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-468">96,989</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 157.5pt; width: 184.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 184.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">America<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 184.5pt; position: var(--position); top: 157.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-362" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-469">78,851</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 265.5pt; position: var(--position); top: 157.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-363" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-470">80,444</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 346.5pt; position: var(--position); top: 157.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-364" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-471">201</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 427.5pt; position: var(--position); top: 157.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-365" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-472">190</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 508.5pt; position: var(--position); top: 157.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-366" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-473">1,841</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 589.5pt; position: var(--position); top: 157.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-367" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-474">1,795</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 670.5pt; position: var(--position); top: 157.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-368" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-475">222</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 751.5pt; position: var(--position); top: 157.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-369" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-476">358</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 832.5pt; position: var(--position); top: 157.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-370" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-477">81,114</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 913.5pt; position: var(--position); top: 157.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-371" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-478">82,786</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 170.25pt; width: 184.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 184.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Asia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 184.5pt; position: var(--position); top: 170.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-372" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-479">49,851</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 265.5pt; position: var(--position); top: 170.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-373" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-480">46,291</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 346.5pt; position: var(--position); top: 170.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-374" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-481">69</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 427.5pt; position: var(--position); top: 170.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-375" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-482">73</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 508.5pt; position: var(--position); top: 170.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-376" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-483">90</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 589.5pt; position: var(--position); top: 170.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.19pt;"></span></span><span style="left: 62.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-377" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-484">121</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 670.5pt; position: var(--position); top: 170.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-378" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-485">2,365</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 751.5pt; position: var(--position); top: 170.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-379" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-486">2,504</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 832.5pt; position: var(--position); top: 170.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-380" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-487">52,374</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 913.5pt; position: var(--position); top: 170.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-381" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-488">48,989</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 183pt; width: 184.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 184.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Australia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 184.5pt; position: var(--position); top: 183pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-382" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-489">9,409</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 265.5pt; position: var(--position); top: 183pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-383" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-490">9,817</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 346.5pt; position: var(--position); top: 183pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-384" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-491">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 427.5pt; position: var(--position); top: 183pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-385" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-492">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 508.5pt; position: var(--position); top: 183pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-386" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-493">45,963</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 589.5pt; position: var(--position); top: 183pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-387" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-494">46,281</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 670.5pt; position: var(--position); top: 183pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.31pt;"></span></span><span style="left: 72.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-388" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-495">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 751.5pt; position: var(--position); top: 183pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.31pt;"></span></span><span style="left: 72.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-389" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-496">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 832.5pt; position: var(--position); top: 183pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-390" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-497">55,389</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 913.5pt; position: var(--position); top: 183pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.91pt;"></span></span><span style="left: 50.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-391" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-498">56,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 195.75pt; width: 184.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 184.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Africa<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 184.5pt; position: var(--position); top: 195.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-392" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-499">2,071</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 265.5pt; position: var(--position); top: 195.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-393" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-500">2,348</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 346.5pt; position: var(--position); top: 195.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-394" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-501">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 427.5pt; position: var(--position); top: 195.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.25pt;"></span></span><span style="left: 67.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-395" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-502">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 508.5pt; position: var(--position); top: 195.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.31pt;"></span></span><span style="left: 72.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-396" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-503">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 589.5pt; position: var(--position); top: 195.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.31pt;"></span></span><span style="left: 72.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-397" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-504">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 670.5pt; position: var(--position); top: 195.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75.37pt;"></span></span><span style="left: 78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-398" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-505"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 751.5pt; position: var(--position); top: 195.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75.37pt;"></span></span><span style="left: 78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-399" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-506"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 832.5pt; position: var(--position); top: 195.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-400" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-507">2,098</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 913.5pt; position: var(--position); top: 195.75pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.97pt;"></span></span><span style="left: 55.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-401" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-508">2,381</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 78pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 208.5pt; width: 184.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 184.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 184.5pt; position: var(--position); top: 208.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.77pt;"></span></span><span style="left: 44.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-124" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-509">415,914</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 78.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 265.5pt; position: var(--position); top: 208.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.77pt;"></span></span><span style="left: 44.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-125" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-510">428,616</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 78.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 346.5pt; position: var(--position); top: 208.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.77pt;"></span></span><span style="left: 44.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-126" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-511">253,241</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 78.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 427.5pt; position: var(--position); top: 208.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.77pt;"></span></span><span style="left: 44.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-127" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-512">250,056</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 78.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 508.5pt; position: var(--position); top: 208.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.77pt;"></span></span><span style="left: 44.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-128" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-513">257,211</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 78.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 589.5pt; position: var(--position); top: 208.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.77pt;"></span></span><span style="left: 44.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-129" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-514">253,391</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 78.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 670.5pt; position: var(--position); top: 208.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.25pt;"></span></span><span style="left: 54.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-130" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-515">5,186</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 78.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 751.5pt; position: var(--position); top: 208.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.25pt;"></span></span><span style="left: 54.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-131" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-516">5,997</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 78.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 832.5pt; position: var(--position); top: 208.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.77pt;"></span></span><span style="left: 44.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-517">931,552</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 78.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 913.5pt; position: var(--position); top: 208.5pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.77pt;"></span></span><span style="left: 44.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-518">938,061</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 78.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="12" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 221.25pt; width: 994.5pt;"><div><div style="line-height: 8pt; position: var(--position); top: 2.94pt; width: 994.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1&#160;  Based on credit risk measurement contained in lending, pre-settlement, money market and investment activities.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="12" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 234pt; width: 994.5pt;"><div><div style="line-height: 8pt; position: var(--position); top: 2.94pt; width: 994.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2&#160;  Based on the total amount of credit risk in the respective column using ING&#8217;s internal credit risk measurement methodologies. Economic sectors (industry) below 2% are not shown separately but grouped in Other.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="12" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 246.75pt; width: 994.5pt;"><div><div style="line-height: 8pt; position: var(--position); top: 2.94pt; width: 994.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3&#160;  Geographical areas are based on country of residence, except for private individuals for which the geographical areas are based on the primary country of risk.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 344.42pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Overall portfolio (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 371.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">During 2023, ING&#8217;s portfolio size decreased by<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 244.06pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 252.19pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-8" sign="-" name="ifrs-full:IncreaseDecreaseInExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="9" id="f-519">6.5</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 265.86pt; position: var(--position); text-decoration: none; white-space: pre;"> billion (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 300.35pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" sign="-" name="ing:PercentageOfIncreaseDecreaseInPortfolioSize" scale="-2" id="f-520">0.69</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 328.26pt; position: var(--position); text-decoration: none; white-space: pre;">) to &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 351.39pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-8" name="ifrs-full:MaximumExposureToCreditRisk" scale="9" id="f-521">931.6</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 376.32000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> billion <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 407.63pt; position: var(--position); text-decoration: none; white-space: pre;">outstanding. Foreign <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 383.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exchange rate changes had a negative impact on the portfolio growth, mainly in WB, decreasing total <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">outstanding by<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 108.07pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 116.2pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-402" decimals="-8" sign="-" name="ing:ForeignExchangeRateChangesNegativeImpactOnPortfolioGrowthAmount" scale="9" id="f-522">4.6</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 129.87pt; position: var(--position); text-decoration: none; white-space: pre;"> billion, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 163.59pt; position: var(--position); text-decoration: none; white-space: pre;">driven by the depreciation of the US dollar <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 354.48pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 357.65999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="number" contextRef="c-402" decimals="3" sign="-" name="ing:ForeignExchangeRateChangesNegativeImpactOnPortfolioGrowthPercentage" scale="-2" id="f-523">3.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 383.66999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 389.35pt; position: var(--position); text-decoration: none; white-space: pre;">against the euro, Australian <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">dollar<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 65.27pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 70.95pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="number" contextRef="c-403" decimals="3" sign="-" name="ing:AppreciationDepreciationInCurrencyValue" scale="-2" id="f-524">3.4</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 96.96000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 102.64pt; position: var(--position); text-decoration: none; white-space: pre;">and Turkish lira<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 170.51pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 176.19pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="number" contextRef="c-404" decimals="3" sign="-" name="ing:AppreciationDepreciationInCurrencyValue" scale="-2" id="f-525">42.1</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 207.83pt; position: var(--position); text-decoration: none; white-space: pre;">), <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 215.92pt; position: var(--position); text-decoration: none; white-space: pre;">partly compensated by the Polish zloty<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 390.57000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> (+<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 401.88pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-405" decimals="3" name="ing:AppreciationDepreciationInCurrencyValue" scale="-2" id="f-526">6.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 424.15999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 434.42pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Rating<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 70.08pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 72.58pt; position: var(--position); text-decoration: none; white-space: pre;">distribution<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 126.11pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 128.61pt; position: var(--position); text-decoration: none; white-space: pre;">(*)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Overall, the rating class distribution remained stable in 2023. The share of investment grade rating classes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increased from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 107.42pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 109.92pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-406" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-527">76.2</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 137.82999999999998pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 152.15pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-407" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-528">76.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 180.06pt; position: var(--position); text-decoration: none; white-space: pre;">, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 184.97pt; position: var(--position); text-decoration: none; white-space: pre;">while the share of non-investment grade decreased from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 440.64pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 443.14pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-408" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-529">21.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 471.04999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 485.37pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-409" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-530">21.2</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 513.28pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Performing restructuring outstandings decreased from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 284.66999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 287.16999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-410" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-531">0.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 309.45000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 323.77pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-411" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-532">0.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 346.04999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 348.54999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">of the total portfolio, whereas non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performing loans increased from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 186.45pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 188.95pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-412" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-533">1.2</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 211.23pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 225.55pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-413" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-534">1.3</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 247.83pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 252.74pt; position: var(--position); text-decoration: none; white-space: pre;">The decrease in AAA and the increase in AA was mainly due <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to lower Central banks/Central Governments exposure in AAA-rated countries, partly driven by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">downgrade of the USA to AA rating.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 537.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">With respect to the rating distribution within the business lines, in WB, investment grade remained at<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 492.03pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 494.53pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-414" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-535">81.2</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 522.44pt; position: var(--position); text-decoration: none; white-space: pre;">, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 549.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">where non-investment grade exposures increased to<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 276.15999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 278.65999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-415" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-536">17.1</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 306.57000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> (from <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 336.42999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-416" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-537">16.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 364.34000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 370.02pt; position: var(--position); text-decoration: none; white-space: pre;">compared to 2022. Performing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 344.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Restructuring assets decreased from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 718.92pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 721.42pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-417" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-538">1.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 743.7pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 758.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-418" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-539">0.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 780.3pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 782.8pt; position: var(--position); text-decoration: none; white-space: pre;">of total Wholesale Banking assets. The share of non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 356.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">performing loans for WB remained stable at<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 751.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 753.8299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-419" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-540">1.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 776.11pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 383.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The non-investment grade portfolio of Retail Benelux increased from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 860.94pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 863.44pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-420" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-541">28.9</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 891.3499999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 905.67pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-421" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-542">30.3</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 933.5799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 936.0799999999999pt; position: var(--position); text-decoration: none; white-space: pre;">of the portfolio, which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">is explained primarily by rating migration in mortgages in Belgium. Performing restructuring remained flat <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">at<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 564.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 566.8199999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-422" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-543">0.9</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 589.1pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 591.6pt; position: var(--position); text-decoration: none; white-space: pre;">whereas NPL improved to<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 706.0899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 708.5899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-423" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-544">1.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 730.87pt; position: var(--position); text-decoration: none; white-space: pre;"> (from <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 760.73pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-424" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-545">1.9</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 783.01pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 788.6899999999999pt; position: var(--position); text-decoration: none; white-space: pre;">in 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 434.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In Retail Challengers &amp; Growth Markets, the distribution across rating classes remained stable in 2023. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 446.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Overall share of investment grade increased from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 776.72pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 779.22pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-425" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-546">75.2</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 807.13pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 821.45pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-426" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-547">78.9</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 849.3599999999999pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 854.27pt; position: var(--position); text-decoration: none; white-space: pre;">NPL increased to<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 929.0899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 931.5899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-427" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-548">1.2</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 953.87pt; position: var(--position); text-decoration: none; white-space: pre;"> (from <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 983.73pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-428" decimals="3" name="ing:RatingClassConcentrationPercentageIncreaseDecrease" scale="-2" id="f-549">1.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1006.01pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 473.42pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Industry<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 593.8pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 596.3pt; position: var(--position); text-decoration: none; white-space: pre;">(*)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 489.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The industry breakdown is presented in accordance with the NAICS definition. Total volume decreased in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 501.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2023 from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 601.72pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 612.35pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-8" name="ifrs-full:MaximumExposureToCreditRisk" scale="9" id="f-550">938.1</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 637.28pt; position: var(--position); text-decoration: none; white-space: pre;"> billion to &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 686.04pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-8" name="ifrs-full:MaximumExposureToCreditRisk" scale="9" id="f-551">931.6</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 710.97pt; position: var(--position); text-decoration: none; white-space: pre;"> billion (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 745.46pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" sign="-" name="ing:PercentageOfVolumeIncreaseDecrease" scale="-2" id="f-552">0.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 771.47pt; position: var(--position); text-decoration: none; white-space: pre;">), <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 779.56pt; position: var(--position); text-decoration: none; white-space: pre;">mainly witnessed in Netherlands<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 926.0899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 931.77pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="number" contextRef="c-429" decimals="3" sign="-" name="ing:PercentageOfVolumeIncreaseDecrease" scale="-2" id="f-553">2.3</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 957.78pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 963.46pt; position: var(--position); text-decoration: none; white-space: pre;">and in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 513.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Luxembourg<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 611.64pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 617.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="number" contextRef="c-430" decimals="3" sign="-" name="ing:PercentageOfVolumeIncreaseDecrease" scale="-2" id="f-554">7.4</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 643.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 649.01pt; position: var(--position); text-decoration: none; white-space: pre;">due to a decrease in outstanding at Central Banks. The largest part of our book in terms <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 525.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of outstandings is in private individuals with<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 750.21pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 752.71pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="ing:IndustryCompositionPercentage" scale="-2" id="f-555">38.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 780.62pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 813.73pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-23" decimals="3" name="ing:IndustryCompositionPercentage" scale="-2" id="f-556">37.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 841.64pt; position: var(--position); text-decoration: none; white-space: pre;">). <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 849.73pt; position: var(--position); text-decoration: none; white-space: pre;">Private individuals accounted for<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 995.1800000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 997.6800000000001pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-431" decimals="3" name="ing:IndustryCompositionPercentage" scale="-2" id="f-557">67</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1017.55pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 537.42pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">outstanding in Germany,<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 666.75pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 669.25pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-432" decimals="3" name="ing:IndustryCompositionPercentage" scale="-2" id="f-558">67</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 689.12pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 691.62pt; position: var(--position); text-decoration: none; white-space: pre;">in Spain,<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 729.0699999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 731.5699999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-433" decimals="3" name="ing:IndustryCompositionPercentage" scale="-2" id="f-559">66</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 751.4399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 753.9399999999999pt; position: var(--position); text-decoration: none; white-space: pre;">Australia and<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 813.53pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 816.03pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-429" decimals="3" name="ing:IndustryCompositionPercentage" scale="-2" id="f-560">55</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 835.9pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 838.4pt; position: var(--position); text-decoration: none; white-space: pre;">in the Netherlands. The increase in WB <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">169<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-9" continuedAt="f-117-10"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Private individuals is following the discontinuation of Retail Banking France which led to the transfer of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Retail individuals portfolio from Retail Banking to Wholesale Banking.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Looking at sectors in the Business Lending portfolio, the most notable decrease in outstanding, next to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Central Banks, was in Natural Resources<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 733.27pt; position: var(--position); text-decoration: none; white-space: pre;"> (-&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 748.31pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-434" decimals="-8" sign="-" name="ing:IncreaseDecreaseInMaximumExposureToCreditRisk" scale="9" id="f-561">4.2</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 761.98pt; position: var(--position); text-decoration: none; white-space: pre;"> billion).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 118.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfCreditRiskExposurePerEconomicSectorTableTextBlock" id="f-562" continuedAt="f-562-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 156.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 54pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 54pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 72pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 69.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/></tr><tr style="height: 12.75pt;"><td colspan="15" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandings by economic sectors and geographical area (*) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ffffff; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 286.57000000000005pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 12.75pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 12.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Region<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 12.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Industry<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.05pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 27pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.69pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.65pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.88pt; position: var(--position); text-decoration: none; white-space: pre;">Poland<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 27pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.4pt; position: var(--position); text-decoration: none; white-space: pre;">Spain<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 27pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.42pt; position: var(--position); text-decoration: none; white-space: pre;">United Kingdom<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.45pt; position: var(--position); text-decoration: none; white-space: pre;">Luxembourg<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.35pt; position: var(--position); text-decoration: none; white-space: pre;">France<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 27pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.11pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.72pt; position: var(--position); text-decoration: none; white-space: pre;">America<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 40.42pt; position: var(--position); text-decoration: none; white-space: pre;">Asia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.54pt; position: var(--position); text-decoration: none; white-space: pre;">Australia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 27pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.26pt; position: var(--position); text-decoration: none; white-space: pre;">Africa<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 36.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Private Individuals<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.85pt;"></span></span><span style="left: 24.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-435" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-563">116,530</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 41.25pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.91pt;"></span></span><span style="left: 23.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-436" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-564">44,637</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.85pt;"></span></span><span style="left: 24.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-437" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-565">103,151</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-438" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-566">14,860</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 41.25pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.91pt;"></span></span><span style="left: 23.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-439" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-567">25,452</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 41.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.19pt;"></span></span><span style="left: 53.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-440" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-568">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-441" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-569">3,347</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-442" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-570">2,472</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 41.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.66pt;"></span></span><span style="left: 39.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-443" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-571">14,179</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-444" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-572">149</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-445" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-573">121</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-446" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-574">36,340</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 41.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-447" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-575">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.85pt;"></span></span><span style="left: 24.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-140" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-576">361,387</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Central Banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-448" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-577">31,017</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 55.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.97pt;"></span></span><span style="left: 28.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-449" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-578">9,756</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-450" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-579">18,945</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-451" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-580">2,530</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 55.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.19pt;"></span></span><span style="left: 35.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-452" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-581">489</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 55.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-453" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-582">4,335</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-454" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-583">4,853</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.37pt;"></span></span><span style="left: 57pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-455" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-584"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 55.5pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.72pt;"></span></span><span style="left: 44.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-456" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-585">6,166</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.37pt;"></span></span><span style="left: 57pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-457" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-586"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-458" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-587">13,668</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-459" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-588">2,379</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 55.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-460" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-589">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-150" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-590">94,147</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Natural Resources<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-461" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-591">2,623</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 69.75pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.97pt;"></span></span><span style="left: 28.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-462" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-592">1,346</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-463" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-593">1,017</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-464" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-594">685</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 69.75pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.19pt;"></span></span><span style="left: 35.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-465" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-595">129</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 69.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-466" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-596">3,789</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-467" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-597">2,511</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-468" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-598">429</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 69.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.66pt;"></span></span><span style="left: 39.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-469" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-599">10,608</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-470" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-600">8,237</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-471" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-601">9,785</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-472" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-602">941</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 69.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-473" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-603">295</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-160" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-604">42,394</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real Estate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-474" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-605">16,907</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 84pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.91pt;"></span></span><span style="left: 23.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-475" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-606">10,986</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-476" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-607">1,111</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-477" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-608">2,184</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 84pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.97pt;"></span></span><span style="left: 28.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-478" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-609">1,551</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 84pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.19pt;"></span></span><span style="left: 53.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-479" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-610">420</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-480" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-611">3,563</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-481" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-612">2,901</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 84pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.72pt;"></span></span><span style="left: 44.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-482" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-613">3,492</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-483" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-614">3,323</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-484" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-615">1,367</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-485" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-616">3,709</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 84pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.62pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-486" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-617"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-170" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-618">51,515</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Commercial Banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-487" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-619">1,217</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 98.25pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.19pt;"></span></span><span style="left: 35.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-488" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-620">404</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-489" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-621">4,050</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-490" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-622">601</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 98.25pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.19pt;"></span></span><span style="left: 35.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-491" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-623">353</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 98.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-492" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-624">4,488</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-493" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-625">5,070</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-494" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-626">4,155</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 98.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.72pt;"></span></span><span style="left: 44.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-495" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-627">6,757</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-496" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-628">9,833</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-497" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-629">8,182</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-498" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-630">719</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 98.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-499" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-631">210</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-180" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-632">46,040</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 112.5pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-Bank Financial Institutions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-500" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-633">2,573</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 112.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.97pt;"></span></span><span style="left: 28.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-501" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-634">1,457</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-502" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-635">5,710</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-503" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-636">2,532</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 112.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.19pt;"></span></span><span style="left: 35.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-504" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-637">652</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 112.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-505" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-638">6,837</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-506" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-639">4,631</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-507" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-640">4,274</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 112.5pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.72pt;"></span></span><span style="left: 44.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-508" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-641">4,269</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-509" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-642">20,118</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-510" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-643">3,884</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-511" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-644">950</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 112.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.62pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-512" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-645"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-190" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-646">57,889</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 126.75pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Central Governments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-513" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-647">1,620</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 126.75pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.97pt;"></span></span><span style="left: 28.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-514" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-648">9,046</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-515" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-649">699</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-516" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-650">8,614</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 126.75pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.97pt;"></span></span><span style="left: 28.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-517" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-651">5,491</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 126.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.25pt;"></span></span><span style="left: 58.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-518" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-652">41</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-519" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-653">79</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-520" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-654">2,255</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 126.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.72pt;"></span></span><span style="left: 44.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-521" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-655">9,384</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-522" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-656">13,752</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-523" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-657">520</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-524" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-658">526</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 126.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-525" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-659">593</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-200" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-660">52,621</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 141pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transportation &amp; Logistics<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-526" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-661">3,860</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 141pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.97pt;"></span></span><span style="left: 28.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-527" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-662">2,198</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-528" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-663">1,277</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-529" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-664">1,598</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 141pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.19pt;"></span></span><span style="left: 35.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-530" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-665">658</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 141pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-531" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-666">2,113</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-532" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-667">596</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-533" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-668">784</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 141pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.72pt;"></span></span><span style="left: 44.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-534" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-669">8,177</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-535" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-670">3,511</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-536" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-671">7,044</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-537" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-672">456</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 141pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-538" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-673">618</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-210" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-674">32,890</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 155.25pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Utilities <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-539" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-675">2,419</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 155.25pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.97pt;"></span></span><span style="left: 28.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-540" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-676">1,634</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-541" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-677">3,516</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-542" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-678">792</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 155.25pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.19pt;"></span></span><span style="left: 35.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-543" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-679">912</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 155.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-544" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-680">2,723</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-545" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-681">480</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-546" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-682">619</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 155.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.72pt;"></span></span><span style="left: 44.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-547" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-683">4,469</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-548" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-684">4,424</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-549" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-685">1,306</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-550" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-686">2,041</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 155.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-551" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-687">173</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-220" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-688">25,509</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 169.5pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Food, Beverages &amp; Personal Care<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-552" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-689">7,138</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 169.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.97pt;"></span></span><span style="left: 28.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-553" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-690">3,127</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-554" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-691">550</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-555" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-692">2,242</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 169.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.19pt;"></span></span><span style="left: 35.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-556" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-693">490</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 169.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.19pt;"></span></span><span style="left: 53.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-557" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-694">540</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-558" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-695">1,505</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-559" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-696">1,250</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 169.5pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.72pt;"></span></span><span style="left: 44.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-560" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-697">2,455</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-561" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-698">2,652</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-562" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-699">1,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-563" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-700">281</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 169.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-564" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-701">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-230" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-702">23,386</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 183.75pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Services<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-565" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-703">5,073</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 183.75pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.97pt;"></span></span><span style="left: 28.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-566" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-704">8,463</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-567" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-705">1,725</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-568" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-706">1,325</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 183.75pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.25pt;"></span></span><span style="left: 40.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-569" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-707">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 183.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.19pt;"></span></span><span style="left: 53.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-570" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-708">745</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-571" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-709">502</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-572" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-710">380</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 183.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.72pt;"></span></span><span style="left: 44.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-573" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-711">1,052</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-574" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-712">1,576</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-575" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-713">469</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-576" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-714">642</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 183.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.62pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-577" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-715"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-240" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-716">22,023</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 198pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">General Industries<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-578" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-717">5,746</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 198pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.97pt;"></span></span><span style="left: 28.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-579" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-718">2,604</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-580" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-719">1,193</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-581" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-720">2,827</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 198pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.19pt;"></span></span><span style="left: 35.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-582" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-721">333</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 198pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.19pt;"></span></span><span style="left: 53.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-583" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-722">199</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-584" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-723">649</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-585" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-724">287</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 198pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.72pt;"></span></span><span style="left: 44.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-586" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-725">3,661</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-587" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-726">2,848</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-588" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-727">761</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-589" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-728">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 198pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.62pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-590" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-729"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-250" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-730">21,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 212.25pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Lower Public Administration<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-591" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-731">253</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 212.25pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.97pt;"></span></span><span style="left: 28.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-592" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-732">6,607</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-593" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-733">5,349</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-594" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-734">669</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 212.25pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.19pt;"></span></span><span style="left: 35.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-595" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-735">350</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 212.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.37pt;"></span></span><span style="left: 69pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-596" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-736"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-597" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-737">249</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-598" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-738">3,488</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 212.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.94pt;"></span></span><span style="left: 51.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-599" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-739">356</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-600" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-740">1,550</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-601" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-741">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-602" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-742">4,826</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 212.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.62pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-603" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-743"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-260" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-744">23,704</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 226.5pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-604" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-745">16,510</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 226.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.91pt;"></span></span><span style="left: 23.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-605" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-746">13,657</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-606" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-747">6,774</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-607" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-748">7,858</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 226.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.97pt;"></span></span><span style="left: 28.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-608" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-749">1,309</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 226.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-609" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-750">2,615</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-610" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-751">1,326</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-611" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-752">1,356</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 226.5pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.66pt;"></span></span><span style="left: 39.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-612" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-753">10,532</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-613" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-754">9,141</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-614" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-755">4,120</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-615" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-756">1,562</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 226.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-616" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-757">163</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-270" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-758">76,922</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 240.75pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.77pt;"></span></span><span style="left: 23.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-759">213,486</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 240.75pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.77pt;"></span></span><span style="left: 17.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-290" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-760">115,921</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 51.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.77pt;"></span></span><span style="left: 23.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-300" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-761">155,067</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-310" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-762">49,317</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 240.75pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.01pt;"></span></span><span style="left: 22.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-320" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-763">38,240</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 51.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 240.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.01pt;"></span></span><span style="left: 40.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-330" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-764">28,974</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-340" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-765">29,363</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-350" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-766">24,650</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 240.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.76pt;"></span></span><span style="left: 38.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-360" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-767">85,558</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 66.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-370" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-768">81,114</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-380" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-769">52,374</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-390" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-770">55,389</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 240.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.5pt;"></span></span><span style="left: 27.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-400" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-771">2,098</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.77pt;"></span></span><span style="left: 23.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-772">931,552</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 269.25pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rating class<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 283.5pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment grade<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.85pt;"></span></span><span style="left: 24.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-617" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-773">170,067</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 283.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.91pt;"></span></span><span style="left: 23.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-618" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-774">71,730</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.85pt;"></span></span><span style="left: 24.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-619" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-775">136,675</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-620" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-776">31,772</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 283.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.91pt;"></span></span><span style="left: 23.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-621" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-777">29,583</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 283.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.91pt;"></span></span><span style="left: 41.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-622" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-778">24,299</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-623" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-779">24,083</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-624" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-780">18,692</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 283.5pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.66pt;"></span></span><span style="left: 39.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-625" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-781">56,404</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-626" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-782">63,652</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-627" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-783">44,481</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-628" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-784">44,139</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 283.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-629" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-785">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.85pt;"></span></span><span style="left: 24.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-630" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-786">715,602</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 297.75pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-Investment grade<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-631" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-787">40,399</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 297.75pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.91pt;"></span></span><span style="left: 23.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-632" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-788">40,236</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-633" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-789">16,929</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-634" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-790">15,785</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 297.75pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.97pt;"></span></span><span style="left: 28.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-635" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-791">8,134</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 297.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-636" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-792">4,508</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-637" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-793">5,013</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-638" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-794">5,713</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 297.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.66pt;"></span></span><span style="left: 39.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-639" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-795">25,967</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-640" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-796">16,003</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-641" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-797">6,770</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-642" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-798">10,715</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 297.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-643" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-799">1,776</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.85pt;"></span></span><span style="left: 24.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-644" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-800">197,949</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 312pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Performing restructuring<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-645" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-801">1,433</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 312pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.19pt;"></span></span><span style="left: 35.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-646" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-802">799</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-647" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-803">349</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-648" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-804">830</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 312pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.19pt;"></span></span><span style="left: 35.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-649" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-805">230</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 312pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.31pt;"></span></span><span style="left: 63.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-650" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-806">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-651" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-807">105</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-652" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-808">122</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 312pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.72pt;"></span></span><span style="left: 44.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-653" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-809">1,983</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-654" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-810">245</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-655" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-811">72</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-656" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-812">132</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 312pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-657" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-813">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-658" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-814">6,327</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 326.25pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">NPL grade<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-659" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-815">1,587</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 326.25pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.97pt;"></span></span><span style="left: 28.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-660" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-816">3,156</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-661" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-817">1,114</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-662" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-818">929</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 326.25pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.19pt;"></span></span><span style="left: 35.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-663" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-819">293</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 326.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.19pt;"></span></span><span style="left: 53.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-664" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-820">165</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-665" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-821">162</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-666" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-822">124</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 326.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.72pt;"></span></span><span style="left: 44.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-667" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-823">1,205</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-668" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-824">1,213</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-669" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-825">1,051</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-670" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-826">403</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 326.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-671" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-827">272</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-672" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-828">11,673</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 340.5pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.77pt;"></span></span><span style="left: 23.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-829">213,486</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216.75pt; position: var(--position); top: 340.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.77pt;"></span></span><span style="left: 17.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-290" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-830">115,921</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 51.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.77pt;"></span></span><span style="left: 23.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-300" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-831">155,067</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330.75pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-310" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-832">49,317</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 340.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.01pt;"></span></span><span style="left: 22.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-320" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-833">38,240</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 51.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 340.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.01pt;"></span></span><span style="left: 40.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-330" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-834">28,974</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 516.75pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-340" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-835">29,363</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 576.75pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-350" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-836">24,650</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 340.5pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.76pt;"></span></span><span style="left: 38.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-360" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-837">85,558</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 66.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 706.5pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-370" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-838">81,114</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 766.5pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-380" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-839">52,374</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-390" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-840">55,389</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 340.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.5pt;"></span></span><span style="left: 27.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-400" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-841">2,098</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.77pt;"></span></span><span style="left: 23.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-842">931,552</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="15" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 354.75pt; width: 999.75pt;"><div><div style="line-height: 8pt; position: var(--position); top: 2.94pt; width: 999.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1&#160;  Geographical areas are based on country of residence, except for private individuals for which the geographical areas are based on the primary country of risk.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">170<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-10" continuedAt="f-117-11"><div><ix:continuation id="f-562-1"><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 156pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 72pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 70.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/></tr><tr style="height: 12.75pt;"><td colspan="15" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandings by economic sectors and geographical area (*) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ffffff; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 286.57000000000005pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 12.75pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #ff6200; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: normal; left: 0pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 12.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Region<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 12.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Industry<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Poland<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 27pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Spain<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 27pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">United Kingdom<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Luxembourg<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">France<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 27pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">America<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 27pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Asia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Australia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 27pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Africa<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 36.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Private Individuals<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.85pt;"></span></span><span style="left: 24.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-673" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-843">114,625</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-674" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-844">44,193</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.85pt;"></span></span><span style="left: 24.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-675" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-845">101,529</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-676" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-846">13,767</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 41.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.66pt;"></span></span><span style="left: 21.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-677" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-847">24,865</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 41.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.19pt;"></span></span><span style="left: 53.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-678" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-848">138</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-679" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-849">3,486</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-680" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-850">2,731</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 41.25pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.41pt;"></span></span><span style="left: 40.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-681" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-851">13,654</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-682" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-852">161</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 41.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-683" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-853">131</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-684" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-854">35,528</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 41.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-685" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-855">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.85pt;"></span></span><span style="left: 24.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-141" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-856">354,831</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Central Banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-686" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-857">35,202</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-687" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-858">14,338</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-688" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-859">21,041</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-689" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-860">1,060</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 55.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-690" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-861">347</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 55.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.19pt;"></span></span><span style="left: 53.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-691" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-862">427</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-692" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-863">6,820</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-693" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-864">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 55.5pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.41pt;"></span></span><span style="left: 40.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-694" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-865">18,092</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.37pt;"></span></span><span style="left: 57pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-695" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-866"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 55.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-696" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-867">4,962</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-697" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-868">2,695</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 55.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-698" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-869">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.85pt;"></span></span><span style="left: 24.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-151" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-870">105,043</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Natural Resources<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-699" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-871">3,084</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-700" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-872">1,356</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-701" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-873">809</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-702" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-874">746</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 69.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-703" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-875">169</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 69.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-704" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-876">4,442</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-705" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-877">2,764</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-706" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-878">470</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 69.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.41pt;"></span></span><span style="left: 40.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-707" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-879">12,154</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-708" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-880">8,771</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 69.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.16pt;"></span></span><span style="left: 25.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-709" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-881">10,398</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-710" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-882">1,028</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 69.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-711" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-883">361</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-161" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-884">46,549</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real Estate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-712" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-885">17,586</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-713" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-886">10,112</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-714" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-887">1,388</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-715" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-888">2,374</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 84pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.72pt;"></span></span><span style="left: 26.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-716" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-889">1,391</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 84pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.19pt;"></span></span><span style="left: 53.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-717" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-890">413</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-718" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-891">3,797</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-719" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-892">3,155</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 84pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.47pt;"></span></span><span style="left: 45.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-720" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-893">3,378</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-721" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-894">3,474</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 84pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-722" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-895">1,180</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-723" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-896">4,263</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 84pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-724" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-897">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-171" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-898">52,513</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Commercial Banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-725" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-899">1,358</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-726" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-900">265</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-727" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-901">3,974</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-728" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-902">551</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 98.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-729" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-903">402</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 98.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-730" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-904">4,933</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-731" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-905">4,480</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-732" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-906">4,371</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 98.25pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.47pt;"></span></span><span style="left: 45.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-733" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-907">6,368</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-734" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-908">9,945</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 98.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.16pt;"></span></span><span style="left: 25.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-735" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-909">12,041</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-736" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-910">1,765</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 98.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-737" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-911">409</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-181" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-912">50,862</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 112.5pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-Bank Financial Institutions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-738" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-913">2,710</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-739" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-914">1,041</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-740" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-915">5,054</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-741" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-916">2,299</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 112.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36pt;"></span></span><span style="left: 38.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-742" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-917">99</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 112.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-743" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-918">8,229</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-744" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-919">4,489</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-745" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-920">3,220</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 112.5pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.47pt;"></span></span><span style="left: 45.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-746" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-921">4,495</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-747" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-922">19,971</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 112.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-748" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-923">4,091</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-749" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-924">896</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 112.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.62pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-750" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-925"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-191" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-926">56,594</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 126.75pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Central Governments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-751" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-927">3,342</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-752" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-928">7,716</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-753" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-929">1,179</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-754" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-930">6,578</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 126.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.72pt;"></span></span><span style="left: 26.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-755" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-931">4,578</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 126.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.25pt;"></span></span><span style="left: 58.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-756" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-932">46</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-757" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-933">175</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-758" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-934">1,797</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 126.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.47pt;"></span></span><span style="left: 45.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-759" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-935">8,444</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-760" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-936">13,979</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 126.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-761" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-937">333</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-762" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-938">636</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 126.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-763" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-939">551</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-201" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-940">49,356</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 141pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transportation &amp; Logistics<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-764" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-941">3,967</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-765" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-942">2,183</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-766" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-943">608</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-767" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-944">1,300</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 141pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-768" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-945">690</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 141pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-769" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-946">1,787</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-770" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-947">583</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-771" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-948">733</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 141pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.47pt;"></span></span><span style="left: 45.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-772" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-949">7,808</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-773" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-950">3,378</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 141pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-774" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-951">6,806</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-775" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-952">531</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 141pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-776" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-953">608</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 141pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-211" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-954">30,982</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 155.25pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Utilities <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-777" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-955">1,551</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-778" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-956">1,630</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-779" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-957">2,814</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-780" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-958">679</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 155.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.72pt;"></span></span><span style="left: 26.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-781" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-959">1,227</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 155.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-782" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-960">2,953</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-783" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-961">572</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-784" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-962">980</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 155.25pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.47pt;"></span></span><span style="left: 45.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-785" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-963">4,302</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-786" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-964">4,347</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 155.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-787" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-965">1,545</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-788" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-966">1,897</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 155.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-789" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-967">200</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 155.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-221" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-968">24,698</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 169.5pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Food, Beverages &amp; Personal Care<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-790" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-969">7,249</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-791" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-970">3,002</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-792" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-971">573</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-793" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-972">2,334</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 169.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-794" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-973">475</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 169.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.19pt;"></span></span><span style="left: 53.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-795" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-974">739</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-796" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-975">1,667</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-797" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-976">469</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 169.5pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.47pt;"></span></span><span style="left: 45.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-798" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-977">2,668</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-799" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-978">3,245</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 169.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-800" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-979">942</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-801" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-980">248</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 169.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-802" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-981">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 169.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-231" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-982">23,623</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 183.75pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Services<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-803" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-983">4,819</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-804" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-984">8,816</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-805" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-985">1,254</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-806" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-986">1,101</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 183.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36pt;"></span></span><span style="left: 38.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-807" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-987">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 183.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.19pt;"></span></span><span style="left: 53.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-808" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-988">685</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-809" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-989">808</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-810" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-990">1,066</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 183.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.47pt;"></span></span><span style="left: 45.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-811" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-991">1,120</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-812" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-992">1,821</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 183.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-813" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-993">357</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-814" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-994">632</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 183.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.62pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-815" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-995"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-241" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-996">22,546</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 198pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">General Industries<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-816" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-997">5,430</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-817" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-998">2,689</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-818" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-999">1,007</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-819" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1000">2,849</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 198pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-820" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1001">311</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 198pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.19pt;"></span></span><span style="left: 53.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-821" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1002">330</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-822" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1003">604</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-823" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1004">245</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 198pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.47pt;"></span></span><span style="left: 45.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-824" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1005">3,152</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-825" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1006">2,926</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 198pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-826" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1007">1,311</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-827" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1008">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 198pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.62pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-828" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-1009"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 198pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-251" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1010">20,865</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 212.25pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Lower Public Administration<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-829" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1011">272</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-830" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1012">5,638</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-831" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1013">5,197</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-832" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1014">644</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 212.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-833" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1015">200</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 212.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.37pt;"></span></span><span style="left: 69pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-834" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-1016"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-835" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1017">313</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-836" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1018">3,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 212.25pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.69pt;"></span></span><span style="left: 52.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-837" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1019">402</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-838" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1020">1,310</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 212.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-839" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-1021"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-840" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1022">4,564</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 212.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.62pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-841" xsi:nil="true" name="ifrs-full:MaximumExposureToCreditRisk" id="f-1023"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 212.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-261" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1024">21,666</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 226.5pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-842" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1025">17,353</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-843" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1026">13,602</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-844" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1027">6,302</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-845" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1028">6,946</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 226.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.72pt;"></span></span><span style="left: 26.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-846" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1029">1,416</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 226.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-847" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1030">3,058</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-848" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1031">1,164</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-849" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1032">1,179</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 226.5pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.41pt;"></span></span><span style="left: 40.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-850" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1033">10,952</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-851" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1034">9,457</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 226.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-852" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1035">4,891</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-853" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1036">1,424</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 226.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-854" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1037">188</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 226.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-271" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1038">77,932</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 240.75pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.77pt;"></span></span><span style="left: 23.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1039">218,548</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.77pt;"></span></span><span style="left: 23.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-291" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1040">116,580</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.77pt;"></span></span><span style="left: 23.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-301" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1041">152,730</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-311" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1042">43,229</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 240.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.76pt;"></span></span><span style="left: 20.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-321" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1043">36,237</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 240.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.01pt;"></span></span><span style="left: 40.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-331" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1044">28,179</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-341" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1045">31,720</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-351" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1046">23,576</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 240.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.51pt;"></span></span><span style="left: 39.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-361" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1047">96,989</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 67.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-371" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1048">82,786</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 240.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.26pt;"></span></span><span style="left: 24.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-381" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1049">48,989</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-391" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1050">56,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 240.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.5pt;"></span></span><span style="left: 27.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-401" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1051">2,381</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 240.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.77pt;"></span></span><span style="left: 23.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1052">938,061</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 269.25pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rating class<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 283.5pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment grade<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.85pt;"></span></span><span style="left: 24.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-855" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1053">174,971</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-856" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1054">76,244</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.85pt;"></span></span><span style="left: 24.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-857" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1055">130,285</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-858" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1056">27,501</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 283.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.66pt;"></span></span><span style="left: 21.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-859" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1057">28,556</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 283.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.91pt;"></span></span><span style="left: 41.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-860" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1058">23,160</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-861" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1059">26,053</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-862" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1060">17,545</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 283.5pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.41pt;"></span></span><span style="left: 40.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-863" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1061">64,884</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-864" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1062">64,206</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 283.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.16pt;"></span></span><span style="left: 25.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-865" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1063">39,903</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-866" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1064">41,476</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 283.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-867" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1065">213</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 283.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.85pt;"></span></span><span style="left: 24.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-868" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1066">714,997</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 297.75pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-Investment grade<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-869" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1067">40,325</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-870" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1068">36,036</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-871" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1069">20,967</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-872" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1070">14,596</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 297.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.72pt;"></span></span><span style="left: 26.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-873" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1071">7,330</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 297.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-874" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1072">4,634</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-875" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1073">5,442</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-876" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1074">5,814</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 297.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.41pt;"></span></span><span style="left: 40.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-877" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1075">27,617</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-878" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1076">17,615</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 297.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-879" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1077">7,638</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-880" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1078">13,914</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 297.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-881" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1079">1,858</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 297.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.85pt;"></span></span><span style="left: 24.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-882" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1080">203,786</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 312pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Performing restructuring<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-883" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1081">1,508</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-884" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1082">984</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-885" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1083">579</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-886" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1084">422</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 312pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-887" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1085">105</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 312pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.25pt;"></span></span><span style="left: 58.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-888" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1086">41</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-889" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1087">80</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-890" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1088">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 312pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.47pt;"></span></span><span style="left: 45.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-891" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1089">2,903</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-892" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1090">311</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 312pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-893" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1091">124</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-894" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1092">257</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 312pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-895" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1093">239</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 312pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-896" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1094">7,569</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 326.25pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-performing loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-897" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1095">1,743</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-898" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1096">3,316</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-899" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1097">899</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-900" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1098">710</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 326.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-901" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1099">246</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 326.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.19pt;"></span></span><span style="left: 53.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-902" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1100">344</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-903" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1101">145</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-904" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1102">201</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 326.25pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.47pt;"></span></span><span style="left: 45.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-905" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1103">1,584</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-906" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1104">654</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 326.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-907" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1105">1,325</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-908" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1106">470</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 326.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-909" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" scale="6" id="f-1107">72</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 326.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.91pt;"></span></span><span style="left: 29.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-910" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1108">11,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 340.5pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.77pt;"></span></span><span style="left: 23.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1109">218,548</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.77pt;"></span></span><span style="left: 23.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-291" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1110">116,580</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.77pt;"></span></span><span style="left: 23.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-301" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1111">152,730</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-311" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1112">43,229</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 340.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.76pt;"></span></span><span style="left: 20.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-321" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1113">36,237</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 340.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.01pt;"></span></span><span style="left: 40.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-331" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1114">28,179</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 519.75pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-341" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1115">31,720</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 579.75pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-351" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1116">23,576</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 340.5pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.51pt;"></span></span><span style="left: 39.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-361" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1117">96,989</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 67.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 710.25pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-371" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1118">82,786</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 770.25pt; position: var(--position); top: 340.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.26pt;"></span></span><span style="left: 24.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-381" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1119">48,989</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 826.5pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.01pt;"></span></span><span style="left: 28.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-391" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1120">56,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 886.5pt; position: var(--position); top: 340.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.5pt;"></span></span><span style="left: 27.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-401" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1121">2,381</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939.75pt; position: var(--position); top: 340.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.77pt;"></span></span><span style="left: 23.4pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1122">938,061</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="15" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 354.75pt; width: 999.75pt;"><div><div style="line-height: 8pt; position: var(--position); top: 2.94pt; width: 999.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1&#160;  Geographical areas are based on country of residence, except for private individuals for which the geographical areas are based on the primary country of risk.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 452.41pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Portfolio analysis per geographical area (*)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 236.71pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The portfolio analysis per geographical area re-emphasises the international distribution of ING&#8217;s credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio. The share of the Netherlands in the overall portfolio (ex-Central Banks) reduced to<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 447.84000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 450.34000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-429" decimals="3" name="ing:OverallPortfolioPercent" scale="-2" id="f-1123">21.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 478.25pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-911" decimals="3" name="ing:OverallPortfolioPercent" scale="-2" id="f-1124">22.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 67.88pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The most noticeable trend in the Netherlands was the decrease in exposure with central banks<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 462.53999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> (-&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 477.58000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-429" decimals="-8" sign="-" name="ifrs-full:IncreaseDecreaseInExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="9" id="f-1125">4.2</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 491.25pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">billion). <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 74.37pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandings to private individuals are at<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 258.48pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 260.98pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-912" decimals="3" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1126">63.9</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 288.89pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 322pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-913" decimals="3" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1127">62.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 349.90999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 355.59000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">of total outstandings (excl. Central <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Banks). In Belgium, no substantial changes were observed in the portfolio.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In terms of rating distribution in individual countries, the total share of investment grade/non-investment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">grade remains substantial for the Netherlands at<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 773.5pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 776pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-914" decimals="3" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1128">98.6</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 803.91pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 837.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-915" decimals="3" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1129">98.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 864.9300000000001pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 870.6099999999999pt; position: var(--position); text-decoration: none; white-space: pre;">and in Belgium<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 937.31pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 939.81pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-916" decimals="3" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1130">96.6</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 967.72pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1000.8299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-917" decimals="3" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1131">96.3</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1028.74pt; position: var(--position); text-decoration: none; white-space: pre;">). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Performing restructuring grade assets remained flat in the Netherlands at<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 884.92pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 887.42pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-918" decimals="3" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1132">0.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 909.7pt; position: var(--position); text-decoration: none; white-space: pre;">, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 914.6099999999999pt; position: var(--position); text-decoration: none; white-space: pre;">whereas Belgium <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">decreased from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 625.55pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 628.05pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-919" decimals="3" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1133">0.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 650.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 664.65pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-920" decimals="3" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1134">0.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 686.93pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 691.8399999999999pt; position: var(--position); text-decoration: none; white-space: pre;">The NPL share decreased in 2023, from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 866.41pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 868.91pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-921" decimals="3" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1135">0.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 891.19pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 905.51pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-922" decimals="3" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1136">0.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 927.79pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 930.29pt; position: var(--position); text-decoration: none; white-space: pre;">in the Netherlands, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 576.6999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 579.1999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-923" decimals="3" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1137">2.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 601.48pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 615.8pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-924" decimals="3" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1138">2.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 638.0799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 640.5799999999999pt; position: var(--position); text-decoration: none; white-space: pre;">in Belgium.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In Challengers &amp; Growth Markets, ING has a sizeable residential mortgages portfolio in Germany, Australia, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 555.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Spain and Poland.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">171<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-11" continuedAt="f-117-12"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The top five countries within Rest of Europe based on outstandings were: Italy<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 387.1pt; position: var(--position); text-decoration: none; white-space: pre;"> (&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 398.40999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-925" decimals="-8" name="ifrs-full:MaximumExposureToCreditRisk" scale="9" id="f-1139">18.7</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 417.71000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> billion), <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 454.61pt; position: var(--position); text-decoration: none; white-space: pre;">Romania<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 494.53999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 48.78pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-926" decimals="-8" name="ifrs-full:MaximumExposureToCreditRisk" scale="9" id="f-1140">11.5</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.08pt; position: var(--position); text-decoration: none; white-space: pre;"> billion), <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 104.98pt; position: var(--position); text-decoration: none; white-space: pre;">Switzerland<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 156.68pt; position: var(--position); text-decoration: none; white-space: pre;"> (&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 167.99pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-927" decimals="-8" name="ifrs-full:MaximumExposureToCreditRisk" scale="9" id="f-1141">11.2</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 187.29pt; position: var(--position); text-decoration: none; white-space: pre;"> billion), <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 224.19pt; position: var(--position); text-decoration: none; white-space: pre;">T&#252;rkiye<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 256.87pt; position: var(--position); text-decoration: none; white-space: pre;"> (&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 268.18pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-928" decimals="-8" name="ifrs-full:MaximumExposureToCreditRisk" scale="9" id="f-1142">7.2</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 281.85pt; position: var(--position); text-decoration: none; white-space: pre;"> billion) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 316.34000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">and Ireland<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 367.15pt; position: var(--position); text-decoration: none; white-space: pre;"> (&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 378.46000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-929" decimals="-8" name="ifrs-full:MaximumExposureToCreditRisk" scale="9" id="f-1143">4.7</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 392.13pt; position: var(--position); text-decoration: none; white-space: pre;"> billion).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In Europe, outside the Benelux, rating distribution in most countries remained stable. The most noticeable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">changes in rating distribution were observed in Rest of Europe, where the development of the Russian <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio caused a decrease into Performing Restructuring from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 322.41999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 324.91999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-930" decimals="3" name="ing:CreditGradePercentage" scale="-2" id="f-1144">3.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 347.20000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 361.52pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-931" decimals="3" name="ing:CreditGradePercentage" scale="-2" id="f-1145">2.3</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 383.79999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 388.71000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">Note the paragraph on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Russian exposures in section 'Risk management at ING Group'. Apart from Russia, noticeable changes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">occurred in the UK, where NPL decreased from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 247.95pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 250.45pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-932" decimals="3" name="ing:CreditGradePercentage" scale="-2" id="f-1146">1.2</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 272.73pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 287.05pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-933" decimals="3" name="ing:CreditGradePercentage" scale="-2" id="f-1147">0.6</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 309.33000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In terms of rating distribution for the Americas region, an increase in NPL is observed to<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 429.88pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 432.38pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-934" decimals="3" name="ing:CreditGradePercentage" scale="-2" id="f-1148">1.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 454.65999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"> (from <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 484.52pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-935" decimals="3" name="ing:CreditGradePercentage" scale="-2" id="f-1149">0.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 506.79999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">), <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">whereas in Asia, NPL decreased from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 205.17pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 207.67pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-936" decimals="3" name="ing:CreditGradePercentage" scale="-2" id="f-1150">2.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 229.95pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 244.27pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-937" decimals="3" name="ing:CreditGradePercentage" scale="-2" id="f-1151">2.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 266.55pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 271.46000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">In Africa, NPL increased from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 400.37pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 402.87pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-938" decimals="3" name="ing:CreditGradePercentage" scale="-2" id="f-1152">3.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 425.15pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 439.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-939" decimals="3" name="ing:CreditGradePercentage" scale="-2" id="f-1153">13.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 467.38pt; position: var(--position); text-decoration: none; white-space: pre;">, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 472.28999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">driven by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">one well-covered file.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 232.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Credit risk mitigation (*)<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 255.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING uses various techniques and instruments to mitigate the credit risk associated with an exposure and to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 267.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reduce the losses incurred subsequent to a default by a customer. The most common terminology used in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 279.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING for credit risk protection is &#8216;cover&#8217;. While a cover may be an important mitigant of credit risk and an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 291.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">alternative source of repayment, generally it is ING&#8217;s practice to lend on the basis of the customer&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">creditworthiness rather than exclusively relying on the value of the cover.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 332.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cover forms (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Within ING, there are two distinct forms of covers. First, where the asset has been pledged to ING as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">collateral or security, ING has the right to liquidate it should the customer be unable to fulfil its financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">obligation. As such, the proceeds can be applied towards full or partial compensation of the customer's <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">outstanding exposure. This may be tangible (such as cash, securities, receivables, inventory, plant and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">machinery, and mortgages on real estate properties) or intangible (such as patents, trademarks, contract <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">rights and licences). Second, where there is a third-party obligation, indemnification or undertaking (either <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by contract and/or by law), ING has the right to claim from that third party an amount if the customer fails <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on its obligations. The most common examples are guarantees, such as parent guarantees, export credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">insurances or third-party pledged mortgages. Insurance or reinsurance covers, including comprehensive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">private risk insurance (CPRI) may be recognised as guarantees and effectively function in an equivalent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">manner. ING accepts credit risk insurance companies and export credit agencies (ECAs) as cover providers.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 500.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cover valuation methodology (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">General guidelines for cover valuation are established with the objective of ensuring consistent application <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 530.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">within ING. These also require that the value of the cover is monitored on a regular basis. Covers are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 542.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">revalued periodically and whenever there is reason to believe that the market is subject to significant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 554.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">changes in conditions. The frequency of monitoring and revaluation depends on the type of cover.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The valuation method also depends on the type of covers. For asset collateral, the valuation sources can be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the customer&#8217;s balance sheet (e.g. inventory, machinery and equipment), nominal value (e.g. cash and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">receivables), market value (e.g. securities and commodities), independent valuations (e.g. commercial real <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">estate) and market indices (e.g. residential real estate). For third-party obligations, the valuation is based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the value that is attributed to the contract between ING and that third party.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Where collateral values are used in the calculation of stage 3 individual loan loss provisions, haircuts may be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">applied to the valuation in specific circumstances, to sufficiently include all relevant factors impacting future <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cash flows. ING applies haircuts to the collateral values of real estate, shipping and aviation assets that are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">used in the calculation of the loss-given-default in recovery scenarios. The haircut reflects the risks of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adverse price developments between the moment of valuation of an asset and the actual settlement/cash <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">receipt.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 228.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Cover values (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This section provides insight into the types of cover and the extent to which exposures benefit from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">collateral or guarantees. The disclosure differentiates between risk categories (lending, investment, money <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">market and pre-settlement). The most relevant types of cover include mortgages, financial collateral (cash <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 283.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and securities) and guarantees. ING obtains cover that is eligible for credit risk mitigation under CRR/CRDIV, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 295.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as well as cover that is not eligible. Collateral covering financial market transactions is valued on a daily <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">basis, and as such not included in the following tables. To mitigate the credit risk arising from financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">markets transactions, the bank enters into legal agreements governing the exchange of financial collateral <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(high-quality government bonds and cash).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The cover values are presented for the total portfolio of ING, both the performing and non-performing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio. Our definition of non-performing is explained in detail in &#8216;Credit restructuring&#8217; (below).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 397.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The next table gives an overview of the collateralisation of the ING&#8217;s total portfolio.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">172<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-12" continuedAt="f-117-13"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:CoverRiskExposureCoverValuesIncludingGuaranteesReceivedExplanatoryTableTextBlock" id="f-1154" continuedAt="f-1154-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 300pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 87pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 87pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 87pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 87pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 87pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 87pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 87pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 87pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 996pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 996pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Cover values including guarantees received (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 300pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="4" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 14.25pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 131.54pt; position: var(--position); text-decoration: none; white-space: pre;">Cover type and value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 735pt; position: var(--position); top: 14.25pt; width: 261pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 261pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 98.09pt; position: var(--position); text-decoration: none; white-space: pre;">Collateralisation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 27pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 27pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Mortgages<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 474pt; position: var(--position); top: 27pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Collateral<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 561pt; position: var(--position); top: 27pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Guarantees<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 648pt; position: var(--position); top: 27pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other covers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 735pt; position: var(--position); top: 27pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">No Cover<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 822pt; position: var(--position); top: 27pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Partially covered<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 27pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fully covered<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Consumer lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 41.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.85pt;"></span></span><span style="left: 51.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-940" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1155">360,124</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 41.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.85pt;"></span></span><span style="left: 51.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-941" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1156">804,994</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 474pt; position: var(--position); top: 41.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.91pt;"></span></span><span style="left: 56.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-942" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1157">22,401</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 561pt; position: var(--position); top: 41.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.91pt;"></span></span><span style="left: 56.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-943" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1158">25,269</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 648pt; position: var(--position); top: 41.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.91pt;"></span></span><span style="left: 56.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-944" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1159">29,070</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 735pt; position: var(--position); top: 41.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 62.48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 62.48pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-945" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1160">6.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.75pt;"></span></span><span style="left: 78.50999999999999pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 822pt; position: var(--position); top: 41.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 62.48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 62.48pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-946" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1161">2.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.75pt;"></span></span><span style="left: 78.50999999999999pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 41.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 57.42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-947" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1162">91.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.75pt;"></span></span><span style="left: 78.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Business lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 55.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.85pt;"></span></span><span style="left: 51.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-948" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1163">363,826</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 55.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.85pt;"></span></span><span style="left: 51.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-949" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1164">162,491</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 474pt; position: var(--position); top: 55.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.91pt;"></span></span><span style="left: 56.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-950" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1165">26,333</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 561pt; position: var(--position); top: 55.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.85pt;"></span></span><span style="left: 51.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-951" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1166">115,944</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 648pt; position: var(--position); top: 55.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.85pt;"></span></span><span style="left: 51.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-952" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1167">428,531</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 735pt; position: var(--position); top: 55.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 57.42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-953" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1168">35.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.75pt;"></span></span><span style="left: 78.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 822pt; position: var(--position); top: 55.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 57.42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-954" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1169">22.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.75pt;"></span></span><span style="left: 78.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 55.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 57.42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-955" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1170">42.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.75pt;"></span></span><span style="left: 78.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment and money market<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 69.75pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.85pt;"></span></span><span style="left: 51.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-956" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1171">158,506</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 69.75pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.37pt;"></span></span><span style="left: 84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-957" xsi:nil="true" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" id="f-1172"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 474pt; position: var(--position); top: 69.75pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.37pt;"></span></span><span style="left: 84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-958" xsi:nil="true" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" id="f-1173"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 561pt; position: var(--position); top: 69.75pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.97pt;"></span></span><span style="left: 61.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-959" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1174">1,040</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 648pt; position: var(--position); top: 69.75pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.19pt;"></span></span><span style="left: 68.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-960" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" scale="6" id="f-1175">549</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 735pt; position: var(--position); top: 69.75pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 57.42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-961" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1176">99.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.75pt;"></span></span><span style="left: 78.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 822pt; position: var(--position); top: 69.75pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 62.48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 62.48pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-962" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1177">0.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.75pt;"></span></span><span style="left: 78.50999999999999pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 69.75pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 62.48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 62.48pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-963" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1178">0.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.75pt;"></span></span><span style="left: 78.50999999999999pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total lending, investment and money market<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 84pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.77pt;"></span></span><span style="left: 50.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-964" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1179">882,455</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 84pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.77pt;"></span></span><span style="left: 50.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-965" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1180">967,485</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 474pt; position: var(--position); top: 84pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.01pt;"></span></span><span style="left: 55.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-966" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1181">48,735</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 561pt; position: var(--position); top: 84pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.77pt;"></span></span><span style="left: 50.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-967" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1182">142,252</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 648pt; position: var(--position); top: 84pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.77pt;"></span></span><span style="left: 50.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-968" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1183">458,149</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 735pt; position: var(--position); top: 84pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 56.88pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.88pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-969" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1184">34.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span><span style="left: 77.80000000000001pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 822pt; position: var(--position); top: 84pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 56.88pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.88pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-970" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1185">10.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span><span style="left: 77.80000000000001pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 84pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 56.88pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.88pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-971" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1186">55.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span><span style="left: 77.80000000000001pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">of which NPL<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 98.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.01pt;"></span></span><span style="left: 55.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-972" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1187">11,653</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 98.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.25pt;"></span></span><span style="left: 60.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-973" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1188">8,880</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 474pt; position: var(--position); top: 98.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.25pt;"></span></span><span style="left: 60.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-974" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1189">1,609</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 561pt; position: var(--position); top: 98.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.25pt;"></span></span><span style="left: 60.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-975" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1190">3,204</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 648pt; position: var(--position); top: 98.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.25pt;"></span></span><span style="left: 60.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-976" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1191">9,241</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 735pt; position: var(--position); top: 98.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 56.88pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.88pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-977" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1192">25.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span><span style="left: 77.80000000000001pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 822pt; position: var(--position); top: 98.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 56.88pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.88pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-978" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1193">26.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span><span style="left: 77.80000000000001pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 98.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 56.88pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.88pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-979" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1194">47.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span><span style="left: 77.80000000000001pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 112.5pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Pre-settlement<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 112.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.91pt;"></span></span><span style="left: 56.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-980" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1195">49,096</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 126.75pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total Group<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 126.75pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.77pt;"></span></span><span style="left: 50.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1196">931,552</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-1154-1"><div style="position: var(--position); top: 210.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 300pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 71.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 89.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 89.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 89.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 89.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 89.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 89.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 89.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 996pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 996pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Cover values including guarantees received (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 14.25pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 300pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="4" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 371.25pt; position: var(--position); top: 14.25pt; width: 357pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 357pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 136.04pt; position: var(--position); text-decoration: none; white-space: pre;">Cover type and value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 728.25pt; position: var(--position); top: 14.25pt; width: 267.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 267.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 101.46pt; position: var(--position); text-decoration: none; white-space: pre;">Collateralisation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 26.25pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 26.25pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 371.25pt; position: var(--position); top: 26.25pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Mortgages<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 26.25pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Collateral<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 26.25pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Guarantees<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 26.25pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other covers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 728.25pt; position: var(--position); top: 26.25pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">No Cover<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 817.5pt; position: var(--position); top: 26.25pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Partially covered<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 906.75pt; position: var(--position); top: 26.25pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fully covered<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 40.5pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Consumer lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 40.5pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.1pt;"></span></span><span style="left: 35.730000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-981" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1197">353,323</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 371.25pt; position: var(--position); top: 40.5pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.1pt;"></span></span><span style="left: 53.730000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-982" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1198">700,961</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 86.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 40.5pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.22pt;"></span></span><span style="left: 63.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-983" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1199">5,626</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 86.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 40.5pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.16pt;"></span></span><span style="left: 58.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-984" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1200">24,231</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 86.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 40.5pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.16pt;"></span></span><span style="left: 58.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-985" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1201">42,817</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 86.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 728.25pt; position: var(--position); top: 40.5pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 67.77pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.77pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-986" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1202">6.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 80.75999999999999pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 817.5pt; position: var(--position); top: 40.5pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 67.77pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.77pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-987" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1203">7.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 80.75999999999999pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 906.75pt; position: var(--position); top: 40.5pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 62.71pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 62.71pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-988" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1204">86.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 80.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 54.75pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Business lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 54.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.1pt;"></span></span><span style="left: 35.730000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-989" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1205">379,405</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 371.25pt; position: var(--position); top: 54.75pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.1pt;"></span></span><span style="left: 53.730000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-990" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1206">167,122</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 86.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 54.75pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.16pt;"></span></span><span style="left: 58.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-991" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1207">29,501</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 86.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 54.75pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.1pt;"></span></span><span style="left: 53.730000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-992" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1208">118,294</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 86.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 54.75pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.1pt;"></span></span><span style="left: 53.730000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-993" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1209">438,864</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 86.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 728.25pt; position: var(--position); top: 54.75pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 62.71pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 62.71pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-994" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1210">37.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 80.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 817.5pt; position: var(--position); top: 54.75pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 62.71pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 62.71pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-995" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1211">22.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 80.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 906.75pt; position: var(--position); top: 54.75pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 62.71pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 62.71pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-996" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1212">40.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 80.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment and money market<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 69pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.1pt;"></span></span><span style="left: 35.730000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-997" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1213">141,432</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 371.25pt; position: var(--position); top: 69pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.62pt;"></span></span><span style="left: 86.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 86.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-998" xsi:nil="true" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" id="f-1214"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 69pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78.56pt;"></span></span><span style="left: 81.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-999" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" scale="6" id="f-1215">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 86.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 69pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.22pt;"></span></span><span style="left: 63.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1000" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1216">1,213</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 86.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 69pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78.56pt;"></span></span><span style="left: 81.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1001" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" scale="6" id="f-1217">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 86.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 728.25pt; position: var(--position); top: 69pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 62.71pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 62.71pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1002" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1218">99.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 80.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 817.5pt; position: var(--position); top: 69pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 67.77pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.77pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1003" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1219">0.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 80.75999999999999pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 906.75pt; position: var(--position); top: 69pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 67.77pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.77pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1004" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1220">0.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 80.75999999999999pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 83.25pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total lending, investment and money market<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 83.25pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.02pt;"></span></span><span style="left: 34.650000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1005" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1221">874,160</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 68.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 371.25pt; position: var(--position); top: 83.25pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.02pt;"></span></span><span style="left: 52.650000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1006" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1222">868,083</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 86.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 83.25pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.26pt;"></span></span><span style="left: 57.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1007" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1223">35,132</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 86.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 83.25pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.02pt;"></span></span><span style="left: 52.650000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1008" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1224">143,738</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 86.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 83.25pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.02pt;"></span></span><span style="left: 52.650000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1009" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1225">481,683</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 86.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 728.25pt; position: var(--position); top: 83.25pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 62.17pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 62.17pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1010" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1226">34.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.05pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 817.5pt; position: var(--position); top: 83.25pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 62.17pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 62.17pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1011" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1227">12.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.05pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 906.75pt; position: var(--position); top: 83.25pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 62.17pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 62.17pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1012" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1228">52.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.05pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 97.5pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">of which NPL<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 97.5pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.26pt;"></span></span><span style="left: 39.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1013" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1229">11,637</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 68.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 371.25pt; position: var(--position); top: 97.5pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.5pt;"></span></span><span style="left: 63.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1014" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1230">7,738</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 86.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 97.5pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.5pt;"></span></span><span style="left: 63.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1015" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1231">1,007</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 86.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 97.5pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.5pt;"></span></span><span style="left: 63.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1016" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1232">3,648</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 86.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 97.5pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.5pt;"></span></span><span style="left: 63.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1017" decimals="-6" name="ing:AmountByCoverInstrumentsMitigateMaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1233">3,045</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 86.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 728.25pt; position: var(--position); top: 97.5pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 62.17pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 62.17pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1018" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1234">25.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.05pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 817.5pt; position: var(--position); top: 97.5pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 62.17pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 62.17pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1019" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1235">25.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.05pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 906.75pt; position: var(--position); top: 97.5pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 89.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 62.17pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 62.17pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1020" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1236">49.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.05pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 111.75pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Pre-settlement<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 111.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.16pt;"></span></span><span style="left: 40.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1021" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1237">63,901</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 126pt; width: 300pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 300pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 126pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.02pt;"></span></span><span style="left: 34.650000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:MaximumExposureToCreditRisk" format="ixt:num-dot-decimal" scale="6" id="f-1238">938,061</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 68.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 371.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Excluding the pre-settlement portfolio<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 210.19pt; position: var(--position); text-decoration: none; white-space: pre;">, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 215.1pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-971" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1239">55.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 243.01pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 276.12pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1012" decimals="3" name="ing:PercentageOfLoanToValue" scale="-2" id="f-1240">52.3</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 304.03pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 309.71000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">of ING&#8217;s outstandings were fully collateralised in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 383.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023. Since investments traditionally do not require covers, the percentage for &#8216;no covers&#8217; in this portfolio is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">above<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 67.18pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.68pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-20" decimals="2" name="ing:PercentageForNoCovers" scale="-2" id="f-1241">95</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 89.55pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 94.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">However,<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 136.04pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 138.54pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-407" decimals="2" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1242">99</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 158.41pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 160.91pt; position: var(--position); text-decoration: none; white-space: pre;">of the investment outstanding is investment grade. Improved economic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">conditions in ING&#8217;s main markets contributed to improved collateral valuations, observed in consumer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">lending. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 448.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consumer lending portfolio (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The consumer lending portfolio accounts for<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 237.60999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 240.10999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="ing:PercentageOfResidentialMortgageOustandings" scale="-2" id="f-1243">38.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 268.02pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 301.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-23" decimals="3" name="ing:PercentageOfResidentialMortgageOustandings" scale="-2" id="f-1244">37.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 329.03999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 334.72pt; position: var(--position); text-decoration: none; white-space: pre;">of ING&#8217;s total outstanding, primarily <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consisting of residential mortgage loans and other consumer lending loans. As a result, most collateral <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consists of mortgages. Mortgage values are collected in an internal central database and in most cases <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">external data is used to index the market value. A significant part of ING&#8217;s residential mortgage portfolio is in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 514.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 112.25pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 117.92999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1022" decimals="3" name="ing:PercentageOfResidentialMortgageOustandings" scale="-2" id="f-1245">34.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 145.84pt; position: var(--position); text-decoration: none; white-space: pre;">), <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 153.93pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 195.88pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 201.56pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1023" decimals="3" name="ing:PercentageOfResidentialMortgageOustandings" scale="-2" id="f-1246">28.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 229.47pt; position: var(--position); text-decoration: none; white-space: pre;">), <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 237.56pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium including Luxembourg<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 376.12pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 381.79999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1024" decimals="3" name="ing:PercentageOfResidentialMortgageOustandings" scale="-2" id="f-1247">13.3</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 409.71000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 415.39pt; position: var(--position); text-decoration: none; white-space: pre;">and Australia<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 474.98pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 480.65999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1025" decimals="3" name="ing:PercentageOfResidentialMortgageOustandings" scale="-2" id="f-1248">10.9</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 508.57000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 526.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Note that the large increase in Financial Collateral and decrease in Other covers is related to a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 538.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reclassification of certain cover types. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 388.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Business lending portfolio (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Business lending accounts for<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 687.28pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 689.78pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1026" decimals="3" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1249">39.1</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 717.6899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 750.8pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1027" decimals="3" name="ing:PercentageOfNetOutstandings" scale="-2" id="f-1250">40.4</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 778.71pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 784.39pt; position: var(--position); text-decoration: none; white-space: pre;">of ING&#8217;s total outstanding. Business lending presented in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">this section does not include pre-settlement, investment and money market exposures.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">173<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-117-13" continuedAt="f-117-14"><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Credit quality (*)<span style="display: inline-block; height: 10.5pt;"></span></span></div></ix:continuation><div style="position: var(--position); top: 87.71pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 133.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 74.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 74.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 101.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 101.25pt;"/></tr><tr style="height: 12.75pt;"><td colspan="5" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 1.25pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Credit risk ratings<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 133.5pt; position: var(--position); top: 12.75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Regular<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207.75pt; position: var(--position); top: 12.75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Watch List<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282pt; position: var(--position); top: 12.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Restructuring&#160; <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 61.25pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 383.25pt; position: var(--position); top: 12.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-performing&#160; <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 72.03pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 133.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 133.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Possible ratings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 133.5pt; position: var(--position); top: 27pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1&#8211;19<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207.75pt; position: var(--position); top: 27pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1&#8211;19<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282pt; position: var(--position); top: 27pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">11&#8211;20<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 383.25pt; position: var(--position); top: 27pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">20-22<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 133.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 133.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Typical ratings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 133.5pt; position: var(--position); top: 41.25pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1&#8211;14<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207.75pt; position: var(--position); top: 41.25pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">15&#8211;17<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282pt; position: var(--position); top: 41.25pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">18&#8211;20<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 383.25pt; position: var(--position); top: 41.25pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">20-22<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 133.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 133.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deterioration in risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 133.5pt; position: var(--position); top: 55.5pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Not significant<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207.75pt; position: var(--position); top: 55.5pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Significant<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282pt; position: var(--position); top: 55.5pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Significant<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 383.25pt; position: var(--position); top: 55.5pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Significant<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 133.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 133.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Significant intervention<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 133.5pt; position: var(--position); top: 69.75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Not required<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207.75pt; position: var(--position); top: 69.75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Not required<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282pt; position: var(--position); top: 69.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Required<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 383.25pt; position: var(--position); top: 69.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Required<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 133.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 133.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Account ownership<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 133.5pt; position: var(--position); top: 84pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Front office<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207.75pt; position: var(--position); top: 84pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Front office<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282pt; position: var(--position); top: 84pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Front office<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 383.25pt; position: var(--position); top: 84pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Front office<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 133.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 133.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit Risk Management<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 133.5pt; position: var(--position); top: 98.25pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Regular<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207.75pt; position: var(--position); top: 98.25pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Regular<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282pt; position: var(--position); top: 98.25pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit Restructuring<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 383.25pt; position: var(--position); top: 98.25pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit Restructuring<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 112.5pt; width: 133.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 133.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Primary manager<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 133.5pt; position: var(--position); top: 112.5pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Front office<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207.75pt; position: var(--position); top: 112.5pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Front office<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282pt; position: var(--position); top: 112.5pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit restructuring<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 383.25pt; position: var(--position); top: 112.5pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit restructuring<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 126.75pt; width: 133.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 133.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Accounting provisioning<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 133.5pt; position: var(--position); top: 126.75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 1/2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207.75pt; position: var(--position); top: 126.75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282pt; position: var(--position); top: 126.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 2/3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 383.25pt; position: var(--position); top: 126.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="5" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 141pt; width: 484.5pt;"><div><div style="line-height: 8pt; position: var(--position); top: 2.94pt; width: 484.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1&#160;  Restructuring can be performing and non-performing; reference&#160; is made to the Credit restructuring section.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position: var(--position); top: 261.47pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:InformationAboutCreditQualityOfFinancialAssetsTableTextBlock" id="f-1251" escape="true"><ix:continuation id="f-117-14" continuedAt="f-117-15"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 364.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Credit quality outstandings&#160; (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 364.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 364.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 364.5pt; position: var(--position); top: 14.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 36.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 424.5pt; position: var(--position); top: 14.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 36.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 364.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 364.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Performing not past due<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.1pt;"></span></span><span style="left: 26.73pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1028" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1252">795,942</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 424.5pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.1pt;"></span></span><span style="left: 26.73pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1029" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1253">799,990</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 364.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 364.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Business lending performing past due<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.22pt;"></span></span><span style="left: 36.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1030" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1254">8,825</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 424.5pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.22pt;"></span></span><span style="left: 36.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1031" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1255">7,659</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 364.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 364.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Consumer lending performing past due<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.44pt;"></span></span><span style="left: 44.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1032" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1256">846</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 424.5pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.44pt;"></span></span><span style="left: 44.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1033" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1257">780</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 364.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 364.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.16pt;"></span></span><span style="left: 31.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1034" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1258">11,653</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 424.5pt; position: var(--position); top: 69.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.16pt;"></span></span><span style="left: 31.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1035" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1259">11,691</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 364.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 364.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total lending and investment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.02pt;"></span></span><span style="left: 25.65pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1036" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1260">817,266</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 424.5pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.02pt;"></span></span><span style="left: 25.65pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1037" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1261">820,120</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 364.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 364.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Money market<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.26pt;"></span></span><span style="left: 30.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1038" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1262">65,189</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 424.5pt; position: var(--position); top: 98.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.26pt;"></span></span><span style="left: 30.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1039" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1263">54,039</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 112.5pt; width: 364.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 364.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Pre-settlement<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.26pt;"></span></span><span style="left: 30.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1040" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1264">49,096</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 424.5pt; position: var(--position); top: 112.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.26pt;"></span></span><span style="left: 30.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1041" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1265">63,901</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 126.75pt; width: 364.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 364.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.02pt;"></span></span><span style="left: 25.65pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1042" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1266">931,552</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 424.5pt; position: var(--position); top: 126.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.02pt;"></span></span><span style="left: 25.65pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1043" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1267">938,061</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-117-15" continuedAt="f-117-16"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Past due obligations (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking measures its portfolio in terms of payment arrears and determines on a monthly basis if <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">there are any significant changes in the level of arrears. This methodology is applicable to private <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">individuals, as well as business lending. An obligation is considered &#8216;past due&#8217; if a payment of interest or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">principal is more than one day late. ING aims to help its customers as soon as they are past due by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reminding them of their payment obligations. In its contact with the customers, ING aims to solve the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 143.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(potential) financial difficulties by offering a range of measures (e.g. payment arrangements, restructuring). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 155.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">If the issues cannot be cured, for example because the customer is unable or unwilling to pay, the contract <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">is sent to the recovery unit. The facility is downgraded to risk rating 20 (non-performing) when the facility or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 179.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">obligor &#8211; depending on the level at which the non-performing status is applied &#8211; is more than 90 days past <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 191.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">due and to risk rating 21 or 22 in case of an exit scenario.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING has aligned the regulatory concept of non-performing with that of the definition of default. Hence, in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 230.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">WB, obligors are classified as non-performing when a default trigger occurs:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 242.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">ING believes the borrower is unlikely to pay. The borrower has evidenced significant financial difficulty, to <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 255.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">the extent that it will have a negative impact on the future cash flows of the financial asset. The <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 267.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">following events could be seen as indicators of financial difficulty:<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 280.71pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 569.2199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">The borrower (or third party) has started insolvency proceedings;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 293.51pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 569.2199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">A group company/co-borrower has NPL status;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 306.31pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 569.2199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">Indication of fraud (affecting the company&#8217;s ability to service its debt);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 319.11pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 569.2199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">There is doubt as to the borrower&#8217;s ability to generate stable and sufficient cash flows to service its <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">debt;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 344.71pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 569.2199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">Restructuring of debt.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 357.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">ING has granted concessions relating to the borrower&#8217;s financial difficulty, the effect of which is a <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">reduction in expected future cash flows of the financial asset below current carrying amount.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 383.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">The obligor has failed in the payment of principal, interest or fees, the total past due amount is above the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">materiality threshold and this remains the case for more than 90 consecutive days.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Further, WB has an individual name approach, using early warning indicators to signal possible future issues <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in debt service. <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">174<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-16" continuedAt="f-117-17"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:AgingAnalysisPastDueButPerformingExplanatoryTableTextBlock" id="f-1268" continuedAt="f-1268-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 68.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 72.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 101.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 113.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 113.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 93.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 101.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 117pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 117pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 101.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="10" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Ageing analysis (past due but performing): Consumer lending portfolio by geographic area, outstandings (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 141pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 141pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="4" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 141pt; position: var(--position); top: 14.25pt; width: 421.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 421.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 397.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="4" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 562.5pt; position: var(--position); top: 14.25pt; width: 436.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 436.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 412.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 141pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 141pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Region<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 141pt; position: var(--position); top: 27pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.89pt; position: var(--position); text-decoration: none; white-space: pre;">Past due for 1&#8211;30 days<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 242.25pt; position: var(--position); top: 27pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.83pt; position: var(--position); text-decoration: none; white-space: pre;">Past due for 31&#8211;60 days<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 355.5pt; position: var(--position); top: 27pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.83pt; position: var(--position); text-decoration: none; white-space: pre;">Past due for 61&#8211;90 days<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 468.75pt; position: var(--position); top: 27pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 71.05pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 562.5pt; position: var(--position); top: 27pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.89pt; position: var(--position); text-decoration: none; white-space: pre;">Past due for 1&#8211;30 days<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663.75pt; position: var(--position); top: 27pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.58pt; position: var(--position); text-decoration: none; white-space: pre;">Past due for 31&#8211;60 days<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 780.75pt; position: var(--position); top: 27pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.58pt; position: var(--position); text-decoration: none; white-space: pre;">Past due for 61&#8211;90 days<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897.75pt; position: var(--position); top: 27pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 78.55pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="7" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 89.25pt; left: 0pt; position: var(--position); top: 39.75pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 40.69pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 68.25pt; position: var(--position); top: 39.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 141pt; position: var(--position); top: 39.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.44pt;"></span></span><span style="left: 83.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1044" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1269">223</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 242.25pt; position: var(--position); top: 39.75pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.5pt;"></span></span><span style="left: 100.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1045" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1270">43</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 355.5pt; position: var(--position); top: 39.75pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.5pt;"></span></span><span style="left: 100.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1046" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1271">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 468.75pt; position: var(--position); top: 39.75pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.94pt;"></span></span><span style="left: 75.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1047" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1272">295</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 562.5pt; position: var(--position); top: 39.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.44pt;"></span></span><span style="left: 83.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1048" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1273">294</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663.75pt; position: var(--position); top: 39.75pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.25pt;"></span></span><span style="left: 103.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1049" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1274">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 780.75pt; position: var(--position); top: 39.75pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.25pt;"></span></span><span style="left: 103.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1050" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1275">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897.75pt; position: var(--position); top: 39.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.44pt;"></span></span><span style="left: 83.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1051" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1276">339</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 68.25pt; position: var(--position); top: 52.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 141pt; position: var(--position); top: 52.5pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1052" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1277">89</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 242.25pt; position: var(--position); top: 52.5pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.5pt;"></span></span><span style="left: 100.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1053" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1278">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 355.5pt; position: var(--position); top: 52.5pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.5pt;"></span></span><span style="left: 100.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1054" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1279">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 468.75pt; position: var(--position); top: 52.5pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.94pt;"></span></span><span style="left: 75.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1055" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1280">147</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 562.5pt; position: var(--position); top: 52.5pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1056" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1281">68</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663.75pt; position: var(--position); top: 52.5pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.25pt;"></span></span><span style="left: 103.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1057" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1282">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 780.75pt; position: var(--position); top: 52.5pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.25pt;"></span></span><span style="left: 103.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1058" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1283">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897.75pt; position: var(--position); top: 52.5pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.44pt;"></span></span><span style="left: 83.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1059" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1284">116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 68.25pt; position: var(--position); top: 65.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Poland<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 141pt; position: var(--position); top: 65.25pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1060" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1285">76</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 242.25pt; position: var(--position); top: 65.25pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 102.56pt;"></span></span><span style="left: 105.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1061" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1286">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 355.5pt; position: var(--position); top: 65.25pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 102.56pt;"></span></span><span style="left: 105.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1062" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1287">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 468.75pt; position: var(--position); top: 65.25pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78pt;"></span></span><span style="left: 80.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1063" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1288">89</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 562.5pt; position: var(--position); top: 65.25pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1064" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1289">59</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663.75pt; position: var(--position); top: 65.25pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.31pt;"></span></span><span style="left: 108.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1065" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1290">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 780.75pt; position: var(--position); top: 65.25pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.31pt;"></span></span><span style="left: 108.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1066" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1291">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897.75pt; position: var(--position); top: 65.25pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1067" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1292">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 68.25pt; position: var(--position); top: 78pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 141pt; position: var(--position); top: 78pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1068" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1293">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 242.25pt; position: var(--position); top: 78pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.5pt;"></span></span><span style="left: 100.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1069" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1294">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 355.5pt; position: var(--position); top: 78pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 102.56pt;"></span></span><span style="left: 105.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1070" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1295">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 468.75pt; position: var(--position); top: 78pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78pt;"></span></span><span style="left: 80.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1071" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1296">97</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 562.5pt; position: var(--position); top: 78pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1072" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1297">36</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663.75pt; position: var(--position); top: 78pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.25pt;"></span></span><span style="left: 103.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1073" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1298">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 780.75pt; position: var(--position); top: 78pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.31pt;"></span></span><span style="left: 108.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1074" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1299">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897.75pt; position: var(--position); top: 78pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1075" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1300">51</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 68.25pt; position: var(--position); top: 90.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Luxembourg<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 141pt; position: var(--position); top: 90.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1076" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1301">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 242.25pt; position: var(--position); top: 90.75pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 102.56pt;"></span></span><span style="left: 105.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1077" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1302">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 355.5pt; position: var(--position); top: 90.75pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 102.56pt;"></span></span><span style="left: 105.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1078" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1303">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 468.75pt; position: var(--position); top: 90.75pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78pt;"></span></span><span style="left: 80.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1079" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1304">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 562.5pt; position: var(--position); top: 90.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1080" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1305">43</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663.75pt; position: var(--position); top: 90.75pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.31pt;"></span></span><span style="left: 108.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1081" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1306">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 780.75pt; position: var(--position); top: 90.75pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.31pt;"></span></span><span style="left: 108.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1082" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1307">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897.75pt; position: var(--position); top: 90.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1083" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1308">48</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 68.25pt; position: var(--position); top: 103.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Spain<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 141pt; position: var(--position); top: 103.5pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1084" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1309">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 242.25pt; position: var(--position); top: 103.5pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.5pt;"></span></span><span style="left: 100.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1085" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1310">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 355.5pt; position: var(--position); top: 103.5pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 102.56pt;"></span></span><span style="left: 105.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1086" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1311">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 468.75pt; position: var(--position); top: 103.5pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78pt;"></span></span><span style="left: 80.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1087" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1312">38</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 562.5pt; position: var(--position); top: 103.5pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1088" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1313">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663.75pt; position: var(--position); top: 103.5pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.31pt;"></span></span><span style="left: 108.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1089" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1314">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 780.75pt; position: var(--position); top: 103.5pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.31pt;"></span></span><span style="left: 108.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1090" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1315">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897.75pt; position: var(--position); top: 103.5pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1091" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1316">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 68.25pt; position: var(--position); top: 116.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 141pt; position: var(--position); top: 116.25pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1092" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1317">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 242.25pt; position: var(--position); top: 116.25pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.5pt;"></span></span><span style="left: 100.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1093" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1318">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 355.5pt; position: var(--position); top: 116.25pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.5pt;"></span></span><span style="left: 100.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1094" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1319">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 468.75pt; position: var(--position); top: 116.25pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78pt;"></span></span><span style="left: 80.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1095" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1320">94</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 562.5pt; position: var(--position); top: 116.25pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1096" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1321">62</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663.75pt; position: var(--position); top: 116.25pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.25pt;"></span></span><span style="left: 103.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1097" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1322">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 780.75pt; position: var(--position); top: 116.25pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.31pt;"></span></span><span style="left: 108.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1098" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1323">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897.75pt; position: var(--position); top: 116.25pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1099" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1324">86</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 129pt; width: 141pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 141pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">America<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 141pt; position: var(--position); top: 129pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 90.56pt;"></span></span><span style="left: 93.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1100" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1325">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 242.25pt; position: var(--position); top: 129pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 107.62pt;"></span></span><span style="left: 110.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1101" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1326"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 355.5pt; position: var(--position); top: 129pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 107.62pt;"></span></span><span style="left: 110.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1102" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1327"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 468.75pt; position: var(--position); top: 129pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.06pt;"></span></span><span style="left: 85.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1103" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1328">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 562.5pt; position: var(--position); top: 129pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 90.56pt;"></span></span><span style="left: 93.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1104" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1329">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663.75pt; position: var(--position); top: 129pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 111.37pt;"></span></span><span style="left: 114pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1105" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1330"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 780.75pt; position: var(--position); top: 129pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 111.37pt;"></span></span><span style="left: 114pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1106" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1331"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897.75pt; position: var(--position); top: 129pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 90.56pt;"></span></span><span style="left: 93.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1107" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1332">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 141.75pt; width: 141pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 141pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Asia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 141pt; position: var(--position); top: 141.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 95.62pt;"></span></span><span style="left: 98.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1108" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1333"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 242.25pt; position: var(--position); top: 141.75pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 107.62pt;"></span></span><span style="left: 110.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1109" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1334"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 355.5pt; position: var(--position); top: 141.75pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 107.62pt;"></span></span><span style="left: 110.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1110" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1335"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 468.75pt; position: var(--position); top: 141.75pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.06pt;"></span></span><span style="left: 85.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1111" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1336">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 562.5pt; position: var(--position); top: 141.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 95.62pt;"></span></span><span style="left: 98.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1112" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1337"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663.75pt; position: var(--position); top: 141.75pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 111.37pt;"></span></span><span style="left: 114pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1113" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1338"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 780.75pt; position: var(--position); top: 141.75pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 111.37pt;"></span></span><span style="left: 114pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1114" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1339"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897.75pt; position: var(--position); top: 141.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 95.62pt;"></span></span><span style="left: 98.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1115" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1340"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 154.5pt; width: 141pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 141pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Australia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 141pt; position: var(--position); top: 154.5pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1116" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1341">43</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 242.25pt; position: var(--position); top: 154.5pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.5pt;"></span></span><span style="left: 100.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1117" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1342">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 355.5pt; position: var(--position); top: 154.5pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 102.56pt;"></span></span><span style="left: 105.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1118" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1343">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 110.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 468.75pt; position: var(--position); top: 154.5pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78pt;"></span></span><span style="left: 80.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1119" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1344">59</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 562.5pt; position: var(--position); top: 154.5pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1120" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1345">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663.75pt; position: var(--position); top: 154.5pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.25pt;"></span></span><span style="left: 103.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1121" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1346">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 780.75pt; position: var(--position); top: 154.5pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.31pt;"></span></span><span style="left: 108.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1122" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1347">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 114pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897.75pt; position: var(--position); top: 154.5pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.5pt;"></span></span><span style="left: 88.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1123" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1348">42</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 98.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 167.25pt; width: 141pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 141pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 141pt; position: var(--position); top: 167.25pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.9pt;"></span></span><span style="left: 82.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1124" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1349">602</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 98.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 242.25pt; position: var(--position); top: 167.25pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 91.9pt;"></span></span><span style="left: 94.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1125" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1350">164</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 110.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 355.5pt; position: var(--position); top: 167.25pt; width: 113.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 113.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.14pt;"></span></span><span style="left: 99.77pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1126" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1351">79</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 110.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 468.75pt; position: var(--position); top: 167.25pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.4pt;"></span></span><span style="left: 75.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1127" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1352">846</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 90.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 562.5pt; position: var(--position); top: 167.25pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.9pt;"></span></span><span style="left: 82.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1128" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1353">604</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 98.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663.75pt; position: var(--position); top: 167.25pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 95.65pt;"></span></span><span style="left: 98.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1129" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1354">119</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 114.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 780.75pt; position: var(--position); top: 167.25pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 100.89pt;"></span></span><span style="left: 103.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1130" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1355">57</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 114.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897.75pt; position: var(--position); top: 167.25pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.9pt;"></span></span><span style="left: 82.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1131" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1356">780</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 98.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 264.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The past due but performing consumer lending outstanding increased by<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 367.1pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 375.23pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1132" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-1357">66</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 386.49pt; position: var(--position); text-decoration: none; white-space: pre;"> million, mainly due to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increase in 31-60 (+&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 133.79pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1133" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-1358">45</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 145.05pt; position: var(--position); text-decoration: none; white-space: pre;"> million) and 61-90 (+&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 246.09pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1134" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-1359">22</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 257.35pt; position: var(--position); text-decoration: none; white-space: pre;"> million). <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 297.87pt; position: var(--position); text-decoration: none; white-space: pre;">The largest increase was observed in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 94.83pt; position: var(--position); text-decoration: none; white-space: pre;"> (+&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 111.77pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1135" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-1360">47</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 123.03pt; position: var(--position); text-decoration: none; white-space: pre;"> million) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 161.14pt; position: var(--position); text-decoration: none; white-space: pre;">and Germany<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 222.83pt; position: var(--position); text-decoration: none; white-space: pre;"> (+&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 239.77pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1136" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-1361">31</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 251.03pt; position: var(--position); text-decoration: none; white-space: pre;"> million) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 289.14pt; position: var(--position); text-decoration: none; white-space: pre;">mainly in the 1-30-day bucket; the largest decrease <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">was seen in Belgium<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 130.92000000000002pt; position: var(--position); text-decoration: none; white-space: pre;"> (-&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 145.95999999999998pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1137" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-1362">44</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 157.22pt; position: var(--position); text-decoration: none; white-space: pre;"> million) driven by the decrease in the 1-30 bucket.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 327.91pt; width: 1080pt;"><ix:continuation id="f-1268-1"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 65.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 72.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 106.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 106.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 74.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 100.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 104.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 104.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 94.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 69pt;"/></tr><tr style="height: 14.25pt;"><td colspan="11" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Ageing analysis (past due but performing): Business lending portfolio by geographic area, outstandings (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 138pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="4" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 138pt; position: var(--position); top: 14.25pt; width: 389.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 389.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 365.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="5" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 527.25pt; position: var(--position); top: 14.25pt; width: 472.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 472.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 448.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 27pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Region<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 138pt; position: var(--position); top: 27pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.64pt; position: var(--position); text-decoration: none; white-space: pre;">Past due for 1&#8211;30 days<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 240pt; position: var(--position); top: 27pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.08pt; position: var(--position); text-decoration: none; white-space: pre;">Past due for 31&#8211;60 days<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 346.5pt; position: var(--position); top: 27pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.08pt; position: var(--position); text-decoration: none; white-space: pre;">Past due for 61&#8211;90 days<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 453pt; position: var(--position); top: 27pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 51.55pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 527.25pt; position: var(--position); top: 27pt; width: 100.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 100.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.14pt; position: var(--position); text-decoration: none; white-space: pre;">Past due for 1&#8211;30 days<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 627.75pt; position: var(--position); top: 27pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.83pt; position: var(--position); text-decoration: none; white-space: pre;">Past due for 31&#8211;60 days<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 732pt; position: var(--position); top: 27pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.83pt; position: var(--position); text-decoration: none; white-space: pre;">Past due for 61&#8211;90 days<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 836.25pt; position: var(--position); top: 27pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.58pt; position: var(--position); text-decoration: none; white-space: pre;">Past due for &gt;90 days<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 930.75pt; position: var(--position); top: 27pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 46.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="8" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 96pt; left: 0pt; position: var(--position); top: 39pt; width: 65.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 44.06pt; width: 65.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 65.25pt; position: var(--position); top: 39pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 138pt; position: var(--position); top: 39pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.19pt;"></span></span><span style="left: 83.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1138" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1363">929</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 240pt; position: var(--position); top: 39pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 90.75pt;"></span></span><span style="left: 93.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1139" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1364">98</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 346.5pt; position: var(--position); top: 39pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 90.75pt;"></span></span><span style="left: 93.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1140" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1365">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 453pt; position: var(--position); top: 39pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.22pt;"></span></span><span style="left: 48.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1141" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1366">1,037</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 527.25pt; position: var(--position); top: 39pt; width: 100.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 100.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.69pt;"></span></span><span style="left: 82.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1142" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1367">579</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 97.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 627.75pt; position: var(--position); top: 39pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.5pt;"></span></span><span style="left: 91.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1143" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1368">49</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 732pt; position: var(--position); top: 39pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.5pt;"></span></span><span style="left: 91.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1144" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1369">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 836.25pt; position: var(--position); top: 39pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.87pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1145" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1370"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 930.75pt; position: var(--position); top: 39pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.19pt;"></span></span><span style="left: 50.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1146" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1371">639</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 65.25pt; position: var(--position); top: 51pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">United Kingdom<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 138pt; position: var(--position); top: 51pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.19pt;"></span></span><span style="left: 83.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1147" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1372">623</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 240pt; position: var(--position); top: 51pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.69pt;"></span></span><span style="left: 88.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1148" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1373">659</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 346.5pt; position: var(--position); top: 51pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.69pt;"></span></span><span style="left: 88.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1149" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1374">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 453pt; position: var(--position); top: 51pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.22pt;"></span></span><span style="left: 48.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1150" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1375">1,410</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 527.25pt; position: var(--position); top: 51pt; width: 100.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 100.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.47pt;"></span></span><span style="left: 75.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1151" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1376">1,147</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 97.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 627.75pt; position: var(--position); top: 51pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.5pt;"></span></span><span style="left: 91.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1152" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1377">77</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 732pt; position: var(--position); top: 51pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.44pt;"></span></span><span style="left: 86.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1153" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1378">512</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 836.25pt; position: var(--position); top: 51pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.87pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1154" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1379"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 930.75pt; position: var(--position); top: 51pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.97pt;"></span></span><span style="left: 43.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1155" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1380">1,736</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 65.25pt; position: var(--position); top: 63pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Luxembourg<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 138pt; position: var(--position); top: 63pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.19pt;"></span></span><span style="left: 83.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1156" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1381">577</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 240pt; position: var(--position); top: 63pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 95.81pt;"></span></span><span style="left: 98.44pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1157" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1382">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 346.5pt; position: var(--position); top: 63pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 90.75pt;"></span></span><span style="left: 93.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1158" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1383">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 453pt; position: var(--position); top: 63pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.44pt;"></span></span><span style="left: 56.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1159" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1384">596</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 527.25pt; position: var(--position); top: 63pt; width: 100.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 100.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.69pt;"></span></span><span style="left: 82.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1160" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1385">302</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 97.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 627.75pt; position: var(--position); top: 63pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 93.56pt;"></span></span><span style="left: 96.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1161" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1386">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 732pt; position: var(--position); top: 63pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 98.62pt;"></span></span><span style="left: 101.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1162" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1387"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 836.25pt; position: var(--position); top: 63pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.87pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1163" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1388"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 930.75pt; position: var(--position); top: 63pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.19pt;"></span></span><span style="left: 50.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1164" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1389">303</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 65.25pt; position: var(--position); top: 75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 138pt; position: var(--position); top: 75pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.19pt;"></span></span><span style="left: 83.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1165" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1390">509</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 240pt; position: var(--position); top: 75pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 90.75pt;"></span></span><span style="left: 93.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1166" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1391">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 346.5pt; position: var(--position); top: 75pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 90.75pt;"></span></span><span style="left: 93.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1167" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1392">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 453pt; position: var(--position); top: 75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.44pt;"></span></span><span style="left: 56.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1168" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1393">531</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 527.25pt; position: var(--position); top: 75pt; width: 100.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 100.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.69pt;"></span></span><span style="left: 82.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1169" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1394">730</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 97.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 627.75pt; position: var(--position); top: 75pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.5pt;"></span></span><span style="left: 91.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1170" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1395">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 732pt; position: var(--position); top: 75pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.5pt;"></span></span><span style="left: 91.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1171" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1396">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 836.25pt; position: var(--position); top: 75pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.87pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1172" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1397"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 930.75pt; position: var(--position); top: 75pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.19pt;"></span></span><span style="left: 50.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1173" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1398">775</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 65.25pt; position: var(--position); top: 87pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Poland<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 138pt; position: var(--position); top: 87pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.19pt;"></span></span><span style="left: 83.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1174" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1399">346</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 240pt; position: var(--position); top: 87pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 90.75pt;"></span></span><span style="left: 93.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1175" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1400">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 346.5pt; position: var(--position); top: 87pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 90.75pt;"></span></span><span style="left: 93.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1176" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1401">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 453pt; position: var(--position); top: 87pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.44pt;"></span></span><span style="left: 56.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1177" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1402">383</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 527.25pt; position: var(--position); top: 87pt; width: 100.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 100.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.69pt;"></span></span><span style="left: 82.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1178" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1403">279</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 97.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 627.75pt; position: var(--position); top: 87pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.5pt;"></span></span><span style="left: 91.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1179" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1404">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 732pt; position: var(--position); top: 87pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.5pt;"></span></span><span style="left: 91.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1180" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1405">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 836.25pt; position: var(--position); top: 87pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.87pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1181" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1406"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 930.75pt; position: var(--position); top: 87pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.19pt;"></span></span><span style="left: 50.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1182" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1407">329</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 65.25pt; position: var(--position); top: 99pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">France<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 138pt; position: var(--position); top: 99pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 86.25pt;"></span></span><span style="left: 88.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1183" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1408">58</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 240pt; position: var(--position); top: 99pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.69pt;"></span></span><span style="left: 88.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1184" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1409">132</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 346.5pt; position: var(--position); top: 99pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 100.87pt;"></span></span><span style="left: 103.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1185" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1410"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 453pt; position: var(--position); top: 99pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.44pt;"></span></span><span style="left: 56.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1186" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1411">190</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 527.25pt; position: var(--position); top: 99pt; width: 100.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 100.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.75pt;"></span></span><span style="left: 87.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1187" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1412">83</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 97.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 627.75pt; position: var(--position); top: 99pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 93.56pt;"></span></span><span style="left: 96.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1188" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1413">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 732pt; position: var(--position); top: 99pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 98.62pt;"></span></span><span style="left: 101.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1189" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1414"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 836.25pt; position: var(--position); top: 99pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.87pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1190" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1415"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 930.75pt; position: var(--position); top: 99pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.25pt;"></span></span><span style="left: 55.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1191" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1416">90</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 65.25pt; position: var(--position); top: 111pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 138pt; position: var(--position); top: 111pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.19pt;"></span></span><span style="left: 83.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1192" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1417">131</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 240pt; position: var(--position); top: 111pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.69pt;"></span></span><span style="left: 88.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1193" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1418">110</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 346.5pt; position: var(--position); top: 111pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 95.81pt;"></span></span><span style="left: 98.44pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1194" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1419">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 453pt; position: var(--position); top: 111pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.44pt;"></span></span><span style="left: 56.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1195" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1420">242</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 527.25pt; position: var(--position); top: 111pt; width: 100.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 100.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.75pt;"></span></span><span style="left: 87.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1196" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1421">44</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 97.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 627.75pt; position: var(--position); top: 111pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.5pt;"></span></span><span style="left: 91.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1197" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1422">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 732pt; position: var(--position); top: 111pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 98.62pt;"></span></span><span style="left: 101.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1198" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1423"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 836.25pt; position: var(--position); top: 111pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.87pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1199" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1424"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 930.75pt; position: var(--position); top: 111pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.25pt;"></span></span><span style="left: 55.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1200" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1425">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 65.25pt; position: var(--position); top: 123pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 138pt; position: var(--position); top: 123pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.19pt;"></span></span><span style="left: 83.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1201" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1426">972</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 240pt; position: var(--position); top: 123pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 95.81pt;"></span></span><span style="left: 98.44pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1202" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1427">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 346.5pt; position: var(--position); top: 123pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 95.81pt;"></span></span><span style="left: 98.44pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1203" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1428">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 453pt; position: var(--position); top: 123pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.44pt;"></span></span><span style="left: 56.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1204" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1429">977</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 527.25pt; position: var(--position); top: 123pt; width: 100.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 100.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.69pt;"></span></span><span style="left: 82.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1205" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1430">474</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 97.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 627.75pt; position: var(--position); top: 123pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.44pt;"></span></span><span style="left: 86.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1206" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1431">239</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 732pt; position: var(--position); top: 123pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 93.56pt;"></span></span><span style="left: 96.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1207" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1432">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 836.25pt; position: var(--position); top: 123pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.81pt;"></span></span><span style="left: 86.44pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1208" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1433">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 91.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 930.75pt; position: var(--position); top: 123pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.19pt;"></span></span><span style="left: 50.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1209" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1434">715</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 135pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">America<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 138pt; position: var(--position); top: 135pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.97pt;"></span></span><span style="left: 76.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1210" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1435">2,508</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 240pt; position: var(--position); top: 135pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.69pt;"></span></span><span style="left: 88.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1211" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1436">101</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 346.5pt; position: var(--position); top: 135pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 90.75pt;"></span></span><span style="left: 93.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1212" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1437">41</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 453pt; position: var(--position); top: 135pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.22pt;"></span></span><span style="left: 48.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1213" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1438">2,650</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 527.25pt; position: var(--position); top: 135pt; width: 100.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 100.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.47pt;"></span></span><span style="left: 75.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1214" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1439">1,901</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 97.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 627.75pt; position: var(--position); top: 135pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.5pt;"></span></span><span style="left: 91.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1215" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1440">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 732pt; position: var(--position); top: 135pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.5pt;"></span></span><span style="left: 91.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1216" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1441">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 836.25pt; position: var(--position); top: 135pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.87pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1217" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1442"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 930.75pt; position: var(--position); top: 135pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.97pt;"></span></span><span style="left: 43.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1218" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1443">1,986</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 147pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Asia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 138pt; position: var(--position); top: 147pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.19pt;"></span></span><span style="left: 83.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1219" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1444">284</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 240pt; position: var(--position); top: 147pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 100.87pt;"></span></span><span style="left: 103.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1220" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1445"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 346.5pt; position: var(--position); top: 147pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 90.75pt;"></span></span><span style="left: 93.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1221" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1446">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 453pt; position: var(--position); top: 147pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.44pt;"></span></span><span style="left: 56.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1222" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1447">306</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 527.25pt; position: var(--position); top: 147pt; width: 100.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 100.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.69pt;"></span></span><span style="left: 82.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1223" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1448">553</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 97.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 627.75pt; position: var(--position); top: 147pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.5pt;"></span></span><span style="left: 91.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1224" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1449">48</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 732pt; position: var(--position); top: 147pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 98.62pt;"></span></span><span style="left: 101.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1225" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1450"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 836.25pt; position: var(--position); top: 147pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.87pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 91.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1226" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1451"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 930.75pt; position: var(--position); top: 147pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.19pt;"></span></span><span style="left: 50.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1227" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1452">601</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 159pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Australia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 138pt; position: var(--position); top: 159pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.19pt;"></span></span><span style="left: 83.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1228" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1453">501</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 240pt; position: var(--position); top: 159pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 95.81pt;"></span></span><span style="left: 98.44pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1229" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1454">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 346.5pt; position: var(--position); top: 159pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 100.87pt;"></span></span><span style="left: 103.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1230" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1455"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 453pt; position: var(--position); top: 159pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.44pt;"></span></span><span style="left: 56.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1231" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1456">502</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 527.25pt; position: var(--position); top: 159pt; width: 100.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 100.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.69pt;"></span></span><span style="left: 82.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1232" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1457">359</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 97.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 627.75pt; position: var(--position); top: 159pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.5pt;"></span></span><span style="left: 91.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1233" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1458">61</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 732pt; position: var(--position); top: 159pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 93.56pt;"></span></span><span style="left: 96.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1234" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1459">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 836.25pt; position: var(--position); top: 159pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.81pt;"></span></span><span style="left: 86.44pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1235" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1460">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 91.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 930.75pt; position: var(--position); top: 159pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.19pt;"></span></span><span style="left: 50.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1236" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1461">426</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 66pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 171pt; width: 138pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 138pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 138pt; position: var(--position); top: 171pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.25pt;"></span></span><span style="left: 75.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1237" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1462">7,437</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 240pt; position: var(--position); top: 171pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 77.75pt;"></span></span><span style="left: 80.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1238" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1463">1,148</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 103.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 346.5pt; position: var(--position); top: 171pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.15pt;"></span></span><span style="left: 87.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1239" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1464">240</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 103.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 453pt; position: var(--position); top: 171pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.5pt;"></span></span><span style="left: 48.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1240" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1465">8,825</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 71.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 527.25pt; position: var(--position); top: 171pt; width: 100.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 100.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.75pt;"></span></span><span style="left: 74.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1241" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1466">6,452</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 97.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 627.75pt; position: var(--position); top: 171pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 82.9pt;"></span></span><span style="left: 85.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1242" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1467">629</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 101.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 732pt; position: var(--position); top: 171pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 82.9pt;"></span></span><span style="left: 85.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1243" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1468">575</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 101.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 836.25pt; position: var(--position); top: 171pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.63pt;"></span></span><span style="left: 86.25999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1244" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1469">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 91.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 930.75pt; position: var(--position); top: 171pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.25pt;"></span></span><span style="left: 42.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1245" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1470">7,659</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 66.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 520.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Total past due but performing outstanding of business lending increased by<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 378.05999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 386.19000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1246" decimals="-8" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="9" id="f-1471">1.2</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 399.86pt; position: var(--position); text-decoration: none; white-space: pre;"> billion. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 433.58000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">Increase is observed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in the 1-30 days<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 112.74pt; position: var(--position); text-decoration: none; white-space: pre;"> (&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 124.05pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1247" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="9" id="f-1472">1.0</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 137.72pt; position: var(--position); text-decoration: none; white-space: pre;"> billion) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 172.21pt; position: var(--position); text-decoration: none; white-space: pre;">past due bucket and in the 31-60 days<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 344.37pt; position: var(--position); text-decoration: none; white-space: pre;"> (&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 355.67999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1248" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="9" id="f-1473">0.5</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 369.35pt; position: var(--position); text-decoration: none; white-space: pre;"> billion), <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 406.25pt; position: var(--position); text-decoration: none; white-space: pre;">partly offset by a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 544.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">decrease in the 61&#8211;90 days past due bucket<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 236.7pt; position: var(--position); text-decoration: none; white-space: pre;"> (-&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 251.74pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1249" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-1474">336</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 268.63pt; position: var(--position); text-decoration: none; white-space: pre;"> million), <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 309.15pt; position: var(--position); text-decoration: none; white-space: pre;">driven by the United Kingdom<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 442.87pt; position: var(--position); text-decoration: none; white-space: pre;"> (-&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 457.90999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1250" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-1475">383</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 474.79999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> million). <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">175<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-17" continuedAt="f-117-18"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Credit restructuring (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Global Credit Restructuring (GCR) is the dedicated and independent department that deals with non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performing loans and loans that hold a reasonable probability that ING will end up with a loss, if no specific <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">action is taken. GCR handles accounts or portfolios requiring an active approach, which may include <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">renegotiation of terms and conditions and business or financial restructuring. The loans are managed by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">GCR or by units in the various regions and business units. ING uses three distinct statuses to categorise the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 143.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management of clients with (perceived) deteriorating credit risk profiles, i.e. there is increasing doubt as to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 155.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the performance and the collectability of the client&#8217;s contractual obligations:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Watch list: Usually, a client is first classified as watch list when there are concerns of any potential or <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 180.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">material deterioration in credit risk profile that may affect the ability of the client to adhere to its debt <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 192.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">service obligations or to refinance its existing loans. Watch list status requires more than usual attention, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 205.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">increased monitoring and quarterly reviews. Some clients with a watch list status may develop into a <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">restructuring status or even a recovery status.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 231.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Restructuring: A client is classified as restructuring when there are concerns about the client&#8217;s financial <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">stability, credit worthiness, and/or ability to repay, but where the situation does not require the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">termination or acceleration of facilities or the liquidation of collateral. ING&#8217;s actions aim to maintain the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 269.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">going concern status of the client by: <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 282.51pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.37pt; position: var(--position); text-decoration: none; white-space: pre;">restoring the client&#8217;s financial stability; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 295.31pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.37pt; position: var(--position); text-decoration: none; white-space: pre;">supporting the client&#8217;s turnaround; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 308.11pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.37pt; position: var(--position); text-decoration: none; white-space: pre;">restoring the balance between debt and equity; and<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 320.91pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.37pt; position: var(--position); text-decoration: none; white-space: pre;">restructuring the debt to a sustainable situation.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 333.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Recovery: A client is classified as in recovery when ING and/or the client concludes that the client&#8217;s <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">financial situation cannot be restored and a decision is made to terminate the (credit) relationship or <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 359.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">even to enter into bankruptcy. ING prefers an amicable exit, but will enforce and liquidate the collateral <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">or claim under the guarantees if deemed necessary.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Watch list, restructuring and recovery accounts are reviewed at least quarterly by the front office, GCR and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the relevant credit risk management executives.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Forbearance (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Forbearance occurs when a client is unable to meet their financial commitments due to financial difficulties <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">they face or are about to face and ING grants concessions towards them. Forborne assets are assets in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">respect of which forbearance measures have been granted. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 134.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Forbearance may enable clients experiencing financial difficulties to continue repaying their debt. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 161.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For business clients, ING mainly applies forbearance measures to support clients with fundamentally sound <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 173.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business models that are experiencing temporary difficulties with the aim of maximising the client&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 185.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">repayment ability and therewith avoiding a default situation or helping the client to return to a performing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 197.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">situation. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 224.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For ING retail units, clear criteria have been established to determine whether a client is eligible for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 236.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">forbearance process. Specific approval mandates are in place to approve the measures, as well as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 248.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">procedures to manage, monitor and report the forbearance activities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 275.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING reviews the performance of forborne exposures at least quarterly, either on a case-by-case (business) or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 287.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on a portfolio (retail) basis.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 314.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">All exposures are eligible for forbearance measures, i.e. both performing (risk ratings 1-19) and non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 326.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">performing (risk ratings 20-22) exposures. ING uses specific criteria to move forborne exposures from non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 338.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">performing to performing or to remove the forbearance statuses that are consistent with the corresponding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 350.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">European Banking Authority (EBA) standards. An exposure is reported as forborne for a minimum of two <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">years. An additional one-year probation period is applied to forborne exposures that move from non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">performing back to performing.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 401.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfForborneAssetsExplanatoryTableTextBlock" id="f-1476" continuedAt="f-1476-1" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 487.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 84.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 54.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 54.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 487.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 487.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Summary Forborne portfolio (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="4" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 84.75pt; position: var(--position); top: 14.25pt; width: 201pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 201pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 177.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="4" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 285.75pt; position: var(--position); top: 14.25pt; width: 201.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 201.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 178.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 17.25pt;"><td colspan="1" rowspan="2" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 27pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Business line<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 84.75pt; position: var(--position); top: 27pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandin<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">gs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 139.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performi<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ng<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 184.5pt; position: var(--position); top: 27pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">non-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 240.75pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">% of total <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 285.75pt; position: var(--position); top: 27pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandin<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">gs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 340.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performi<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ng<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 385.5pt; position: var(--position); top: 27pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">non-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 442.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">% of total <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 18pt;"><td colspan="9" rowspan="1" style="display: none;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 62.25pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 84.75pt; position: var(--position); top: 62.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.97pt;"></span></span><span style="left: 31.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-124" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1477">6,063</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 139.5pt; position: var(--position); top: 62.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.22pt;"></span></span><span style="left: 21.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1251" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1478">3,919</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 184.5pt; position: var(--position); top: 62.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.47pt;"></span></span><span style="left: 33.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1252" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1479">2,144</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240.75pt; position: var(--position); top: 62.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 23.52pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 23.52pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-402" decimals="3" name="ing:ProportionOfPortfolioPercentage" scale="-2" id="f-1480">1.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 285.75pt; position: var(--position); top: 62.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.97pt;"></span></span><span style="left: 31.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-125" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1481">8,359</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 340.5pt; position: var(--position); top: 62.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.22pt;"></span></span><span style="left: 21.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1253" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1482">5,880</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 62.25pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.22pt;"></span></span><span style="left: 33.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1254" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1483">2,478</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 442.5pt; position: var(--position); top: 62.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 23.52pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 23.52pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1255" decimals="3" name="ing:ProportionOfPortfolioPercentage" scale="-2" id="f-1484">2.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 76.5pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 84.75pt; position: var(--position); top: 76.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.97pt;"></span></span><span style="left: 31.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1256" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1485">7,026</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 139.5pt; position: var(--position); top: 76.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.22pt;"></span></span><span style="left: 21.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1257" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1486">4,128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 184.5pt; position: var(--position); top: 76.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.47pt;"></span></span><span style="left: 33.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1258" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1487">2,898</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240.75pt; position: var(--position); top: 76.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 23.52pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 23.52pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1259" decimals="3" name="ing:ProportionOfPortfolioPercentage" scale="-2" id="f-1488">1.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 285.75pt; position: var(--position); top: 76.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.97pt;"></span></span><span style="left: 31.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1260" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1489">8,080</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 340.5pt; position: var(--position); top: 76.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.22pt;"></span></span><span style="left: 21.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1261" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1490">4,973</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 76.5pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.22pt;"></span></span><span style="left: 33.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1262" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1491">3,107</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 442.5pt; position: var(--position); top: 76.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 23.52pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 23.52pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1263" decimals="3" name="ing:ProportionOfPortfolioPercentage" scale="-2" id="f-1492">1.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 90.75pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 84.75pt; position: var(--position); top: 90.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.01pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1493">13,089</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 139.5pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.5pt;"></span></span><span style="left: 21.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1264" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1494">8,047</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 184.5pt; position: var(--position); top: 90.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.75pt;"></span></span><span style="left: 32.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1265" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1495">5,042</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240.75pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 23.16pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 23.16pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="ing:ProportionOfPortfolioPercentage" scale="-2" id="f-1496">1.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.8pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 285.75pt; position: var(--position); top: 90.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.01pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1497">16,438</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 340.5pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.26pt;"></span></span><span style="left: 15.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1266" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1498">10,853</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 90.75pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.5pt;"></span></span><span style="left: 33.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1267" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1499">5,585</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 442.5pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 23.16pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 23.16pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-23" decimals="3" name="ing:ProportionOfPortfolioPercentage" scale="-2" id="f-1500">2.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.8pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">176<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-18" continuedAt="f-117-19"><div><ix:continuation id="f-1476-1" continuedAt="f-1476-2"><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 488.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 85.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 54.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 54.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 488.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 488.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Summary Forborne portfolio by forbearance type (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 85.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="4" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 85.5pt; position: var(--position); top: 14.25pt; width: 201.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 201.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 178.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="4" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 287.25pt; position: var(--position); top: 14.25pt; width: 201pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 201pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 177.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 17.25pt;"><td colspan="1" rowspan="2" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 27pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Forbearance type<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 85.5pt; position: var(--position); top: 27pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandin<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">gs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 140.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performi<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ng<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 185.25pt; position: var(--position); top: 27pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">non-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 242.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">% of total <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 287.25pt; position: var(--position); top: 27pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandin<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">gs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 342pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performi<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ng<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 387pt; position: var(--position); top: 27pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">non-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 443.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">% of total <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 18pt;"><td colspan="9" rowspan="1" style="display: none;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 62.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loan modification<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 85.5pt; position: var(--position); top: 62.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.91pt;"></span></span><span style="left: 26.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1268" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1501">11,881</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 140.25pt; position: var(--position); top: 62.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.22pt;"></span></span><span style="left: 21.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1269" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1502">7,550</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 185.25pt; position: var(--position); top: 62.25pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.22pt;"></span></span><span style="left: 33.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1270" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1503">4,331</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 242.25pt; position: var(--position); top: 62.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 23.52pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 23.52pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1271" decimals="3" name="ing:ProportionOfPortfolioPercentage" scale="-2" id="f-1504">1.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 62.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.91pt;"></span></span><span style="left: 26.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1272" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1505">15,317</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342pt; position: var(--position); top: 62.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.16pt;"></span></span><span style="left: 16.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1273" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1506">10,428</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 62.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.47pt;"></span></span><span style="left: 33.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1274" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1507">4,889</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 443.25pt; position: var(--position); top: 62.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 23.52pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 23.52pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1275" decimals="3" name="ing:ProportionOfPortfolioPercentage" scale="-2" id="f-1508">1.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 76.5pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Refinancing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 85.5pt; position: var(--position); top: 76.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.97pt;"></span></span><span style="left: 31.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1276" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1509">1,208</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 140.25pt; position: var(--position); top: 76.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1277" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1510">497</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 185.25pt; position: var(--position); top: 76.5pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1278" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1511">711</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 242.25pt; position: var(--position); top: 76.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 23.52pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 23.52pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1279" decimals="3" name="ing:ProportionOfPortfolioPercentage" scale="-2" id="f-1512">0.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 76.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.97pt;"></span></span><span style="left: 31.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1280" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1513">1,121</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342pt; position: var(--position); top: 76.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1281" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1514">426</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 76.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.69pt;"></span></span><span style="left: 40.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1282" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1515">695</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 443.25pt; position: var(--position); top: 76.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 23.52pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 23.52pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1283" decimals="3" name="ing:ProportionOfPortfolioPercentage" scale="-2" id="f-1516">0.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 90.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 85.5pt; position: var(--position); top: 90.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.01pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1517">13,089</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 140.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.5pt;"></span></span><span style="left: 21.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1264" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1518">8,047</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 185.25pt; position: var(--position); top: 90.75pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.5pt;"></span></span><span style="left: 33.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1265" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1519">5,042</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 242.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 23.16pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 23.16pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="ing:ProportionOfPortfolioPercentage" scale="-2" id="f-1520">1.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.8pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 90.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.01pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1521">16,438</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.26pt;"></span></span><span style="left: 15.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1266" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1522">10,853</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 90.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.75pt;"></span></span><span style="left: 32.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1267" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1523">5,585</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 443.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 23.16pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 23.16pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-23" decimals="3" name="ing:ProportionOfPortfolioPercentage" scale="-2" id="f-1524">2.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.8pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 189.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As of 31 December 2023, ING&#8217;s total forborne assets decreased by<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 334.94000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 343.07000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1284" decimals="-8" sign="-" name="ing:IncreaseDecreaseOfForborneAssets" scale="9" id="f-1525">3.3</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 356.74pt; position: var(--position); text-decoration: none; white-space: pre;"> billion <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 388.04999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">compared to 31 December <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 201.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2022. WB decreased by<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 145.28pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 153.41pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1285" decimals="-8" sign="-" name="ing:IncreaseDecreaseOfForborneAssets" scale="9" id="f-1526">2.3</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 167.07999999999998pt; position: var(--position); text-decoration: none; white-space: pre;"> billion <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 198.39pt; position: var(--position); text-decoration: none; white-space: pre;">and Retail Banking decreased by<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 344.01pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 352.14pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1286" decimals="-8" sign="-" name="ing:IncreaseDecreaseOfForborneAssets" scale="9" id="f-1527">1.1</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 365.80999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> billion. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 399.53pt; position: var(--position); text-decoration: none; white-space: pre;">The decreases are mainly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 213.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">caused by passing the two-year probation period following the Covid-19 pandemic.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 240.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 267.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As of December 2023, WB forborne assets amounted to &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 297.15999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1287" decimals="-8" name="ing:ForborneAssets" scale="9" id="f-1528">6.1</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 310.83000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> billion (2022: &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 378.38pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1288" decimals="-8" name="ing:ForborneAssets" scale="9" id="f-1529">8.4</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 392.04999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> billion), which represented <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 279.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1285" decimals="3" name="ing:PercentageOfForborneAssets" scale="-2" id="f-1530">1.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 62.25pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 95.36pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1289" decimals="3" name="ing:PercentageOfForborneAssets" scale="-2" id="f-1531">2.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 117.64pt; position: var(--position); text-decoration: none; white-space: pre;">) of the total WB portfolio.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:continuation id="f-1476-2" continuedAt="f-1476-3"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 57pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 72pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66.75pt;"/></tr><tr style="height: 13.5pt;"><td colspan="8" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 13.5pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking: Forborne portfolio by geographical area (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 13.5pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 129pt; position: var(--position); top: 13.5pt; width: 176.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 176.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 152.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 305.25pt; position: var(--position); top: 13.5pt; width: 179.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 179.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 155.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 0pt; position: var(--position); top: 24.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.5pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Region<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 129pt; position: var(--position); top: 24.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.5pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 188.25pt; position: var(--position); top: 24.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 5.7pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.05pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 16.5pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.36pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 24.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.85pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: non-<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 305.25pt; position: var(--position); top: 24.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.5pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.13pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 366pt; position: var(--position); top: 24.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 5.7pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.8pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 16.5pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.11pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 24.75pt; width: 66.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.6pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: non-<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 239.25pt; position: var(--position); top: 39pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.36pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 417.75pt; position: var(--position); top: 39pt; width: 66.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 66.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.11pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="8" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 114pt; left: 0pt; position: var(--position); top: 51.75pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 53.06pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 57pt; position: var(--position); top: 51.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 129pt; position: var(--position); top: 51.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-272" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1532">361</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 188.25pt; position: var(--position); top: 51.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.19pt;"></span></span><span style="left: 32.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1290" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1533">301</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 51.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1291" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1534">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 51.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-273" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1535">720</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 51.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1292" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1536">630</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 51.75pt; width: 66.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51pt;"></span></span><span style="left: 53.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1293" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1537">90</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 57pt; position: var(--position); top: 66pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 129pt; position: var(--position); top: 66pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-282" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1538">454</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 188.25pt; position: var(--position); top: 66pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.19pt;"></span></span><span style="left: 32.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1294" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1539">446</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 66pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1295" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1540">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 66pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-283" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1541">659</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 66pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1296" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1542">651</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 66pt; width: 66.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.06pt;"></span></span><span style="left: 58.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1297" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1543">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 57pt; position: var(--position); top: 80.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 129pt; position: var(--position); top: 80.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-292" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1544">288</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 188.25pt; position: var(--position); top: 80.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.19pt;"></span></span><span style="left: 32.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1298" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1545">148</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 80.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1299" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1546">139</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 80.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-293" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1547">580</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 80.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1300" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1548">466</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 80.25pt; width: 66.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.94pt;"></span></span><span style="left: 48.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1301" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1549">115</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 57pt; position: var(--position); top: 94.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">United Kingdom<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 129pt; position: var(--position); top: 94.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-322" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1550">583</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 188.25pt; position: var(--position); top: 94.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.19pt;"></span></span><span style="left: 32.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1302" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1551">425</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 94.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1303" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1552">158</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 94.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-323" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1553">1,044</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 94.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1304" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1554">721</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 94.5pt; width: 66.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.94pt;"></span></span><span style="left: 48.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1305" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1555">323</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 57pt; position: var(--position); top: 108.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Italy<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 129pt; position: var(--position); top: 108.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.5pt;"></span></span><span style="left: 46.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1306" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1556">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 188.25pt; position: var(--position); top: 108.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.25pt;"></span></span><span style="left: 37.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1307" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1557">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 108.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1308" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1558">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 108.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1309" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1559">205</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 108.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1310" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1560">157</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 108.75pt; width: 66.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51pt;"></span></span><span style="left: 53.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1311" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1561">48</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 57pt; position: var(--position); top: 123pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Norway<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 129pt; position: var(--position); top: 123pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.56pt;"></span></span><span style="left: 51.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1312" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1562">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 188.25pt; position: var(--position); top: 123pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.31pt;"></span></span><span style="left: 42.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1313" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1563">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 123pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1314" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1564">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 123pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45pt;"></span></span><span style="left: 47.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1315" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1565">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 123pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.06pt;"></span></span><span style="left: 43.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1316" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1566">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 123pt; width: 66.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51pt;"></span></span><span style="left: 53.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1317" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1567">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 57pt; position: var(--position); top: 137.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Poland<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 129pt; position: var(--position); top: 137.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-302" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1568">520</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 188.25pt; position: var(--position); top: 137.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.19pt;"></span></span><span style="left: 32.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1318" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1569">519</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 137.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1319" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1570">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 137.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-303" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1571">203</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 137.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1320" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1572">189</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 137.25pt; width: 66.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51pt;"></span></span><span style="left: 53.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1321" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1573">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 57pt; position: var(--position); top: 151.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 129pt; position: var(--position); top: 151.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.22pt;"></span></span><span style="left: 33.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-352" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1574">1,421</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 188.25pt; position: var(--position); top: 151.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1322" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1575">1,142</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 151.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1323" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1576">279</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 151.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-353" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1577">2,176</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 151.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.72pt;"></span></span><span style="left: 26.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1324" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1578">1,749</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 151.5pt; width: 66.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.94pt;"></span></span><span style="left: 48.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1325" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1579">427</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 165.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">America<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 129pt; position: var(--position); top: 165.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.22pt;"></span></span><span style="left: 33.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-362" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1580">1,025</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 188.25pt; position: var(--position); top: 165.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.19pt;"></span></span><span style="left: 32.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1326" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1581">532</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 165.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1327" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1582">493</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 165.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-363" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1583">1,353</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 165.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.72pt;"></span></span><span style="left: 26.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1328" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1584">1,032</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 165.75pt; width: 66.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.94pt;"></span></span><span style="left: 48.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1329" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1585">321</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 180pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Asia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 129pt; position: var(--position); top: 180pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.22pt;"></span></span><span style="left: 33.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1330" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1586">1,198</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 188.25pt; position: var(--position); top: 180pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.19pt;"></span></span><span style="left: 32.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1331" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1587">277</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 180pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1332" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1588">921</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 180pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1333" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1589">1,107</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 180pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1334" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1590">143</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 180pt; width: 66.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.94pt;"></span></span><span style="left: 48.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1335" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1591">964</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 194.25pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Australia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 129pt; position: var(--position); top: 194.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.5pt;"></span></span><span style="left: 46.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-382" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1592">87</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 188.25pt; position: var(--position); top: 194.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.25pt;"></span></span><span style="left: 37.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1336" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1593">87</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 194.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1337" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1594">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 194.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-383" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1595">217</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 194.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1338" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1596">132</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 194.25pt; width: 66.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51pt;"></span></span><span style="left: 53.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1339" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1597">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 208.5pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Africa<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f4f4f4; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 129pt; position: var(--position); top: 208.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.5pt;"></span></span><span style="left: 46.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-392" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1598">68</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f4f4f4; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 188.25pt; position: var(--position); top: 208.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.25pt;"></span></span><span style="left: 37.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1340" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1599">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f4f4f4; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 208.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1341" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1600">45</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 208.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45pt;"></span></span><span style="left: 47.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-393" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1601">61</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 208.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36pt;"></span></span><span style="left: 38.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1342" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1602">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 208.5pt; width: 66.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51pt;"></span></span><span style="left: 53.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1343" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1603">51</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 222.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 129pt; position: var(--position); top: 222.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.5pt;"></span></span><span style="left: 33.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-124" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1604">6,063</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 56.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 188.25pt; position: var(--position); top: 222.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.25pt;"></span></span><span style="left: 24.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1251" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1605">3,919</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 222.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.25pt;"></span></span><span style="left: 39.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1252" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1606">2,144</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 222.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32pt;"></span></span><span style="left: 34.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-125" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1607">8,359</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 222.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23pt;"></span></span><span style="left: 25.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1253" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1608">5,880</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 222.75pt; width: 66.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38pt;"></span></span><span style="left: 40.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1254" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1609">2,478</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><ix:continuation id="f-1476-3" continuedAt="f-1476-4"><div style="position: var(--position); top: 306.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 127.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking: Forborne portfolio by economic sector (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 127.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 127.5pt; position: var(--position); top: 14.25pt; width: 178.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 178.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 154.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 306pt; position: var(--position); top: 14.25pt; width: 178.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 178.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 154.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 27pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Industry<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 127.5pt; position: var(--position); top: 27pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 186.75pt; overflow: hidden; position: var(--position); top: 27pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.18pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.49pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 240pt; position: var(--position); top: 27pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.73pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: non-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.24pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 306pt; position: var(--position); top: 27pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.51pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 365.25pt; overflow: hidden; position: var(--position); top: 27pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.18pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.49pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 418.5pt; position: var(--position); top: 27pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.73pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: non-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.24pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="7" rowspan="1" style="display: none;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 51pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Natural Resources<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 127.5pt; position: var(--position); top: 51pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-152" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1610">788</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 186.75pt; position: var(--position); top: 51pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1344" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1611">321</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 51pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1345" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1612">467</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 306pt; position: var(--position); top: 51pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.22pt;"></span></span><span style="left: 33.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-153" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1613">1,239</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 365.25pt; position: var(--position); top: 51pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1346" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1614">603</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 418.5pt; position: var(--position); top: 51pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1347" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1615">636</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 65.25pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real Estate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 127.5pt; position: var(--position); top: 65.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.22pt;"></span></span><span style="left: 33.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-162" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1616">1,320</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 186.75pt; position: var(--position); top: 65.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1348" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1617">1,254</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 65.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1349" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1618">66</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 306pt; position: var(--position); top: 65.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.22pt;"></span></span><span style="left: 33.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-163" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1619">2,000</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 365.25pt; position: var(--position); top: 65.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1350" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1620">1,917</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 418.5pt; position: var(--position); top: 65.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1351" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1621">84</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 79.5pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transportation &amp; Logistics<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 127.5pt; position: var(--position); top: 79.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-202" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1622">315</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 186.75pt; position: var(--position); top: 79.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1352" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1623">175</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 79.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1353" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1624">139</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 306pt; position: var(--position); top: 79.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.22pt;"></span></span><span style="left: 33.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-203" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1625">1,073</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 365.25pt; position: var(--position); top: 79.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1354" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1626">868</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 418.5pt; position: var(--position); top: 79.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1355" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1627">205</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 93.75pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Food, Beverages &amp; Personal <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Care<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 127.5pt; position: var(--position); top: 93.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-222" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1628">866</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 186.75pt; position: var(--position); top: 93.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1356" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1629">465</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 240pt; position: var(--position); top: 93.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1357" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1630">401</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 306pt; position: var(--position); top: 93.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.22pt;"></span></span><span style="left: 33.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-223" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1631">1,082</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 365.25pt; position: var(--position); top: 93.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1358" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1632">543</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 418.5pt; position: var(--position); top: 93.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1359" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1633">539</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 117.75pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Services<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 127.5pt; position: var(--position); top: 117.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-232" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1634">284</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 186.75pt; position: var(--position); top: 117.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1360" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1635">254</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 240pt; position: var(--position); top: 117.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1361" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1636">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 306pt; position: var(--position); top: 117.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-233" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1637">697</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 117.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1362" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1638">665</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 418.5pt; position: var(--position); top: 117.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1363" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1639">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 130.5pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Automotive<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 127.5pt; position: var(--position); top: 130.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1364" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1640">138</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 186.75pt; position: var(--position); top: 130.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1365" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1641">98</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 130.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1366" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1642">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 306pt; position: var(--position); top: 130.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1367" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1643">172</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 365.25pt; position: var(--position); top: 130.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1368" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1644">125</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 418.5pt; position: var(--position); top: 130.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1369" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1645">46</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 144.75pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Utilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 127.5pt; position: var(--position); top: 144.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-212" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1646">510</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 186.75pt; position: var(--position); top: 144.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1370" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1647">255</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 144.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1371" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1648">255</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 306pt; position: var(--position); top: 144.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-213" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1649">469</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 365.25pt; position: var(--position); top: 144.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1372" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1650">255</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 418.5pt; position: var(--position); top: 144.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1373" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1651">214</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 159pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">General Industries<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 127.5pt; position: var(--position); top: 159pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-242" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1652">145</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 186.75pt; position: var(--position); top: 159pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1374" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1653">74</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 240pt; position: var(--position); top: 159pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1375" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1654">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 306pt; position: var(--position); top: 159pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-243" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1655">255</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 159pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1376" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1656">176</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 418.5pt; position: var(--position); top: 159pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1377" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1657">80</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 171.75pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 127.5pt; position: var(--position); top: 171.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1378" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1658">282</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 186.75pt; position: var(--position); top: 171.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1379" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1659">104</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 240pt; position: var(--position); top: 171.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1380" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1660">178</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 306pt; position: var(--position); top: 171.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1381" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1661">302</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 171.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1382" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1662">227</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 418.5pt; position: var(--position); top: 171.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1383" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1663">76</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 184.5pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Chemicals, Health &amp; <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Pharmaceuticals<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 127.5pt; position: var(--position); top: 184.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1384" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1664">571</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 186.75pt; position: var(--position); top: 184.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1385" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1665">559</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 240pt; position: var(--position); top: 184.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1386" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1666">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 306pt; position: var(--position); top: 184.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1387" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1667">191</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 365.25pt; position: var(--position); top: 184.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1388" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1668">168</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 418.5pt; position: var(--position); top: 184.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1389" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1669">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 208.5pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Builders &amp; Contractors<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 127.5pt; position: var(--position); top: 208.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1390" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1670">133</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 186.75pt; position: var(--position); top: 208.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1391" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1671">72</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 240pt; position: var(--position); top: 208.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1392" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1672">61</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 306pt; position: var(--position); top: 208.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1393" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1673">168</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 208.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1394" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1674">94</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 418.5pt; position: var(--position); top: 208.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1395" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1675">74</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 221.25pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 127.5pt; position: var(--position); top: 221.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1396" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1676">712</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 186.75pt; position: var(--position); top: 221.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1397" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1677">287</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 240pt; position: var(--position); top: 221.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1398" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1678">425</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 306pt; position: var(--position); top: 221.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1399" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1679">710</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 221.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1400" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1680">240</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 418.5pt; position: var(--position); top: 221.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1401" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1681">469</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 234pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 127.5pt; position: var(--position); top: 234pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.5pt;"></span></span><span style="left: 33.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-124" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1682">6,063</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 56.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 186.75pt; position: var(--position); top: 234pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.5pt;"></span></span><span style="left: 27.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1251" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1683">3,919</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 240pt; position: var(--position); top: 234pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.25pt;"></span></span><span style="left: 39.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1252" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1684">2,144</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 306pt; position: var(--position); top: 234pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.5pt;"></span></span><span style="left: 33.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-125" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1685">8,359</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 56.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 234pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.5pt;"></span></span><span style="left: 27.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1253" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1686">5,880</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 418.5pt; position: var(--position); top: 234pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.25pt;"></span></span><span style="left: 39.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1254" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1687">2,478</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">177<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-19" continuedAt="f-117-20"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The main concentration of forborne assets in a single country was in United States with <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 432.98pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1402" decimals="3" name="ing:PercentageOfForborneAssets" scale="-2" id="f-1688">13.6</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 460.89pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1403" decimals="3" name="ing:PercentageOfForborneAssets" scale="-2" id="f-1689">11.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 67.88pt; position: var(--position); text-decoration: none; white-space: pre;">) of the total WB forborne assets.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">WB forborne assets decreased <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 178.27pt; position: var(--position); text-decoration: none; white-space: pre;">by &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 197.74pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1285" decimals="-7" sign="-" name="ing:IncreaseDecreaseOfForborneAssets" scale="9" id="f-1690">2.3</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 211.41pt; position: var(--position); text-decoration: none; white-space: pre;"> billion compared to 2022, also driven by passing the two-year <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">probation period following the Covid-19 pandemic. Decrease is mainly visible in the performing forborne <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">assets (-&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 83.19pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1404" decimals="-8" sign="-" name="ing:IncreaseDecreaseOfForborneAssets" scale="9" id="f-1691">2.0</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 96.86pt; position: var(--position); text-decoration: none; white-space: pre;"> billion), mainly in the industries Transportation &amp; Logistics, Real Estate and Services. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">decrease was partial offset by an increase for Chemicals, Health and Pharmaceuticals, driven by a few large <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">individual clients.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">WB's forborne assets are mainly concentrated in Real Estate, Food Beverages &amp; Personal Care, Natural <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Resources, Chemicals, Health &amp; Pharmaceuticals, and Utilities.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 317pt; position: var(--position); text-decoration: none; white-space: pre;">These five economic sectors accounted for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="ing:PercentageOfForborneAssetsConcentratedInFiveMainEconomicSectors" scale="-2" id="f-1692">67</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 59.84pt; position: var(--position); text-decoration: none; white-space: pre;"> of the total WB forborne outstandings<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 229.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 245.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As of the end of December 2023, Retail Banking forborne assets totalled &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 369.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1256" decimals="-8" name="ing:ForborneAssets" scale="9" id="f-1693">7.0</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 382.79999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> billion, which represented <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 502.15999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1259" decimals="3" name="ing:PercentageOfForborneAssets" scale="-2" id="f-1694">1.4</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.44pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 257.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the total Retail Banking portfolio. The majority of forborne exposures were in private individuals with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 269.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1405" decimals="3" name="ing:PercentageOfForborneAssets" scale="-2" id="f-1695">50.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 67.88pt; position: var(--position); text-decoration: none; white-space: pre;">.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; position: var(--position); top: 296.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.47pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 263.25pt;"></span></span><ix:continuation id="f-1476-4"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 70.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 72pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 54.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 54.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="8" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking: Forborne portfolio by geographical area (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 14.25pt; width: 171pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 171pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 147.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 313.5pt; position: var(--position); top: 14.25pt; width: 171pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 171pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 147.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 0pt; position: var(--position); top: 27pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Region<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 142.5pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 202.5pt; position: var(--position); top: 27pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.45pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 257.25pt; position: var(--position); top: 27pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">non-<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 313.5pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Outstandings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 373.5pt; position: var(--position); top: 27pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.45pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 428.25pt; position: var(--position); top: 27pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">non-<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 257.25pt; position: var(--position); top: 51pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 428.25pt; position: var(--position); top: 51pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">performing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="9" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 128.25pt; left: 0pt; position: var(--position); top: 63.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 60.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 70.5pt; position: var(--position); top: 63.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 142.5pt; position: var(--position); top: 63.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1406" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1696">1,483</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 63.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.94pt;"></span></span><span style="left: 36.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1407" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1697">981</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 63.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1408" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1698">502</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 63.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1409" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1699">2,832</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 373.5pt; position: var(--position); top: 63.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.72pt;"></span></span><span style="left: 29.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1410" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1700">2,043</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 63.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1411" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1701">789</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 70.5pt; position: var(--position); top: 78pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 142.5pt; position: var(--position); top: 78pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1412" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1702">2,153</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 78pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.94pt;"></span></span><span style="left: 36.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1413" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1703">838</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 78pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1414" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1704">1,315</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 78pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1415" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1705">2,644</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 373.5pt; position: var(--position); top: 78pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.72pt;"></span></span><span style="left: 29.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1416" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1706">1,331</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 78pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1417" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1707">1,314</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 70.5pt; position: var(--position); top: 92.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 142.5pt; position: var(--position); top: 92.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1418" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1708">1,309</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 92.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.72pt;"></span></span><span style="left: 29.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1419" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1709">1,064</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 92.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1420" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1710">246</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 92.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1421" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1711">804</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 373.5pt; position: var(--position); top: 92.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.94pt;"></span></span><span style="left: 36.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1422" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1712">610</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 92.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1423" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1713">194</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 70.5pt; position: var(--position); top: 106.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Poland<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 142.5pt; position: var(--position); top: 106.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1424" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1714">852</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 106.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.94pt;"></span></span><span style="left: 36.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1425" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1715">522</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 106.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1426" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1716">330</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 106.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1427" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1717">588</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 373.5pt; position: var(--position); top: 106.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.94pt;"></span></span><span style="left: 36.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1428" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1718">309</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 106.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1429" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1719">279</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 70.5pt; position: var(--position); top: 120.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">T&#252;rkiye<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 142.5pt; position: var(--position); top: 120.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1430" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1720">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 120.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39pt;"></span></span><span style="left: 41.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1431" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1721">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 120.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1432" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1722">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 120.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1433" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1723">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 373.5pt; position: var(--position); top: 120.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39pt;"></span></span><span style="left: 41.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1434" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1724">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 120.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1435" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1725">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 70.5pt; position: var(--position); top: 135pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Italy<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 142.5pt; position: var(--position); top: 135pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1436" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1726">123</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 135pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39pt;"></span></span><span style="left: 41.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1437" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1727">51</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 135pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1438" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1728">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 135pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1439" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1729">131</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 373.5pt; position: var(--position); top: 135pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39pt;"></span></span><span style="left: 41.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1440" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1730">52</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 135pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1441" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1731">79</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 70.5pt; position: var(--position); top: 149.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Romania<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 142.5pt; position: var(--position); top: 149.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1442" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1732">135</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 149.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39pt;"></span></span><span style="left: 41.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1443" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1733">49</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 149.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1444" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1734">86</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 149.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1445" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1735">124</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 373.5pt; position: var(--position); top: 149.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39pt;"></span></span><span style="left: 41.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1446" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1736">53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 149.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1447" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1737">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 70.5pt; position: var(--position); top: 163.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Spain<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 142.5pt; position: var(--position); top: 163.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1448" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1738">138</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 163.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.94pt;"></span></span><span style="left: 36.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1449" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1739">118</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 163.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1450" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1740">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 163.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1451" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1741">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 373.5pt; position: var(--position); top: 163.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39pt;"></span></span><span style="left: 41.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1452" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1742">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 163.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1453" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1743">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 70.5pt; position: var(--position); top: 177.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 142.5pt; position: var(--position); top: 177.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1454" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1744">88</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 177.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39pt;"></span></span><span style="left: 41.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1455" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1745">58</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 177.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1456" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1746">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 177.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1457" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1747">73</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 373.5pt; position: var(--position); top: 177.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39pt;"></span></span><span style="left: 41.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1458" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1748">48</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 177.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1459" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1749">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 192pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">America<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 142.5pt; position: var(--position); top: 192pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1460" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1750">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 192pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39pt;"></span></span><span style="left: 41.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1461" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1751">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 192pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1462" xsi:nil="true" name="ing:ForborneAssets" id="f-1752"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 192pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1463" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1753">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 373.5pt; position: var(--position); top: 192pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39pt;"></span></span><span style="left: 41.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1464" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1754">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 192pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1465" xsi:nil="true" name="ing:ForborneAssets" id="f-1755"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 206.25pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Asia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 142.5pt; position: var(--position); top: 206.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1466" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1756">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 206.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.06pt;"></span></span><span style="left: 46.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1467" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1757">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 206.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1468" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1758">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 206.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1469" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1759">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 373.5pt; position: var(--position); top: 206.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.06pt;"></span></span><span style="left: 46.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1470" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1760">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 206.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1471" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1761">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 220.5pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Australia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 142.5pt; position: var(--position); top: 220.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1472" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1762">697</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 220.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.94pt;"></span></span><span style="left: 36.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1473" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1763">411</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 220.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1474" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1764">286</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 220.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1475" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1765">768</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 373.5pt; position: var(--position); top: 220.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.94pt;"></span></span><span style="left: 36.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1476" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1766">467</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 220.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1477" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1767">302</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 234.75pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Africa<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 142.5pt; position: var(--position); top: 234.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.37pt;"></span></span><span style="left: 57pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1478" xsi:nil="true" name="ing:ForborneAssets" id="f-1768"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 234.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.12pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1479" xsi:nil="true" name="ing:ForborneAssets" id="f-1769"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 234.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1480" xsi:nil="true" name="ing:ForborneAssets" id="f-1770"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 234.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1481" decimals="-6" name="ing:ForborneAssets" scale="6" id="f-1771">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 373.5pt; position: var(--position); top: 234.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.12pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1482" xsi:nil="true" name="ing:ForborneAssets" id="f-1772"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 234.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1483" xsi:nil="true" name="ing:ForborneAssets" id="f-1773"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 249pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 142.5pt; position: var(--position); top: 249pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.25pt;"></span></span><span style="left: 33.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1256" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1774">7,026</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 249pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26pt;"></span></span><span style="left: 28.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1484" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1775">4,128</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 51.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 249pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1485" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1776">2,898</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 249pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.25pt;"></span></span><span style="left: 33.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1260" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1777">8,080</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 373.5pt; position: var(--position); top: 249pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26pt;"></span></span><span style="left: 28.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1486" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1778">4,973</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 51.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 249pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1487" decimals="-6" name="ing:ForborneAssets" format="ixt:num-dot-decimal" scale="6" id="f-1779">3,107</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The main concentration of forborne assets in a single country was in Belgium with <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 924.24pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1488" decimals="3" name="ing:DecreaseInPercentageOfForborneAssets" scale="-2" id="f-1780">30.6</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 952.15pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 985.26pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1489" decimals="3" name="ing:DecreaseInPercentageOfForborneAssets" scale="-2" id="f-1781">32.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1013.17pt; position: var(--position); text-decoration: none; white-space: pre;">) of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">total Retail Banking forborne assets and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 735.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1490" decimals="3" name="ing:DecreaseInPercentageOfForborneAssets" scale="-2" id="f-1782">45.4</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 763.5699999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 796.68pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1491" decimals="3" name="ing:DecreaseInPercentageOfForborneAssets" scale="-2" id="f-1783">42.3</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 824.5899999999999pt; position: var(--position); text-decoration: none; white-space: pre;">) of the non-performing forborne assets. Next to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that, Netherlands had <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 655.8pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1492" decimals="3" name="ing:DecreaseInPercentageOfForborneAssets" scale="-2" id="f-1784">21.1</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 683.71pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 716.8199999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1493" decimals="3" name="ing:DecreaseInPercentageOfForborneAssets" scale="-2" id="f-1785">35.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 744.73pt; position: var(--position); text-decoration: none; white-space: pre;">) of the total Retail forborne assets and Germany <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 966.0899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1494" decimals="3" name="ing:DecreaseInPercentageOfForborneAssets" scale="-2" id="f-1786">18.6</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 994pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(2022:<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1495" decimals="3" name="ing:DecreaseInPercentageOfForborneAssets" scale="-2" id="f-1787">10.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 611.04pt; position: var(--position); text-decoration: none; white-space: pre;">). The increase in Germany is driven by mortgages, where clients that choose for a repayment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">percentage below a certain threshold, though contractually allowed, are conservatively considered forborn.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 141.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Non-performing loans (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s loan portfolio is under constant review. Loans to obligors that are considered more than 90 days past <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">due and above applicable thresholds are reclassified as non-performing. For business lending portfolios, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">there generally are reasons for declaring a loan non-performing prior to the obligor being 90 days past due. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 196.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">These reasons include, but are not limited to, ING&#8217;s assessment of the customer&#8217;s perceived inability to meet <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 208.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">its financial obligations, or the customer filing for bankruptcy or bankruptcy protection.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The table below represents the breakdown by industry of credit risk outstandings that have been classified <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as non-performing.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 274.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfNonPerformingLoansTableTextBlock" id="f-1788" continuedAt="f-1788-1" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 118.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/></tr><tr style="height: 13.5pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 13.5pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Non-performing Loans: outstandings by economic sector and business lines (*)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ffffff; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 366.72pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 13.5pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 118.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 118.5pt; position: var(--position); top: 13.5pt; width: 88.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 88.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.5pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 207pt; position: var(--position); top: 13.5pt; width: 88.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 88.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.42pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Benelux<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 295.5pt; position: var(--position); top: 13.5pt; width: 106.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.68pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Challengers &amp; <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 106.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 40.25pt; position: var(--position); text-decoration: none; white-space: pre;">Growth Markets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 402pt; position: var(--position); top: 13.5pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 59.8pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 37.5pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Industry<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 118.5pt; position: var(--position); top: 37.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 162.75pt; position: var(--position); top: 37.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207pt; position: var(--position); top: 37.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 251.25pt; position: var(--position); top: 37.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 295.5pt; position: var(--position); top: 37.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 29.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 348.75pt; position: var(--position); top: 37.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 29.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 402pt; position: var(--position); top: 37.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 443.25pt; position: var(--position); top: 37.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 51.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Private Individuals<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 118.5pt; position: var(--position); top: 51.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1496" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1789">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 162.75pt; position: var(--position); top: 51.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.62pt;"></span></span><span style="left: 41.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 207pt; position: var(--position); top: 51.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.22pt;"></span></span><span style="left: 18.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1497" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1790">2,210</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 251.25pt; position: var(--position); top: 51.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.22pt;"></span></span><span style="left: 18.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1498" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1791">2,174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 295.5pt; position: var(--position); top: 51.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1499" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1792">2,206</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 348.75pt; position: var(--position); top: 51.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1500" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1793">1,954</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 402pt; position: var(--position); top: 51.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1501" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1794">4,419</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 443.25pt; position: var(--position); top: 51.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1502" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1795">4,129</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 63.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Natural Resources<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 118.5pt; position: var(--position); top: 63.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1503" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1796">669</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 162.75pt; position: var(--position); top: 63.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.22pt;"></span></span><span style="left: 18.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1504" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1797">1,369</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 207pt; position: var(--position); top: 63.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1505" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1798">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 251.25pt; position: var(--position); top: 63.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1506" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1799">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 295.5pt; position: var(--position); top: 63.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1507" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1800">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 348.75pt; position: var(--position); top: 63.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1508" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1801">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 402pt; position: var(--position); top: 63.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1509" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1802">754</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 443.25pt; position: var(--position); top: 63.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1510" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1803">1,421</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 75.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Food, Beverages &amp; Personal <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Care<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 118.5pt; position: var(--position); top: 75.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1511" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1804">565</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 162.75pt; position: var(--position); top: 75.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1512" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1805">672</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 207pt; position: var(--position); top: 75.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1513" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1806">363</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 251.25pt; position: var(--position); top: 75.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1514" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1807">438</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 295.5pt; position: var(--position); top: 75.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1515" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1808">157</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 348.75pt; position: var(--position); top: 75.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1516" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1809">122</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 402pt; position: var(--position); top: 75.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1517" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1810">1,085</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 443.25pt; position: var(--position); top: 75.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1518" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1811">1,233</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 99.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transportation &amp; Logistics<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 118.5pt; position: var(--position); top: 99.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1519" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1812">437</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 162.75pt; position: var(--position); top: 99.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1520" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1813">367</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 207pt; position: var(--position); top: 99.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1521" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1814">69</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 251.25pt; position: var(--position); top: 99.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1522" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1815">165</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 295.5pt; position: var(--position); top: 99.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1523" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1816">65</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 348.75pt; position: var(--position); top: 99.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1524" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1817">51</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 402pt; position: var(--position); top: 99.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1525" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1818">572</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 443.25pt; position: var(--position); top: 99.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1526" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1819">583</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 111.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Services<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 118.5pt; position: var(--position); top: 111.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1527" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1820">101</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 162.75pt; position: var(--position); top: 111.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1528" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1821">119</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 207pt; position: var(--position); top: 111.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1529" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1822">415</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 251.25pt; position: var(--position); top: 111.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1530" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1823">448</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 295.5pt; position: var(--position); top: 111.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1531" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1824">66</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 348.75pt; position: var(--position); top: 111.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1532" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1825">61</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 402pt; position: var(--position); top: 111.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1533" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1826">582</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 443.25pt; position: var(--position); top: 111.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1534" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1827">628</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 123.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real Estate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 118.5pt; position: var(--position); top: 123.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1535" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1828">592</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 162.75pt; position: var(--position); top: 123.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1536" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1829">172</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 207pt; position: var(--position); top: 123.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1537" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1830">398</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 251.25pt; position: var(--position); top: 123.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1538" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1831">486</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 295.5pt; position: var(--position); top: 123.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1539" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1832">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 348.75pt; position: var(--position); top: 123.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1540" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1833">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 402pt; position: var(--position); top: 123.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1541" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1834">1,053</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 443.25pt; position: var(--position); top: 123.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1542" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1835">712</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 135.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">General Industries<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 118.5pt; position: var(--position); top: 135.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1543" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1836">111</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 162.75pt; position: var(--position); top: 135.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1544" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1837">114</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 207pt; position: var(--position); top: 135.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1545" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1838">270</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 251.25pt; position: var(--position); top: 135.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1546" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1839">268</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 295.5pt; position: var(--position); top: 135.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1547" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1840">115</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 348.75pt; position: var(--position); top: 135.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1548" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1841">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 402pt; position: var(--position); top: 135.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1549" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1842">497</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 443.25pt; position: var(--position); top: 135.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1550" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1843">482</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 147.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Builders &amp; Contractors<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 118.5pt; position: var(--position); top: 147.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1551" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1844">124</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 162.75pt; position: var(--position); top: 147.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1552" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1845">139</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 147.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1553" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1846">291</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 251.25pt; position: var(--position); top: 147.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1554" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1847">244</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 295.5pt; position: var(--position); top: 147.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1555" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1848">162</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 147.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1556" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1849">110</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 402pt; position: var(--position); top: 147.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1557" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1850">577</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 443.25pt; position: var(--position); top: 147.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1558" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1851">493</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 160.5pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 118.5pt; position: var(--position); top: 160.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1559" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1852">207</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 162.75pt; position: var(--position); top: 160.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1560" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1853">98</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 207pt; position: var(--position); top: 160.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1561" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1854">121</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 251.25pt; position: var(--position); top: 160.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1562" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1855">107</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 295.5pt; position: var(--position); top: 160.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1563" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1856">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 348.75pt; position: var(--position); top: 160.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1564" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1857">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 402pt; position: var(--position); top: 160.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1565" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1858">395</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 443.25pt; position: var(--position); top: 160.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1566" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1859">244</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 172.5pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Utilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 118.5pt; position: var(--position); top: 172.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1567" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1860">331</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 162.75pt; position: var(--position); top: 172.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1568" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1861">387</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 207pt; position: var(--position); top: 172.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1569" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1862">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 251.25pt; position: var(--position); top: 172.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1570" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1863">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 295.5pt; position: var(--position); top: 172.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1571" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1864">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 348.75pt; position: var(--position); top: 172.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1572" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1865">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 402pt; position: var(--position); top: 172.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1573" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1866">348</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 443.25pt; position: var(--position); top: 172.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1574" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1867">401</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 184.5pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Chemicals,<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Health &amp;<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Pharmaceuticals<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 118.5pt; position: var(--position); top: 184.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1575" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1868">101</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 162.75pt; position: var(--position); top: 184.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1576" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1869">175</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 207pt; position: var(--position); top: 184.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1577" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1870">97</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 251.25pt; position: var(--position); top: 184.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1578" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1871">115</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 295.5pt; position: var(--position); top: 184.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1579" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1872">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 348.75pt; position: var(--position); top: 184.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1580" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1873">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 402pt; position: var(--position); top: 184.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1581" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1874">233</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 443.25pt; position: var(--position); top: 184.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1582" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1875">310</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 219.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Telecom<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 118.5pt; position: var(--position); top: 219.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1583" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1876">378</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 162.75pt; position: var(--position); top: 219.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1584" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1877">288</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207pt; position: var(--position); top: 219.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1585" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1878">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 251.25pt; position: var(--position); top: 219.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1586" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1879">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 295.5pt; position: var(--position); top: 219.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1587" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1880">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 348.75pt; position: var(--position); top: 219.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1588" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1881">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 402pt; position: var(--position); top: 219.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1589" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1882">390</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 443.25pt; position: var(--position); top: 219.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1590" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1883">303</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 234pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 118.5pt; position: var(--position); top: 234pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1591" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1884">412</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 162.75pt; position: var(--position); top: 234pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1592" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1885">440</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 207pt; position: var(--position); top: 234pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1593" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1886">270</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 251.25pt; position: var(--position); top: 234pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1594" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1887">260</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 295.5pt; position: var(--position); top: 234pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1595" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1888">66</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 348.75pt; position: var(--position); top: 234pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1596" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1889">52</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 402pt; position: var(--position); top: 234pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1597" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1890">748</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 443.25pt; position: var(--position); top: 234pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1598" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1891">753</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 246pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 118.5pt; position: var(--position); top: 246pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.5pt;"></span></span><span style="left: 18.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1599" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1892">4,034</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 162.75pt; position: var(--position); top: 246pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.5pt;"></span></span><span style="left: 18.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1600" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1893">4,340</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 207pt; position: var(--position); top: 246pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.5pt;"></span></span><span style="left: 18.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1601" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1894">4,583</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 251.25pt; position: var(--position); top: 246pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.5pt;"></span></span><span style="left: 18.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1602" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1895">4,759</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 295.5pt; position: var(--position); top: 246pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.5pt;"></span></span><span style="left: 27.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1603" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1896">3,036</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 348.75pt; position: var(--position); top: 246pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.5pt;"></span></span><span style="left: 27.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1604" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1897">2,592</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 402pt; position: var(--position); top: 246pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.26pt;"></span></span><span style="left: 9.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1605" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1898">11,653</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 38.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 443.25pt; position: var(--position); top: 246pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.26pt;"></span></span><span style="left: 9.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1606" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1899">11,691</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 38.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-1788-1" continuedAt="f-1788-2"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 537.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1 Based on lending and investment outstandings.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">178<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-20" continuedAt="f-117-21"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:continuation id="f-1788-2" continuedAt="f-1788-3"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 147pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 72.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="15" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 996.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 996.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Non-performing Loans: outstandings by economic sectors and geographical area (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 14.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Region<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 940.5pt; position: var(--position); top: 14.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Industry<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.05pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.69pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.65pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.88pt; position: var(--position); text-decoration: none; white-space: pre;">Poland<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.4pt; position: var(--position); text-decoration: none; white-space: pre;">Spain<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447pt; position: var(--position); top: 27pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.55pt; position: var(--position); text-decoration: none; white-space: pre;">United Kingdom<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 524.25pt; position: var(--position); top: 27pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.6pt; position: var(--position); text-decoration: none; white-space: pre;">France<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 580.5pt; position: var(--position); top: 27pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.7pt; position: var(--position); text-decoration: none; white-space: pre;">Luxembourg<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642.75pt; position: var(--position); top: 27pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.11pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 715.5pt; position: var(--position); top: 27pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.97pt; position: var(--position); text-decoration: none; white-space: pre;">America<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771.75pt; position: var(--position); top: 27pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.67pt; position: var(--position); text-decoration: none; white-space: pre;">Asia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 828pt; position: var(--position); top: 27pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.79pt; position: var(--position); text-decoration: none; white-space: pre;">Australia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 27pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.26pt; position: var(--position); text-decoration: none; white-space: pre;">Africa<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 940.5pt; position: var(--position); top: 27pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 32.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Private Individuals<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 39.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1607" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1900">609</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 39.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1608" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1901">1,535</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 39.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1609" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1902">885</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 39.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1610" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1903">225</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 39.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1611" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1904">235</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447pt; position: var(--position); top: 39.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.56pt;"></span></span><span style="left: 69.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1612" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1905">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 524.25pt; position: var(--position); top: 39.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1613" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1906">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 580.5pt; position: var(--position); top: 39.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.5pt;"></span></span><span style="left: 49.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1614" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1907">45</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 59.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642.75pt; position: var(--position); top: 39.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.94pt;"></span></span><span style="left: 54.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1615" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1908">489</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 715.5pt; position: var(--position); top: 39.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1616" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1909">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771.75pt; position: var(--position); top: 39.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1617" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1910">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 828pt; position: var(--position); top: 39.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1618" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1911">380</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 39.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1619" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1912">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 940.5pt; position: var(--position); top: 39.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1620" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1913">4,419</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Natural Resources<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1621" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1914">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1622" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1915">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1623" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1916">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1624" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1917">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 52.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.37pt;"></span></span><span style="left: 57pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1625" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1918"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447pt; position: var(--position); top: 52.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.62pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1626" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1919"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 524.25pt; position: var(--position); top: 52.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1627" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1920"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 580.5pt; position: var(--position); top: 52.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.5pt;"></span></span><span style="left: 49.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1628" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1921">55</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 59.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642.75pt; position: var(--position); top: 52.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.94pt;"></span></span><span style="left: 54.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1629" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1922">164</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 715.5pt; position: var(--position); top: 52.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1630" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1923">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771.75pt; position: var(--position); top: 52.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1631" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1924">369</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 828pt; position: var(--position); top: 52.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1632" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1925"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 52.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1633" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1926">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 940.5pt; position: var(--position); top: 52.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1634" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1927">754</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Food, Beverages &amp; Personal Care<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 65.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1635" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1928">281</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 65.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1636" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1929">157</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 65.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1637" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1930">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 65.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1638" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1931">131</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 65.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.37pt;"></span></span><span style="left: 57pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1639" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1932"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447pt; position: var(--position); top: 65.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.44pt;"></span></span><span style="left: 59.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1640" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1933">139</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 524.25pt; position: var(--position); top: 65.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1641" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1934">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 580.5pt; position: var(--position); top: 65.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.62pt;"></span></span><span style="left: 59.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 59.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1642" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1935"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642.75pt; position: var(--position); top: 65.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.94pt;"></span></span><span style="left: 54.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1643" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1936">158</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 715.5pt; position: var(--position); top: 65.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1644" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1937">82</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771.75pt; position: var(--position); top: 65.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1645" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1938">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 828pt; position: var(--position); top: 65.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1646" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1939"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 65.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1647" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1940"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 940.5pt; position: var(--position); top: 65.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1648" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1941">1,085</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transportation &amp; Logistics<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 78pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1649" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1942">110</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 78pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1650" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1943">50</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 78pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1651" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1944">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 78pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1652" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1945">51</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 78pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1653" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1946">47</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447pt; position: var(--position); top: 78pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.5pt;"></span></span><span style="left: 64.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1654" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1947">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 524.25pt; position: var(--position); top: 78pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1655" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1948"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 580.5pt; position: var(--position); top: 78pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.56pt;"></span></span><span style="left: 54.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1656" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1949">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 59.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642.75pt; position: var(--position); top: 78pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.94pt;"></span></span><span style="left: 54.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1657" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1950">168</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 715.5pt; position: var(--position); top: 78pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1658" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1951">49</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771.75pt; position: var(--position); top: 78pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1659" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1952">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 828pt; position: var(--position); top: 78pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1660" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1953">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 78pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1661" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1954">72</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 940.5pt; position: var(--position); top: 78pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1662" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1955">572</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Services<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 90.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1663" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1956">121</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 90.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1664" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1957">342</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 90.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1665" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1958">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 90.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1666" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1959">55</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 90.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1667" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1960">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447pt; position: var(--position); top: 90.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.62pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1668" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1961"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 524.25pt; position: var(--position); top: 90.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1669" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1962">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 580.5pt; position: var(--position); top: 90.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.56pt;"></span></span><span style="left: 54.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1670" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1963">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 59.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642.75pt; position: var(--position); top: 90.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57pt;"></span></span><span style="left: 59.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1671" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1964">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 715.5pt; position: var(--position); top: 90.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1672" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1965">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771.75pt; position: var(--position); top: 90.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1673" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1966"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 828pt; position: var(--position); top: 90.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1674" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1967"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 90.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1675" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1968"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 940.5pt; position: var(--position); top: 90.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1676" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1969">582</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 103.5pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real Estate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 103.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1677" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1970">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 103.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1678" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1971">297</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 103.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1679" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1972">53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 103.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1680" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1973">55</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 103.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1681" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1974">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447pt; position: var(--position); top: 103.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.62pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1682" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1975"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 524.25pt; position: var(--position); top: 103.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1683" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1976">36</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 580.5pt; position: var(--position); top: 103.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.5pt;"></span></span><span style="left: 49.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1684" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1977">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 59.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642.75pt; position: var(--position); top: 103.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.06pt;"></span></span><span style="left: 64.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1685" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1978">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 715.5pt; position: var(--position); top: 103.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1686" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1979">519</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771.75pt; position: var(--position); top: 103.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1687" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1980"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 828pt; position: var(--position); top: 103.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1688" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1981">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 103.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1689" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1982"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 940.5pt; position: var(--position); top: 103.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1690" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1983">1,053</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 116.25pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">General Industries<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 116.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1691" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1984">145</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 116.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1692" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1985">127</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 116.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1693" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1986">49</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 116.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1694" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1987">99</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 116.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.37pt;"></span></span><span style="left: 57pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1695" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1988"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447pt; position: var(--position); top: 116.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.62pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1696" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1989"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 524.25pt; position: var(--position); top: 116.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1697" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1990">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 580.5pt; position: var(--position); top: 116.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.56pt;"></span></span><span style="left: 54.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1698" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1991">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 59.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642.75pt; position: var(--position); top: 116.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57pt;"></span></span><span style="left: 59.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1699" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1992">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 715.5pt; position: var(--position); top: 116.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1700" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1993">42</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771.75pt; position: var(--position); top: 116.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1701" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1994"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 828pt; position: var(--position); top: 116.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1702" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1995"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 116.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1703" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-1996"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 940.5pt; position: var(--position); top: 116.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1704" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1997">497</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 129pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Builders &amp; Contractors<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 129pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1705" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1998">113</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 129pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1706" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-1999">181</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 129pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1707" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2000">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 129pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1708" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2001">135</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 129pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.37pt;"></span></span><span style="left: 57pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1709" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2002"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447pt; position: var(--position); top: 129pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.62pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1710" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2003"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 524.25pt; position: var(--position); top: 129pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1711" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2004"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 580.5pt; position: var(--position); top: 129pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.5pt;"></span></span><span style="left: 49.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1712" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2005">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 59.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642.75pt; position: var(--position); top: 129pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57pt;"></span></span><span style="left: 59.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1713" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2006">91</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 715.5pt; position: var(--position); top: 129pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1714" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2007">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771.75pt; position: var(--position); top: 129pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1715" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2008"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 828pt; position: var(--position); top: 129pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1716" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2009"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 129pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1717" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2010"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 940.5pt; position: var(--position); top: 129pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1718" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2011">577</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 141.75pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 141.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1719" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2012">51</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 141.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1720" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2013">82</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 141.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1721" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2014">36</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 141.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1722" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2015">52</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 141.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.37pt;"></span></span><span style="left: 57pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1723" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2016"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447pt; position: var(--position); top: 141.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.62pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1724" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2017"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 524.25pt; position: var(--position); top: 141.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1725" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2018">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 580.5pt; position: var(--position); top: 141.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.62pt;"></span></span><span style="left: 59.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 59.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1726" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2019"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642.75pt; position: var(--position); top: 141.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57pt;"></span></span><span style="left: 59.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1727" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2020">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 715.5pt; position: var(--position); top: 141.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1728" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2021">149</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771.75pt; position: var(--position); top: 141.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1729" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2022">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 828pt; position: var(--position); top: 141.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1730" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2023"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 141.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1731" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2024"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 940.5pt; position: var(--position); top: 141.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1732" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2025">395</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 154.5pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Utilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 154.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1733" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2026">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 154.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1734" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2027">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 154.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.37pt;"></span></span><span style="left: 57pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1735" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2028"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 154.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1736" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2029">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 154.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.37pt;"></span></span><span style="left: 57pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1737" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2030"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447pt; position: var(--position); top: 154.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.62pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1738" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2031"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 524.25pt; position: var(--position); top: 154.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1739" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2032"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 580.5pt; position: var(--position); top: 154.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.62pt;"></span></span><span style="left: 59.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 59.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1740" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2033"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642.75pt; position: var(--position); top: 154.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57pt;"></span></span><span style="left: 59.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1741" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2034">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 715.5pt; position: var(--position); top: 154.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1742" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2035">153</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771.75pt; position: var(--position); top: 154.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1743" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2036">138</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 828pt; position: var(--position); top: 154.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1744" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2037"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 154.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1745" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2038"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 940.5pt; position: var(--position); top: 154.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1746" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2039">348</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 167.25pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Chemicals, Health &amp;<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Pharmaceuticals<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 147pt; position: var(--position); top: 167.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1747" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2040">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 207pt; position: var(--position); top: 167.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1748" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2041">77</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 267pt; position: var(--position); top: 167.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1749" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2042">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 327pt; position: var(--position); top: 167.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1750" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2043">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 387pt; position: var(--position); top: 167.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.37pt;"></span></span><span style="left: 57pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1751" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2044"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 447pt; position: var(--position); top: 167.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.62pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1752" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2045"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 524.25pt; position: var(--position); top: 167.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1753" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2046">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 580.5pt; position: var(--position); top: 167.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.62pt;"></span></span><span style="left: 59.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 59.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1754" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2047"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 642.75pt; position: var(--position); top: 167.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57pt;"></span></span><span style="left: 59.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1755" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2048">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 715.5pt; position: var(--position); top: 167.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1756" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2049">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 771.75pt; position: var(--position); top: 167.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1757" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2050"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 828pt; position: var(--position); top: 167.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1758" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2051"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 884.25pt; position: var(--position); top: 167.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1759" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2052"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 940.5pt; position: var(--position); top: 167.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1760" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2053">233</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 191.25pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Telecom<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 191.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1761" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2054">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 191.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1762" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2055">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 191.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1763" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2056">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 191.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1764" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2057">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 191.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.37pt;"></span></span><span style="left: 57pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1765" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2058"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447pt; position: var(--position); top: 191.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.62pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1766" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2059"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 524.25pt; position: var(--position); top: 191.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1767" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2060"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 580.5pt; position: var(--position); top: 191.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.62pt;"></span></span><span style="left: 59.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 59.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1768" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2061"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642.75pt; position: var(--position); top: 191.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57pt;"></span></span><span style="left: 59.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1769" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2062">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 715.5pt; position: var(--position); top: 191.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1770" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2063">56</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771.75pt; position: var(--position); top: 191.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1771" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2064">277</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 828pt; position: var(--position); top: 191.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1772" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2065"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 191.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1773" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2066"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 940.5pt; position: var(--position); top: 191.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1774" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2067">390</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 204pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 204pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1775" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2068">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 204pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1776" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2069">239</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 204pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1777" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2070">42</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 204pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1778" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2071">55</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 204pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.37pt;"></span></span><span style="left: 57pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1779" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2072"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447pt; position: var(--position); top: 204pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.56pt;"></span></span><span style="left: 69.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1780" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2073">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 524.25pt; position: var(--position); top: 204pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1781" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2074">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 580.5pt; position: var(--position); top: 204pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.56pt;"></span></span><span style="left: 54.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1782" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2075">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 59.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642.75pt; position: var(--position); top: 204pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57pt;"></span></span><span style="left: 59.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1783" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2076">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 715.5pt; position: var(--position); top: 204pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1784" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2077">46</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771.75pt; position: var(--position); top: 204pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1785" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2078">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 828pt; position: var(--position); top: 204pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.62pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1786" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2079"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 204pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1787" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2080">179</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 940.5pt; position: var(--position); top: 204pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1788" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2081">748</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 216.75pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 147pt; position: var(--position); top: 216.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.25pt;"></span></span><span style="left: 33.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1789" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2082">1,586</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 216.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.25pt;"></span></span><span style="left: 33.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1790" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2083">3,153</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 216.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.25pt;"></span></span><span style="left: 33.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1791" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2084">1,114</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 216.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.65pt;"></span></span><span style="left: 41.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1792" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2085">929</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 216.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.65pt;"></span></span><span style="left: 41.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1793" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2086">293</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447pt; position: var(--position); top: 216.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.9pt;"></span></span><span style="left: 58.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1794" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2087">165</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 524.25pt; position: var(--position); top: 216.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.9pt;"></span></span><span style="left: 37.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1795" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2088">124</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 580.5pt; position: var(--position); top: 216.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 62.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.9pt;"></span></span><span style="left: 43.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1796" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2089">162</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 59.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642.75pt; position: var(--position); top: 216.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44pt;"></span></span><span style="left: 46.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1797" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2090">1,193</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 715.5pt; position: var(--position); top: 216.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1798" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2091">1,210</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771.75pt; position: var(--position); top: 216.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.5pt;"></span></span><span style="left: 30.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1799" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2092">1,050</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 828pt; position: var(--position); top: 216.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.9pt;"></span></span><span style="left: 37.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1800" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2093">403</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 216.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.9pt;"></span></span><span style="left: 37.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1801" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2094">272</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 940.5pt; position: var(--position); top: 216.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.26pt;"></span></span><span style="left: 24.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1802" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2095">11,653</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><ix:continuation id="f-1788-3"><div style="position: var(--position); top: 299.41pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 998.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 144pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 61.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 61.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 61.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 61.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 71.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 54pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 68.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 54.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="15" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 998.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 998.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Non-performing Loans: outstandings by economic sectors and geographical area (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 144pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 144pt; position: var(--position); top: 14.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Region<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 939pt; position: var(--position); top: 14.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 28.5pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Industry<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 144pt; position: var(--position); top: 28.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.55pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 205.5pt; position: var(--position); top: 28.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.19pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 28.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.15pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 328.5pt; position: var(--position); top: 28.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.38pt; position: var(--position); text-decoration: none; white-space: pre;">Poland<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390pt; position: var(--position); top: 28.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.15pt; position: var(--position); text-decoration: none; white-space: pre;">Spain<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 450.75pt; position: var(--position); top: 28.5pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.67pt; position: var(--position); text-decoration: none; white-space: pre;">United Kingdom<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522pt; position: var(--position); top: 28.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.35pt; position: var(--position); text-decoration: none; white-space: pre;">France<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 576pt; position: var(--position); top: 28.5pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.45pt; position: var(--position); text-decoration: none; white-space: pre;">Luxembourg<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 633pt; position: var(--position); top: 28.5pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.61pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 701.25pt; position: var(--position); top: 28.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.72pt; position: var(--position); text-decoration: none; white-space: pre;">America<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 764.25pt; position: var(--position); top: 28.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.42pt; position: var(--position); text-decoration: none; white-space: pre;">Asia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 827.25pt; position: var(--position); top: 28.5pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.54pt; position: var(--position); text-decoration: none; white-space: pre;">Australia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 28.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.76pt; position: var(--position); text-decoration: none; white-space: pre;">Africa<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 939pt; position: var(--position); top: 28.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 35.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 41.25pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Private Individuals<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 144pt; position: var(--position); top: 41.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.69pt;"></span></span><span style="left: 43.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1803" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2096">574</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 205.5pt; position: var(--position); top: 41.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.47pt;"></span></span><span style="left: 36.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1804" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2097">1,538</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 41.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.69pt;"></span></span><span style="left: 43.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1805" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2098">739</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 328.5pt; position: var(--position); top: 41.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.69pt;"></span></span><span style="left: 43.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1806" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2099">185</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390pt; position: var(--position); top: 41.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1807" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2100">194</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 450.75pt; position: var(--position); top: 41.25pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.56pt;"></span></span><span style="left: 63.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1808" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2101">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522pt; position: var(--position); top: 41.25pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.25pt;"></span></span><span style="left: 40.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1809" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2102">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 576pt; position: var(--position); top: 41.25pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.25pt;"></span></span><span style="left: 43.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1810" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2103">36</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 633pt; position: var(--position); top: 41.25pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.44pt;"></span></span><span style="left: 50.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1811" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2104">470</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 65.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 701.25pt; position: var(--position); top: 41.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.31pt;"></span></span><span style="left: 54.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1812" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2105">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 764.25pt; position: var(--position); top: 41.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.31pt;"></span></span><span style="left: 54.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1813" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2106">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 827.25pt; position: var(--position); top: 41.25pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.19pt;"></span></span><span style="left: 38.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1814" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2107">370</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 41.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.06pt;"></span></span><span style="left: 46.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1815" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2108">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 939pt; position: var(--position); top: 41.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.22pt;"></span></span><span style="left: 33.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1502" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2109">4,129</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 54pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Natural Resources<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 144pt; position: var(--position); top: 54pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1816" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2110">57</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 205.5pt; position: var(--position); top: 54pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1817" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2111">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 54pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.87pt;"></span></span><span style="left: 58.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1818" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2112"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 328.5pt; position: var(--position); top: 54pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1819" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2113">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390pt; position: var(--position); top: 54pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.12pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1820" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2114"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 450.75pt; position: var(--position); top: 54pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.62pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1821" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2115"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522pt; position: var(--position); top: 54pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.37pt;"></span></span><span style="left: 51pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1822" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2116"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 576pt; position: var(--position); top: 54pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.25pt;"></span></span><span style="left: 43.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1823" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2117">53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 633pt; position: var(--position); top: 54pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.44pt;"></span></span><span style="left: 50.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1824" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2118">432</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 65.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 701.25pt; position: var(--position); top: 54pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.25pt;"></span></span><span style="left: 49.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1825" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2119">77</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 764.25pt; position: var(--position); top: 54pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.19pt;"></span></span><span style="left: 44.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1826" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2120">649</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 827.25pt; position: var(--position); top: 54pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.25pt;"></span></span><span style="left: 43.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1827" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2121">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 54pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39pt;"></span></span><span style="left: 41.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1828" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2122">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 939pt; position: var(--position); top: 54pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.22pt;"></span></span><span style="left: 33.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1510" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2123">1,421</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 66.75pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Food, Beverages &amp; Personal Care<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 144pt; position: var(--position); top: 66.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.69pt;"></span></span><span style="left: 43.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1829" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2124">310</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 205.5pt; position: var(--position); top: 66.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.69pt;"></span></span><span style="left: 43.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1830" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2125">179</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 66.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1831" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2126">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 328.5pt; position: var(--position); top: 66.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.69pt;"></span></span><span style="left: 43.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1832" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2127">109</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390pt; position: var(--position); top: 66.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.12pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1833" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2128"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 450.75pt; position: var(--position); top: 66.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.44pt;"></span></span><span style="left: 53.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1834" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2129">173</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522pt; position: var(--position); top: 66.75pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.31pt;"></span></span><span style="left: 45.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1835" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2130">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 576pt; position: var(--position); top: 66.75pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.37pt;"></span></span><span style="left: 54pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1836" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2131"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 633pt; position: var(--position); top: 66.75pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.44pt;"></span></span><span style="left: 50.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1837" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2132">228</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 65.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 701.25pt; position: var(--position); top: 66.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.25pt;"></span></span><span style="left: 49.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1838" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2133">77</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 764.25pt; position: var(--position); top: 66.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.19pt;"></span></span><span style="left: 44.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1839" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2134">126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 827.25pt; position: var(--position); top: 66.75pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.37pt;"></span></span><span style="left: 54pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1840" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2135"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 66.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.12pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1841" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2136"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 939pt; position: var(--position); top: 66.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.22pt;"></span></span><span style="left: 33.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1518" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2137">1,233</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 79.5pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transportation &amp; Logistics<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 144pt; position: var(--position); top: 79.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.69pt;"></span></span><span style="left: 43.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1842" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2138">232</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 205.5pt; position: var(--position); top: 79.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1843" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2139">58</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 79.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.81pt;"></span></span><span style="left: 53.440000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1844" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2140">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 328.5pt; position: var(--position); top: 79.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1845" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2141">36</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390pt; position: var(--position); top: 79.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45pt;"></span></span><span style="left: 47.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1846" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2142">47</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 450.75pt; position: var(--position); top: 79.5pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.5pt;"></span></span><span style="left: 58.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1847" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2143">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522pt; position: var(--position); top: 79.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.37pt;"></span></span><span style="left: 51pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1848" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2144"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 576pt; position: var(--position); top: 79.5pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.31pt;"></span></span><span style="left: 48.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1849" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2145">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 633pt; position: var(--position); top: 79.5pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.44pt;"></span></span><span style="left: 50.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1850" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2146">154</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 65.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 701.25pt; position: var(--position); top: 79.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.25pt;"></span></span><span style="left: 49.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1851" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2147">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 764.25pt; position: var(--position); top: 79.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.31pt;"></span></span><span style="left: 54.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1852" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2148">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 827.25pt; position: var(--position); top: 79.5pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.31pt;"></span></span><span style="left: 48.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1853" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2149">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 79.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.12pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1854" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2150"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 939pt; position: var(--position); top: 79.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1526" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2151">583</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 92.25pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Services<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 144pt; position: var(--position); top: 92.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.69pt;"></span></span><span style="left: 43.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1855" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2152">136</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 205.5pt; position: var(--position); top: 92.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.69pt;"></span></span><span style="left: 43.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1856" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2153">375</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 92.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.81pt;"></span></span><span style="left: 53.440000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1857" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2154">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 328.5pt; position: var(--position); top: 92.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1858" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2155">43</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390pt; position: var(--position); top: 92.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.06pt;"></span></span><span style="left: 52.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1859" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2156">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 450.75pt; position: var(--position); top: 92.25pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.62pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1860" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2157"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522pt; position: var(--position); top: 92.25pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.31pt;"></span></span><span style="left: 45.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1861" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2158">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 576pt; position: var(--position); top: 92.25pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.31pt;"></span></span><span style="left: 48.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1862" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2159">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 633pt; position: var(--position); top: 92.25pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.5pt;"></span></span><span style="left: 55.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1863" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2160">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 65.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 701.25pt; position: var(--position); top: 92.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.25pt;"></span></span><span style="left: 49.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1864" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2161">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 764.25pt; position: var(--position); top: 92.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.37pt;"></span></span><span style="left: 60pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1865" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2162"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 827.25pt; position: var(--position); top: 92.25pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.37pt;"></span></span><span style="left: 54pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1866" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2163"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 92.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.12pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1867" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2164"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 939pt; position: var(--position); top: 92.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1534" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2165">628</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 105pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real Estate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 144pt; position: var(--position); top: 105pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1868" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2166">89</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 205.5pt; position: var(--position); top: 105pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.69pt;"></span></span><span style="left: 43.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1869" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2167">376</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 105pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.87pt;"></span></span><span style="left: 58.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1870" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2168"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 328.5pt; position: var(--position); top: 105pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1871" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2169">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390pt; position: var(--position); top: 105pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.12pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1872" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2170"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 450.75pt; position: var(--position); top: 105pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.5pt;"></span></span><span style="left: 58.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1873" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2171">84</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522pt; position: var(--position); top: 105pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.25pt;"></span></span><span style="left: 40.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1874" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2172">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 576pt; position: var(--position); top: 105pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.25pt;"></span></span><span style="left: 43.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1875" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2173">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 633pt; position: var(--position); top: 105pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.56pt;"></span></span><span style="left: 60.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1876" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2174">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 65.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 701.25pt; position: var(--position); top: 105pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.25pt;"></span></span><span style="left: 49.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1877" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2175">47</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 764.25pt; position: var(--position); top: 105pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.37pt;"></span></span><span style="left: 60pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1878" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2176"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 827.25pt; position: var(--position); top: 105pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.25pt;"></span></span><span style="left: 43.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1879" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2177">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 105pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.12pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1880" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2178"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 939pt; position: var(--position); top: 105pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1542" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2179">712</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 117.75pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">General Industries<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 144pt; position: var(--position); top: 117.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.69pt;"></span></span><span style="left: 43.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1881" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2180">127</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 205.5pt; position: var(--position); top: 117.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.69pt;"></span></span><span style="left: 43.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1882" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2181">142</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 117.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1883" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2182">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 328.5pt; position: var(--position); top: 117.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1884" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2183">78</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390pt; position: var(--position); top: 117.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.12pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1885" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2184"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 450.75pt; position: var(--position); top: 117.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.62pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1886" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2185"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522pt; position: var(--position); top: 117.75pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.25pt;"></span></span><span style="left: 40.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1887" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2186">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 576pt; position: var(--position); top: 117.75pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.31pt;"></span></span><span style="left: 48.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1888" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2187">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 633pt; position: var(--position); top: 117.75pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.5pt;"></span></span><span style="left: 55.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1889" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2188">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 65.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 701.25pt; position: var(--position); top: 117.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.25pt;"></span></span><span style="left: 49.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1890" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2189">58</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 764.25pt; position: var(--position); top: 117.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.37pt;"></span></span><span style="left: 60pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1891" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2190"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 827.25pt; position: var(--position); top: 117.75pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.37pt;"></span></span><span style="left: 54pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1892" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2191"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 117.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.12pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1893" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2192"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 939pt; position: var(--position); top: 117.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1550" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2193">482</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 130.5pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Builders &amp; Contractors<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 144pt; position: var(--position); top: 130.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1894" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2194">65</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 205.5pt; position: var(--position); top: 130.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.69pt;"></span></span><span style="left: 43.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1895" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2195">187</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 130.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.81pt;"></span></span><span style="left: 53.440000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1896" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2196">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 328.5pt; position: var(--position); top: 130.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1897" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2197">86</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390pt; position: var(--position); top: 130.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.12pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1898" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2198"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 450.75pt; position: var(--position); top: 130.5pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.62pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1899" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2199"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522pt; position: var(--position); top: 130.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.37pt;"></span></span><span style="left: 51pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1900" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2200"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 576pt; position: var(--position); top: 130.5pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.25pt;"></span></span><span style="left: 43.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1901" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2201">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 633pt; position: var(--position); top: 130.5pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.44pt;"></span></span><span style="left: 50.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1902" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2202">101</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 65.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 701.25pt; position: var(--position); top: 130.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.25pt;"></span></span><span style="left: 49.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1903" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2203">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 764.25pt; position: var(--position); top: 130.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.37pt;"></span></span><span style="left: 60pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1904" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2204"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 827.25pt; position: var(--position); top: 130.5pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.37pt;"></span></span><span style="left: 54pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1905" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2205"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 130.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.12pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1906" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2206"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 939pt; position: var(--position); top: 130.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1558" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2207">493</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 143.25pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 144pt; position: var(--position); top: 143.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1907" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2208">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 205.5pt; position: var(--position); top: 143.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1908" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2209">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 143.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1909" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2210">38</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 328.5pt; position: var(--position); top: 143.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1910" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2211">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390pt; position: var(--position); top: 143.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.12pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1911" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2212"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 450.75pt; position: var(--position); top: 143.25pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.62pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1912" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2213"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522pt; position: var(--position); top: 143.25pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.25pt;"></span></span><span style="left: 40.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1913" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2214">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 576pt; position: var(--position); top: 143.25pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.31pt;"></span></span><span style="left: 48.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1914" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2215">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 633pt; position: var(--position); top: 143.25pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.5pt;"></span></span><span style="left: 55.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1915" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2216">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 65.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 701.25pt; position: var(--position); top: 143.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.25pt;"></span></span><span style="left: 49.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1916" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2217">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 764.25pt; position: var(--position); top: 143.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.31pt;"></span></span><span style="left: 54.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1917" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2218">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 827.25pt; position: var(--position); top: 143.25pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.31pt;"></span></span><span style="left: 48.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1918" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2219">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 143.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.12pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1919" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2220"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 939pt; position: var(--position); top: 143.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1566" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2221">244</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 156pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Utilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 144pt; position: var(--position); top: 156pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.81pt;"></span></span><span style="left: 53.440000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1920" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2222">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 205.5pt; position: var(--position); top: 156pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.81pt;"></span></span><span style="left: 53.440000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1921" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2223">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 156pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1922" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2224">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 328.5pt; position: var(--position); top: 156pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1923" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2225">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390pt; position: var(--position); top: 156pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.12pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1924" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2226"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 450.75pt; position: var(--position); top: 156pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.62pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1925" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2227"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522pt; position: var(--position); top: 156pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.37pt;"></span></span><span style="left: 51pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1926" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2228"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 576pt; position: var(--position); top: 156pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.37pt;"></span></span><span style="left: 54pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1927" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2229"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 633pt; position: var(--position); top: 156pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.5pt;"></span></span><span style="left: 55.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1928" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2230">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 65.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 701.25pt; position: var(--position); top: 156pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.19pt;"></span></span><span style="left: 44.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1929" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2231">194</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 764.25pt; position: var(--position); top: 156pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.19pt;"></span></span><span style="left: 44.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1930" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2232">129</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 827.25pt; position: var(--position); top: 156pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.37pt;"></span></span><span style="left: 54pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1931" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2233"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 156pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.12pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1932" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2234"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 939pt; position: var(--position); top: 156pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1574" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2235">401</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 168.75pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Chemicals, Health &amp;<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Pharmaceuticals<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 144pt; position: var(--position); top: 168.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1933" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2236">51</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 205.5pt; position: var(--position); top: 168.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.69pt;"></span></span><span style="left: 43.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1934" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2237">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 267pt; position: var(--position); top: 168.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.81pt;"></span></span><span style="left: 53.440000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1935" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2238">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 328.5pt; position: var(--position); top: 168.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1936" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2239">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 390pt; position: var(--position); top: 168.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.12pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1937" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2240"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 450.75pt; position: var(--position); top: 168.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.5pt;"></span></span><span style="left: 58.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1938" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2241">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 522pt; position: var(--position); top: 168.75pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.19pt;"></span></span><span style="left: 35.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1939" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2242">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 576pt; position: var(--position); top: 168.75pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.37pt;"></span></span><span style="left: 54pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1940" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2243"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 633pt; position: var(--position); top: 168.75pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.5pt;"></span></span><span style="left: 55.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1941" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2244">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 65.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 701.25pt; position: var(--position); top: 168.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.37pt;"></span></span><span style="left: 60pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1942" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2245"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 764.25pt; position: var(--position); top: 168.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.37pt;"></span></span><span style="left: 60pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1943" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2246"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 827.25pt; position: var(--position); top: 168.75pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.37pt;"></span></span><span style="left: 54pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1944" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2247"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 884.25pt; position: var(--position); top: 168.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.12pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1945" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2248"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 939pt; position: var(--position); top: 168.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1582" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2249">310</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 192.75pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Telecom<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 144pt; position: var(--position); top: 192.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1946" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2250">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 205.5pt; position: var(--position); top: 192.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.81pt;"></span></span><span style="left: 53.440000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1947" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2251">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 192.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.87pt;"></span></span><span style="left: 58.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1948" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2252"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 328.5pt; position: var(--position); top: 192.75pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.81pt;"></span></span><span style="left: 53.440000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1949" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2253">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390pt; position: var(--position); top: 192.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.12pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1950" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2254"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 450.75pt; position: var(--position); top: 192.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.62pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1951" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2255"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522pt; position: var(--position); top: 192.75pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.37pt;"></span></span><span style="left: 51pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1952" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2256"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 576pt; position: var(--position); top: 192.75pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.37pt;"></span></span><span style="left: 54pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1953" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2257"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 633pt; position: var(--position); top: 192.75pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.62pt;"></span></span><span style="left: 65.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 65.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1954" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2258"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 701.25pt; position: var(--position); top: 192.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.31pt;"></span></span><span style="left: 54.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1955" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2259">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 764.25pt; position: var(--position); top: 192.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.19pt;"></span></span><span style="left: 44.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1956" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2260">270</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 827.25pt; position: var(--position); top: 192.75pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.37pt;"></span></span><span style="left: 54pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1957" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2261"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 192.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.12pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1958" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2262"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 939pt; position: var(--position); top: 192.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1590" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2263">303</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 205.5pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 144pt; position: var(--position); top: 205.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1959" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2264">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 205.5pt; position: var(--position); top: 205.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.69pt;"></span></span><span style="left: 43.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1960" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2265">232</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 205.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1961" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2266">48</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 328.5pt; position: var(--position); top: 205.5pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.75pt;"></span></span><span style="left: 48.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1962" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2267">38</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 58.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390pt; position: var(--position); top: 205.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.12pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1963" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2268"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 450.75pt; position: var(--position); top: 205.5pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.5pt;"></span></span><span style="left: 58.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1964" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2269">50</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522pt; position: var(--position); top: 205.5pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.37pt;"></span></span><span style="left: 51pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1965" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2270"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 576pt; position: var(--position); top: 205.5pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.25pt;"></span></span><span style="left: 43.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1966" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2271">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 633pt; position: var(--position); top: 205.5pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.5pt;"></span></span><span style="left: 55.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1967" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2272">79</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 65.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 701.25pt; position: var(--position); top: 205.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.25pt;"></span></span><span style="left: 49.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1968" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2273">75</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 764.25pt; position: var(--position); top: 205.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.19pt;"></span></span><span style="left: 44.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1969" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2274">130</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 60pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 827.25pt; position: var(--position); top: 205.5pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.37pt;"></span></span><span style="left: 54pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1970" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-2275"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 205.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39pt;"></span></span><span style="left: 41.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1971" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2276">51</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 939pt; position: var(--position); top: 205.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.44pt;"></span></span><span style="left: 41.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1598" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2277">753</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 56.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 218.25pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 144pt; position: var(--position); top: 218.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.75pt;"></span></span><span style="left: 35.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1972" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2278">1,742</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 58.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 205.5pt; position: var(--position); top: 218.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.75pt;"></span></span><span style="left: 35.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1973" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2279">3,312</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 58.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 218.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.15pt;"></span></span><span style="left: 42.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1974" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2280">899</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 58.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 328.5pt; position: var(--position); top: 218.25pt; width: 61.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 61.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.15pt;"></span></span><span style="left: 42.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1975" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2281">710</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 58.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390pt; position: var(--position); top: 218.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.4pt;"></span></span><span style="left: 42.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1976" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2282">246</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 450.75pt; position: var(--position); top: 218.25pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.9pt;"></span></span><span style="left: 52.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1977" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2283">344</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 68.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522pt; position: var(--position); top: 218.25pt; width: 54pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.65pt;"></span></span><span style="left: 35.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1978" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2284">196</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 51.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 576pt; position: var(--position); top: 218.25pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.65pt;"></span></span><span style="left: 38.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1979" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2285">145</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 633pt; position: var(--position); top: 218.25pt; width: 68.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 68.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.5pt;"></span></span><span style="left: 42.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1980" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2286">1,578</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 65.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 701.25pt; position: var(--position); top: 218.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.65pt;"></span></span><span style="left: 44.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1981" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2287">654</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 60.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 764.25pt; position: var(--position); top: 218.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.25pt;"></span></span><span style="left: 36.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1982" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2288">1,324</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 60.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 827.25pt; position: var(--position); top: 218.25pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.65pt;"></span></span><span style="left: 38.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1983" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2289">470</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 884.25pt; position: var(--position); top: 218.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.64pt;"></span></span><span style="left: 41.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1984" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2290">72</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 51.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 939pt; position: var(--position); top: 218.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.26pt;"></span></span><span style="left: 27.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1606" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2291">11,691</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 56.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">179<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-21" continuedAt="f-117-22"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, the NPL portfolio stayed relatively flat at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 261.65999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 269.78999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1802" decimals="-8" name="ifrs-full:FinancialAssets" scale="9" id="f-2292">11.7</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 289.09000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> billion. An increase in Challengers and Growth retail <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 43.15pt; position: var(--position); text-decoration: none; white-space: pre;">+&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.41pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1985" decimals="-8" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="9" id="f-2293">0.4</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.08pt; position: var(--position); text-decoration: none; white-space: pre;"> billion) was offset by decreases in Wholesale Banking (-&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 323.05999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1986" decimals="-8" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="9" id="f-2294">0.3</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 336.73pt; position: var(--position); text-decoration: none; white-space: pre;"> billion) and Retail Benelux (-&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 468.79999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1987" decimals="-8" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="9" id="f-2295">0.2</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 482.47pt; position: var(--position); text-decoration: none; white-space: pre;"> bill<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 497.5pt; position: var(--position); text-decoration: none; white-space: pre;">ion). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The increase in Challengers &amp; Growth Markets was mainly witnessed in private individuals. In Wholesale <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Banking, the decrease in the Natural Resources sector was partially compensated by an increase in Real <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Estate sector, especially in the Americas. The top three countries by NPL outstanding are Belgium, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands and the Americas.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 153.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Loan loss provisioning (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING recognises loss allowances based on the expected credit loss (ECL) model of IFRS 9, which is designed to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be forward-looking. The IFRS 9 impairment requirements are applicable to on-balance sheet financial assets <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 196.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">measured at amortised cost or fair value through other comprehensive income (FVOCI), such as loans, debt <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 208.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">securities and lease receivables, as well as off-balance-sheet items such as undrawn loan commitments, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 220.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial- and non-financial guarantees issued. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING distinguishes between two types of calculation methods for credit loss allowances:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 259.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Collective 12-month ECL (Stage 1) and collective lifetime ECL (Stage 2) for portfolios of financial <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 272.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">instruments, as well as collective lifetime ECL for credit-impaired exposures (Stage 3) below &#8364;1 million;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 284.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Individual lifetime ECL for credit-impaired (Stage 3) financial instruments with exposures above &#8364;1 <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 297.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">million.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 327.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">IFRS 9 models (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 345.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING's IFRS 9 models leverage on the internal rating-based (IRB) models (PD, LGD, EAD), which include certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 357.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">required conservatism. To include IFRS 9 requirements, such regulatory conservatism is removed from the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 369.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ECL parameters (PD, LGD and EAD). The IFRS 9 models apply two other types of adjustments to the IRB ECL <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 381.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">parameters: (i) to the economic outlook and (ii) for Stage 2 and Stage 3 assets only, to the lifetime horizon. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 393.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The IFRS 9 model parameters are estimated based on statistical techniques and supported by expert <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">judgement.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING has aligned the definition of default for regulatory purposes with the definition of &#8216;credit-impaired&#8217; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial assets under IFRS 9 (Stage 3). ING has also aligned its definition of default between IFRS9 and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory technical standards (RTS) and EBA guidelines. More information can be found in section 1.5.6 of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Climate and environmental risks in IFRS 9 models (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Climate risk drivers (physical and transition risks) can reduce the ability of businesses and households to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">fulfil their obligations due on existing lending contracts. These may also lead to depreciation/ erosion of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">collateral values which would translate into higher credit losses and loan-to-value ratios in the lending <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio of ING.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 146.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">At this point in time it is not yet possible to incorporate climate risk separately into IFRS 9 ECL models given <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 158.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the lack of sufficient empirical historical data and data limitations in the risk assessments on client level.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 185.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Where climate and environmental factors have impacted the economy in the recent past or present, these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 197.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">impacts will currently be implicitly embedded in ING's IFRS9 ECL models through the projected <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 209.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">macroeconomic indicators (e.g. indirectly via GDP growth and unemployment rates). We note however that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 221.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our ECL models are primarily sensitive to the short-term economic outlook as we use a three-year time <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 233.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">horizon for macroeconomic outlook, after which a mean reversion approach is applied.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 260.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">With regard to our evaluation of climate-related matters, where such events have already occurred (e.g. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 272.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">floods, stranded assets etc.), the impact of such events is individually assessed in the calculation of Stage 3 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 284.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Individual provisions or management adjustments to ECL models. For example, we consider whether <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 296.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">affected assets have suffered from a significant increase in credit risk (or are credit impaired) and whether <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 308.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the ECL is appropriate.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 335.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Over the near-term time horizon, ING plans to continue to refine its methodologies to evaluate climate risks. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 347.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING is working on putting into practice quantitative methodologies for climate and environmental (C&amp;E) risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 359.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">identification, materiality assessment and risk appetite setting. Refer to ESG risk paragraph for further <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 371.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">details on ESG risk management. Going forward, ING aims to continue to close the gaps on climate risk data, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 383.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which will enable us to embed climate risks eventually into the IFRS 9 ECL models. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">180<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 998.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 221.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 55.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 55.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 55.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 55.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 55.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 55.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 55.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 55.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 55.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 55.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 55.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 55.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 55.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 55.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="15" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 998.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 998.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Reconciliation gross carrying amount (IFRS 9 eligible) and statement of financial position<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 221.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 221.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="7" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 221.25pt; position: var(--position); top: 14.25pt; width: 388.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 388.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 364.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="7" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 609.75pt; position: var(--position); top: 14.25pt; width: 388.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 388.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 364.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 45.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 221.25pt; position: var(--position); top: 28.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.41pt; position: var(--position); text-decoration: none; white-space: pre;"> Gross <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.74pt; position: var(--position); text-decoration: none; white-space: pre;">Carrying <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.68pt; position: var(--position); text-decoration: none; white-space: pre;">Amount&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 276.75pt; position: var(--position); top: 28.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.03pt; position: var(--position); text-decoration: none; white-space: pre;">Loan Loss <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.91pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 332.25pt; position: var(--position); top: 28.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.85pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.68pt; position: var(--position); text-decoration: none; white-space: pre;">Cash&#160;and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.32pt; position: var(--position); text-decoration: none; white-space: pre;">on-demand <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.16pt; position: var(--position); text-decoration: none; white-space: pre;">bank <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.96pt; position: var(--position); text-decoration: none; white-space: pre;">positions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 387.75pt; position: var(--position); top: 28.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.54pt; position: var(--position); text-decoration: none; white-space: pre;">Reverse <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.87pt; position: var(--position); text-decoration: none; white-space: pre;">Repurchase <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.9pt; position: var(--position); text-decoration: none; white-space: pre;">transactions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 443.25pt; position: var(--position); top: 28.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.43pt; position: var(--position); text-decoration: none; white-space: pre;">Cash <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.62pt; position: var(--position); text-decoration: none; white-space: pre;">collateral<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 498.75pt; position: var(--position); top: 28.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.73pt; position: var(--position); text-decoration: none; white-space: pre;">Other&#160;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 554.25pt; position: var(--position); top: 28.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.82pt; position: var(--position); text-decoration: none; white-space: pre;"> Statement <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.32pt; position: var(--position); text-decoration: none; white-space: pre;">of&#160; financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.49pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;position&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 609.75pt; position: var(--position); top: 28.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.41pt; position: var(--position); text-decoration: none; white-space: pre;"> Gross <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.74pt; position: var(--position); text-decoration: none; white-space: pre;">Carrying <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.68pt; position: var(--position); text-decoration: none; white-space: pre;">Amount&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 665.25pt; position: var(--position); top: 28.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.03pt; position: var(--position); text-decoration: none; white-space: pre;">Loan Loss <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.91pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 720.75pt; position: var(--position); top: 28.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.85pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.68pt; position: var(--position); text-decoration: none; white-space: pre;">Cash&#160;and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.32pt; position: var(--position); text-decoration: none; white-space: pre;">on-demand <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.16pt; position: var(--position); text-decoration: none; white-space: pre;">bank <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.96pt; position: var(--position); text-decoration: none; white-space: pre;">positions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 776.25pt; position: var(--position); top: 28.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.54pt; position: var(--position); text-decoration: none; white-space: pre;">Reverse <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.87pt; position: var(--position); text-decoration: none; white-space: pre;">Repurchase <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.9pt; position: var(--position); text-decoration: none; white-space: pre;">transactions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 831.75pt; position: var(--position); top: 28.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.43pt; position: var(--position); text-decoration: none; white-space: pre;">Cash <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.62pt; position: var(--position); text-decoration: none; white-space: pre;">collateral<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 887.25pt; position: var(--position); top: 28.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.73pt; position: var(--position); text-decoration: none; white-space: pre;">Other&#160;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 942.75pt; position: var(--position); top: 28.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.82pt; position: var(--position); text-decoration: none; white-space: pre;"> Statement <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.57pt; position: var(--position); text-decoration: none; white-space: pre;">of financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.49pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;position&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 74.25pt; width: 221.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 221.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts held at Central Banks&#160;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 221.25pt; position: var(--position); top: 74.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.41pt;"></span></span><span style="left: 25.04pt; position: var(--position);">90,602<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276.75pt; position: var(--position); top: 74.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.46pt;"></span></span><span style="left: 44.09pt; position: var(--position);">-5<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 332.25pt; position: var(--position); top: 74.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.34pt;"></span></span><span style="left: 33.97pt; position: var(--position);">-794<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 498.75pt; position: var(--position); top: 74.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">410<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 554.25pt; position: var(--position); top: 74.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.41pt;"></span></span><span style="left: 25.04pt; position: var(--position);">90,214<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 609.75pt; position: var(--position); top: 74.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.41pt;"></span></span><span style="left: 25.04pt; position: var(--position);">88,349<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 665.25pt; position: var(--position); top: 74.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.4pt;"></span></span><span style="left: 39.03pt; position: var(--position);">-12<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 720.75pt; position: var(--position); top: 74.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.12pt;"></span></span><span style="left: 26.75pt; position: var(--position);">-1,170<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 887.25pt; position: var(--position); top: 74.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">448<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 942.75pt; position: var(--position); top: 74.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.41pt;"></span></span><span style="left: 25.04pt; position: var(--position);">87,614<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 88.5pt; width: 221.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 221.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and Advances to Banks&#160;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 221.25pt; position: var(--position); top: 88.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.47pt;"></span></span><span style="left: 30.099999999999998pt; position: var(--position);">5,835<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276.75pt; position: var(--position); top: 88.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.4pt;"></span></span><span style="left: 39.03pt; position: var(--position);">-30<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 332.25pt; position: var(--position); top: 88.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.47pt;"></span></span><span style="left: 30.099999999999998pt; position: var(--position);">2,381<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 88.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.47pt;"></span></span><span style="left: 30.099999999999998pt; position: var(--position);">5,251<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 443.25pt; position: var(--position); top: 88.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.47pt;"></span></span><span style="left: 30.099999999999998pt; position: var(--position);">3,063<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 498.75pt; position: var(--position); top: 88.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">209<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 554.25pt; position: var(--position); top: 88.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.41pt;"></span></span><span style="left: 25.04pt; position: var(--position);">16,709<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 609.75pt; position: var(--position); top: 88.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.47pt;"></span></span><span style="left: 30.099999999999998pt; position: var(--position);">8,796<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 665.25pt; position: var(--position); top: 88.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.4pt;"></span></span><span style="left: 39.03pt; position: var(--position);">-37<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 720.75pt; position: var(--position); top: 88.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.47pt;"></span></span><span style="left: 30.099999999999998pt; position: var(--position);">2,851<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 776.25pt; position: var(--position); top: 88.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.41pt;"></span></span><span style="left: 25.04pt; position: var(--position);">19,395<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 831.75pt; position: var(--position); top: 88.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.47pt;"></span></span><span style="left: 30.099999999999998pt; position: var(--position);">3,679<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 887.25pt; position: var(--position); top: 88.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">420<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 942.75pt; position: var(--position); top: 88.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; 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text-decoration: none; white-space: pre;">Financial&#160;Instruments&#160;FVOCI&#160;Loans&#160;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 221.25pt; position: var(--position); top: 102.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">983<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; 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position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">640<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 665.25pt; position: var(--position); top: 102.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.46pt;"></span></span><span style="left: 44.09pt; position: var(--position);">-1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 887.25pt; position: var(--position); top: 102.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.81pt;"></span></span><span style="left: 47.440000000000005pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 942.75pt; position: var(--position); top: 102.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">643<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 117pt; width: 221.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 221.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Instruments FVOCI Debt securities&#160;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 221.25pt; position: var(--position); top: 117pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.41pt;"></span></span><span style="left: 25.04pt; position: var(--position);">38,323<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276.75pt; position: var(--position); top: 117pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.4pt;"></span></span><span style="left: 39.03pt; position: var(--position);">-13<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 498.75pt; position: var(--position); top: 117pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.4pt;"></span></span><span style="left: 39.03pt; position: var(--position);">-30<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 554.25pt; position: var(--position); top: 117pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.41pt;"></span></span><span style="left: 25.04pt; position: var(--position);">38,281<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 609.75pt; position: var(--position); top: 117pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.41pt;"></span></span><span style="left: 25.04pt; position: var(--position);">28,752<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 665.25pt; position: var(--position); top: 117pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.4pt;"></span></span><span style="left: 39.03pt; position: var(--position);">-21<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 887.25pt; position: var(--position); top: 117pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">364<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 942.75pt; position: var(--position); top: 117pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.41pt;"></span></span><span style="left: 25.04pt; position: var(--position);">29,095<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 131.25pt; width: 221.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 221.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Securities&#160;at&#160;Amortised&#160;Cost&#160;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 221.25pt; position: var(--position); top: 131.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.41pt;"></span></span><span style="left: 25.04pt; position: var(--position);">48,770<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276.75pt; position: var(--position); top: 131.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.4pt;"></span></span><span style="left: 39.03pt; position: var(--position);">-22<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 498.75pt; position: var(--position); top: 131.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.34pt;"></span></span><span style="left: 33.97pt; position: var(--position);">-435<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 554.25pt; position: var(--position); top: 131.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.41pt;"></span></span><span style="left: 25.04pt; position: var(--position);">48,313<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 609.75pt; position: var(--position); top: 131.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.41pt;"></span></span><span style="left: 25.04pt; position: var(--position);">48,372<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 665.25pt; position: var(--position); top: 131.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.4pt;"></span></span><span style="left: 39.03pt; position: var(--position);">-17<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 887.25pt; position: var(--position); top: 131.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.34pt;"></span></span><span style="left: 33.97pt; position: var(--position);">-195<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 942.75pt; position: var(--position); top: 131.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.41pt;"></span></span><span style="left: 25.04pt; position: var(--position);">48,160<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 145.5pt; width: 221.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 221.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and Advances to customers&#160;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 221.25pt; position: var(--position); top: 145.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.35pt;"></span></span><span style="left: 19.98pt; position: var(--position);">647,875<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276.75pt; position: var(--position); top: 145.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.12pt;"></span></span><span style="left: 26.75pt; position: var(--position);">-5,621<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 145.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">499<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 443.25pt; position: var(--position); top: 145.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.47pt;"></span></span><span style="left: 30.099999999999998pt; position: var(--position);">3,914<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 498.75pt; position: var(--position); top: 145.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">646<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 554.25pt; position: var(--position); top: 145.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.35pt;"></span></span><span style="left: 19.98pt; position: var(--position);">647,313<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 609.75pt; position: var(--position); top: 145.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.35pt;"></span></span><span style="left: 19.98pt; position: var(--position);">642,678<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 665.25pt; position: var(--position); top: 145.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.12pt;"></span></span><span style="left: 26.75pt; position: var(--position);">-5,984<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 776.25pt; position: var(--position); top: 145.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.47pt;"></span></span><span style="left: 30.099999999999998pt; position: var(--position);">1,306<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 831.75pt; position: var(--position); top: 145.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.47pt;"></span></span><span style="left: 30.099999999999998pt; position: var(--position);">4,176<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 887.25pt; position: var(--position); top: 145.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.47pt;"></span></span><span style="left: 30.099999999999998pt; position: var(--position);">2,717<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 942.75pt; position: var(--position); top: 145.5pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.35pt;"></span></span><span style="left: 19.98pt; position: var(--position);">644,893<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 159.75pt; width: 221.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 221.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total on-balance (IFRS 9 eligible)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 221.25pt; position: var(--position); top: 159.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.27pt;"></span></span><span style="left: 18.9pt; position: var(--position);">832,388<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276.75pt; position: var(--position); top: 159.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.27pt;"></span></span><span style="left: 25.9pt; position: var(--position);">-5,697<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 332.25pt; position: var(--position); top: 159.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.75pt;"></span></span><span style="left: 29.38pt; position: var(--position);">1,587<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 159.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.75pt;"></span></span><span style="left: 29.38pt; position: var(--position);">5,750<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 443.25pt; position: var(--position); top: 159.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.75pt;"></span></span><span style="left: 29.38pt; position: var(--position);">6,978<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 498.75pt; position: var(--position); top: 159.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.15pt;"></span></span><span style="left: 36.78pt; position: var(--position);">775<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 554.25pt; position: var(--position); top: 159.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.27pt;"></span></span><span style="left: 18.9pt; position: var(--position);">841,780<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 609.75pt; position: var(--position); top: 159.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.27pt;"></span></span><span style="left: 18.9pt; position: var(--position);">817,587<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 665.25pt; position: var(--position); top: 159.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.27pt;"></span></span><span style="left: 25.9pt; position: var(--position);">-6,072<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 720.75pt; position: var(--position); top: 159.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.75pt;"></span></span><span style="left: 29.38pt; position: var(--position);">1,681<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 776.25pt; position: var(--position); top: 159.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.51pt;"></span></span><span style="left: 24.14pt; position: var(--position);">20,701<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 831.75pt; position: var(--position); top: 159.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.75pt;"></span></span><span style="left: 29.38pt; position: var(--position);">7,855<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 887.25pt; position: var(--position); top: 159.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.75pt;"></span></span><span style="left: 29.38pt; position: var(--position);">3,758<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 942.75pt; position: var(--position); top: 159.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.27pt;"></span></span><span style="left: 18.9pt; position: var(--position);">845,509<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 174pt; width: 221.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 221.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Guarantees and irrevocable facilities (IFRS 9 eligible)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 221.25pt; position: var(--position); top: 174pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.35pt;"></span></span><span style="left: 19.98pt; position: var(--position);">192,655<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276.75pt; position: var(--position); top: 174pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.34pt;"></span></span><span style="left: 33.97pt; position: var(--position);">-142<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 609.75pt; position: var(--position); top: 174pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.35pt;"></span></span><span style="left: 19.98pt; position: var(--position);">150,068<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 665.25pt; position: var(--position); top: 174pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.4pt;"></span></span><span style="left: 39.03pt; position: var(--position);">-29<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 188.25pt; width: 221.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 221.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total Gross Carrying Amount (IFRS 9&#160;eligible)&#160;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 221.25pt; position: var(--position); top: 188.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.87pt;"></span></span><span style="left: 11.5pt; position: var(--position);">1,025,043<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 276.75pt; position: var(--position); top: 188.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.27pt;"></span></span><span style="left: 25.9pt; position: var(--position);">-5,839<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 609.75pt; position: var(--position); top: 188.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.27pt;"></span></span><span style="left: 18.9pt; position: var(--position);">967,655<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 665.25pt; position: var(--position); top: 188.25pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.27pt;"></span></span><span style="left: 25.9pt; position: var(--position);">-6,101<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This table presents the reconciliation between the statement of financial position and the gross carrying <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">amounts used for calculating the expected credit losses. No expected credit loss is calculated for cash, on-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">demand bank positions, reverse repurchase transactions, cash collateral received in respect of derivatives <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and other. Therefore these amounts are not included in the total gross carrying amount (IFRS 9 eligible). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Other includes value adjustments on hedged items, deferred acquisition costs on residential mortgages and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a receivable which is offset against a liquidity facility.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group changed its accounting policy for non-financial guarantees that are subject to contractual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 402.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">indemnification rights (such as performance and other non-financial guarantees as well as letters of credit) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">from IAS 37 principles to loan commitment accounting under IFRS 9. The re-scoping was triggered by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">introduction of IFRS 17 insurance contracts and results in reliable and more relevant information. The off-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">balance-sheet IFRS 9 eligible guarantees and irrevocable facilities of 31 December 2022 have not been <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">restated to conform to current year presentation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 305.16pt; width: 1080pt;"><ix:continuation id="f-117-22" continuedAt="f-117-23"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Portfolio quality (*)<span style="display: inline-block; height: 9pt;"></span></span></ix:continuation></div><ix:continuation id="f-117-23" continuedAt="f-117-24"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 323.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The table below describes the portfolio composition over the different IFRS 9 stages and rating classes. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 335.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 1 portfolio represents<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 678.78pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 681.28pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1988" decimals="3" name="ing:PercentageOfFinancialAssets" scale="-2" id="f-2296">91.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 709.1899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 742.3pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1989" decimals="3" name="ing:PercentageOfFinancialAssets" scale="-2" id="f-2297">91.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 770.21pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 775.89pt; position: var(--position); text-decoration: none; white-space: pre;">of the total gross carrying amounts, mainly composed of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 347.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">investment grade, while Stage 2 makes up<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 744.8299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 747.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1990" decimals="3" name="ing:PercentageOfFinancialAssets" scale="-2" id="f-2298">7.4</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 769.61pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 802.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1991" decimals="3" name="ing:PercentageOfFinancialAssets" scale="-2" id="f-2299">7.3</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 825pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 830.6800000000001pt; position: var(--position); text-decoration: none; white-space: pre;">and Stage 3 makes up<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 930.04pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 932.54pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1992" decimals="3" name="ing:PercentageOfFinancialAssets" scale="-2" id="f-2300">1.2</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 954.8199999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 987.9300000000001pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1993" decimals="3" name="ing:PercentageOfFinancialAssets" scale="-2" id="f-2301">1.2</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1010.21pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1015.89pt; position: var(--position); text-decoration: none; white-space: pre;">of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 359.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the total gross carrying amounts, respectively.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">181<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-24" continuedAt="f-117-25"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:GrossCarryingAmountPerIFRS9StageAndRatingClassExplanatoryTableTextBlock" id="f-2302" continuedAt="f-2302-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 105pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 72.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="10" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Gross carrying amount per IFRS 9 stage and rating class (*)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ffffff; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 276.11pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">1,2,3<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 177.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 177.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 177.75pt; position: var(--position); top: 14.25pt; width: 205.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.56pt; width: 205.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 53.81pt; position: var(--position); text-decoration: none; white-space: pre;">12-month ECL (Stage 1)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 383.25pt; position: var(--position); top: 14.25pt; width: 205.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.56pt; width: 205.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.47pt; position: var(--position); text-decoration: none; white-space: pre;">Lifetime ECL not credit impaired (Stage 2)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 588.75pt; position: var(--position); top: 14.25pt; width: 205.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.56pt; width: 205.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.59pt; position: var(--position); text-decoration: none; white-space: pre;">Lifetime ECL credit impaired (Stage 3)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 794.25pt; position: var(--position); top: 14.25pt; width: 205.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.56pt; width: 205.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 92.1pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 28.5pt; width: 177.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 177.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 177.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 177.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rating class<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 177.75pt; position: var(--position); top: 41.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.3pt; position: var(--position); text-decoration: none; white-space: pre;">Gross Carrying Amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 280.5pt; position: var(--position); top: 41.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 58.33pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 383.25pt; position: var(--position); top: 41.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.3pt; position: var(--position); text-decoration: none; white-space: pre;">Gross Carrying Amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 486pt; position: var(--position); top: 41.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 58.33pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 588.75pt; position: var(--position); top: 41.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.3pt; position: var(--position); text-decoration: none; white-space: pre;">Gross Carrying Amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 691.5pt; position: var(--position); top: 41.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 58.33pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 794.25pt; position: var(--position); top: 41.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.3pt; position: var(--position); text-decoration: none; white-space: pre;">Gross Carrying Amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 897pt; position: var(--position); top: 41.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 58.33pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="4" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 51pt; left: 0pt; position: var(--position); top: 55.5pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 21.56pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment grade<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 55.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1 (AAA)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 55.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1994" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2303">87,071</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 55.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.06pt;"></span></span><span style="left: 94.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1995" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2304">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 55.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1996" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2305">439</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 55.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 55.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 55.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 55.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1997" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2306">87,510</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 55.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.06pt;"></span></span><span style="left: 94.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1998" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2307">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 68.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2-4 (AA)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 68.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1999" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2308">132,159</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 68.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.06pt;"></span></span><span style="left: 94.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2000" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2309">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 68.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2001" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2310">2,553</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 68.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.06pt;"></span></span><span style="left: 94.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2002" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2311">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 68.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 68.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 68.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2003" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2312">134,711</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 68.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.06pt;"></span></span><span style="left: 94.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2004" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2313">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 81pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5-7 (A)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 81pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2005" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2314">231,018</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 81pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87pt;"></span></span><span style="left: 89.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2006" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2315">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 81pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2007" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2316">6,188</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 81pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.06pt;"></span></span><span style="left: 94.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2008" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2317">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 81pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 81pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 81pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2009" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2318">237,206</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 81pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87pt;"></span></span><span style="left: 89.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2010" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2319">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 93.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">8-10 (BBB)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 93.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2011" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2320">302,967</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 93.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87pt;"></span></span><span style="left: 89.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2012" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2321">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 93.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2013" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2322">17,004</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 93.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87pt;"></span></span><span style="left: 89.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2014" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2323">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 93.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 93.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 93.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2015" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2324">319,971</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 93.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2016" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2325">108</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="3" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 0pt; position: var(--position); top: 106.5pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.19pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-Investment grade<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 106.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">11-13 (BB)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 106.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2017" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2326">157,387</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 106.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2018" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2327">226</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 106.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2019" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2328">19,273</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 106.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87pt;"></span></span><span style="left: 89.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2020" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2329">93</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 106.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 106.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 106.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2021" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2330">176,661</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 106.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2022" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2331">319</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 119.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">14-16 (B)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 119.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2023" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2332">26,414</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 119.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2024" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2333">164</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 119.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2025" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2334">19,336</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 119.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2026" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2335">455</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 119.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 119.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 119.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2027" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2336">45,750</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 119.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2028" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2337">618</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 132pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">17 (CCC)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 132pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2029" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2338">617</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 132pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87pt;"></span></span><span style="left: 89.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2030" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2339">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 132pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2031" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2340">4,125</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 132pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2032" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2341">233</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 132pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 132pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 132pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2033" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2342">4,742</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 132pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2034" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2343">242</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 25.5pt; left: 0pt; position: var(--position); top: 144.75pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.41pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Performing <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.21pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Restructuring<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 144.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">18 (CC)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 144.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 144.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 144.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2035" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2344">4,617</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 144.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2036" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2345">402</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 144.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 144.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 144.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2037" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2346">4,617</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 144.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2038" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2347">402</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 157.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">19 (C)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 157.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 157.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 157.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2039" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2348">1,919</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 157.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2040" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2349">221</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 157.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 157.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 157.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2041" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2350">1,919</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 157.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2042" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2351">221</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 170.25pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-performing loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 170.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">20-22 (D)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 170.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 170.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 170.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 170.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 170.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2043" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2352">11,956</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 170.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2044" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2353">3,887</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 170.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2045" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2354">11,956</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 170.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2046" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2355">3,887</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 183pt; width: 177.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 177.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 183pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.52pt;"></span></span><span style="left: 66.15pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2047" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2356">937,633</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 183pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.4pt;"></span></span><span style="left: 84.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2048" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2357">517</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 183pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.76pt;"></span></span><span style="left: 71.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2049" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2358">75,454</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 183pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74pt;"></span></span><span style="left: 76.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2050" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2359">1,435</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 183pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.76pt;"></span></span><span style="left: 71.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2051" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2360">11,956</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 183pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74pt;"></span></span><span style="left: 76.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2052" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2361">3,887</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 183pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.12pt;"></span></span><span style="left: 58.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2053" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2362">1,025,043</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 183pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74pt;"></span></span><span style="left: 76.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2054" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2363">5,839</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 41.25pt;"><td colspan="10" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 41.25pt; left: 0pt; position: var(--position); top: 195.75pt; width: 999.75pt;"><div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 2.79pt; width: 999.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1 Compared to the credit risk portfolio, the differences are mainly undrawn committed amounts (&#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 355.2pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2055" decimals="-8" name="ifrs-full:UndrawnBorrowingFacilities" scale="9" id="f-2364">151</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 368.7pt; position: var(--position); text-decoration: none; white-space: pre;">billion) and other positions (&#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 472.29pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2056" decimals="-8" name="ifrs-full:OtherLiabilities" scale="9" id="f-2365">9</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 476.79pt; position: var(--position); text-decoration: none; white-space: pre;"> billion) not included in credit outstandings and non-IFRS 9 eligible assets (&#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 744.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2057" decimals="-8" name="ifrs-full:OtherLiabilities" scale="9" id="f-2366">67</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 753.66pt; position: var(--position); text-decoration: none; white-space: pre;"> billion, mainly pre-settlement exposures) included in credit <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 12.39pt; width: 999.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">outstandings but not in the gross carrying amounts.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 21.99pt; width: 999.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2 Includes impact from change in accounting policy as disclosed in table Changes in gross carrying amounts and loan loss provisions.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 31.59pt; width: 999.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3 Stage 3 lifetime credit impaired provision includes &#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 193.16pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2058" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2367">11</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 202.16pt; position: var(--position); text-decoration: none; white-space: pre;"> million on purchased or originated credit impaired.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-2302-1"><div style="position: var(--position); top: 321.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 104.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 73.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="10" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Gross carrying amount per IFRS 9 stage and rating class (*)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ffffff; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 276.11pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">1,2<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 177.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 177.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 28.5pt; left: 177.75pt; position: var(--position); top: 14.25pt; width: 205.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 10.31pt; width: 205.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 53.81pt; position: var(--position); text-decoration: none; white-space: pre;">12-month ECL (Stage 1)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 28.5pt; left: 383.25pt; position: var(--position); top: 14.25pt; width: 205.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 10.31pt; width: 205.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.47pt; position: var(--position); text-decoration: none; white-space: pre;">Lifetime ECL not credit impaired (Stage 2)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 28.5pt; left: 588.75pt; position: var(--position); top: 14.25pt; width: 205.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 10.31pt; width: 205.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.59pt; position: var(--position); text-decoration: none; white-space: pre;">Lifetime ECL credit impaired (Stage 3)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 28.5pt; left: 794.25pt; position: var(--position); top: 14.25pt; width: 205.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 10.31pt; width: 205.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 92.1pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 177.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 177.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 177.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 177.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rating class<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 177.75pt; position: var(--position); top: 42.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.3pt; position: var(--position); text-decoration: none; white-space: pre;">Gross Carrying Amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 280.5pt; position: var(--position); top: 42.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 58.33pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 383.25pt; position: var(--position); top: 42.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.3pt; position: var(--position); text-decoration: none; white-space: pre;">Gross Carrying Amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 486pt; position: var(--position); top: 42.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 58.33pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 588.75pt; position: var(--position); top: 42.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.3pt; position: var(--position); text-decoration: none; white-space: pre;">Gross Carrying Amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 691.5pt; position: var(--position); top: 42.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 58.33pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 794.25pt; position: var(--position); top: 42.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.3pt; position: var(--position); text-decoration: none; white-space: pre;">Gross Carrying Amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 897pt; position: var(--position); top: 42.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 58.33pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="4" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 51pt; left: 0pt; position: var(--position); top: 57pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 21.56pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment grade<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 104.25pt; position: var(--position); top: 57pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1 (AAA)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 57pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2059" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2368">100,885</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 57pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.06pt;"></span></span><span style="left: 94.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2060" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2369">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 57pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2061" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2370">284</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 57pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 57pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 57pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 57pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2062" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2371">101,169</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 57pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.06pt;"></span></span><span style="left: 94.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2063" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2372">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 104.25pt; position: var(--position); top: 69.75pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2-4 (AA)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 69.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2064" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2373">98,181</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 69.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.06pt;"></span></span><span style="left: 94.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2065" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2374">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 69.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2066" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2375">2,493</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 69.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.06pt;"></span></span><span style="left: 94.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2067" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2376">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 69.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 69.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 69.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2068" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2377">100,675</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 69.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.06pt;"></span></span><span style="left: 94.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2069" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2378">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 104.25pt; position: var(--position); top: 82.5pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5-7 (A)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 82.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2070" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2379">177,617</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 82.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87pt;"></span></span><span style="left: 89.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2071" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2380">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 82.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2072" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2381">4,596</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 82.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.06pt;"></span></span><span style="left: 94.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2073" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2382">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 82.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 82.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 82.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2074" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2383">182,214</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 82.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87pt;"></span></span><span style="left: 89.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2075" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2384">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 104.25pt; position: var(--position); top: 95.25pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">8-10 (BBB)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 95.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2076" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2385">321,308</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 95.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87pt;"></span></span><span style="left: 89.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2077" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2386">98</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 95.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2078" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2387">14,714</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 95.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87pt;"></span></span><span style="left: 89.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2079" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2388">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 95.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 95.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 95.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2080" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2389">336,023</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 95.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2081" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2390">127</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="3" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 0pt; position: var(--position); top: 108pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.19pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-Investment grade<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 104.25pt; position: var(--position); top: 108pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">11-13 (BB)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 108pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2082" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2391">155,910</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 108pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2083" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2392">277</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 108pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2084" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2393">17,365</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 108pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87pt;"></span></span><span style="left: 89.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2085" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2394">91</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 108pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 108pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 108pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.6pt;"></span></span><span style="left: 67.22999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2086" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2395">173,275</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 108pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2087" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2396">368</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 104.25pt; position: var(--position); top: 120.75pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">14-16 (B)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 120.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2088" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2397">23,649</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 120.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2089" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2398">168</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 120.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2090" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2399">19,386</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 120.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2091" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2400">471</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 120.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 120.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 120.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2092" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2401">43,035</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 120.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2093" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2402">639</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 104.25pt; position: var(--position); top: 133.5pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">17 (CCC)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 133.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2094" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2403">7,671</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 133.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 92.06pt;"></span></span><span style="left: 94.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2095" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2404">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 133.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2096" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2405">4,572</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 133.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2097" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2406">194</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 133.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 133.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 133.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2098" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2407">12,244</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 133.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2099" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2408">202</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 25.5pt; left: 0pt; position: var(--position); top: 146.25pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.41pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Performing <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.21pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Restructuring<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 104.25pt; position: var(--position); top: 146.25pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">18 (CC)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 146.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 146.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 146.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2100" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2409">5,198</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 146.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2101" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2410">595</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 146.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 146.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 146.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2102" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2411">5,198</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 146.25pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2103" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2412">595</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 104.25pt; position: var(--position); top: 159pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">19 (C)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 159pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 159pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 159pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2104" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2413">2,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 159pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2105" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2414">293</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 159pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 159pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 159pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2106" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2415">2,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 159pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.94pt;"></span></span><span style="left: 84.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2107" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2416">293</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 171.75pt; width: 104.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 104.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-performing loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 104.25pt; position: var(--position); top: 171.75pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">20-22 (D)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 171.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 171.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 171.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 171.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.12pt;"></span></span><span style="left: 99.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 171.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2108" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2417">11,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 171.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2109" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2418">3,841</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 171.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.66pt;"></span></span><span style="left: 72.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2110" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2419">11,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 171.75pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.72pt;"></span></span><span style="left: 77.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2111" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2420">3,841</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 184.5pt; width: 177.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 177.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 184.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.52pt;"></span></span><span style="left: 66.15pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2112" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2421">885,222</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 184.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.4pt;"></span></span><span style="left: 84.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2113" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2422">581</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 184.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.76pt;"></span></span><span style="left: 71.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2114" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2423">70,725</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 486pt; position: var(--position); top: 184.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74pt;"></span></span><span style="left: 76.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2115" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2424">1,679</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 588.75pt; position: var(--position); top: 184.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.76pt;"></span></span><span style="left: 71.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2116" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2425">11,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 691.5pt; position: var(--position); top: 184.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74pt;"></span></span><span style="left: 76.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2117" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2426">3,841</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 794.25pt; position: var(--position); top: 184.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.52pt;"></span></span><span style="left: 66.15pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2118" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2427">967,655</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 184.5pt; width: 102.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74pt;"></span></span><span style="left: 76.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2119" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2428">6,101</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 32.25pt;"><td colspan="10" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 32.25pt; left: 0pt; position: var(--position); top: 197.25pt; width: 999.75pt;"><div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 3.09pt; width: 999.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1 Compared to the credit risk portfolio, the differences are mainly undrawn committed amounts (&#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 355.2pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2120" decimals="-8" name="ifrs-full:UndrawnBorrowingFacilities" scale="9" id="f-2429">150.1</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 375.12pt; position: var(--position); text-decoration: none; white-space: pre;"> billion) and other positions (&#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 480.71pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2121" decimals="-8" name="ifrs-full:OtherLiabilities" scale="9" id="f-2430">4.4</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 491.63pt; position: var(--position); text-decoration: none; white-space: pre;"> billion) not included in credit outstandings and non-IFRS 9 eligible assets (&#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 759.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2122" decimals="-8" name="ifrs-full:OtherLiabilities" scale="9" id="f-2431">116.1</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 779.42pt; position: var(--position); text-decoration: none; white-space: pre;"> billion, mainly guarantees, letters of credit and pre-<span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 12.69pt; width: 999.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">settlement exposures) included in credit outstandings but not in the gross carrying amounts.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 22.29pt; width: 999.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2 IAS 37 provisions are established for non-credit replacement guarantees not in the scope of IFRS 9. Total IAS 37 provisions (&#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 451.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2123" decimals="-6" name="ifrs-full:OtherLiabilities" scale="6" id="f-2432">109</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 464.56pt; position: var(--position); text-decoration: none; white-space: pre;"> million) are excluded.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">182<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-25" continuedAt="f-117-26"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in gross carrying amounts and loan loss provisions (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The table below provides a reconciliation by stage of the gross carrying amount and allowances for loans <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and advances to banks and customers, including loan commitments and financial guarantees. The transfers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of financial instruments represent the impact of stage transfers upon the gross carrying/nominal amount <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and associated allowance for ECL. This includes the net-remeasurement of ECL arising from stage transfers, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for example, moving from a 12-month (Stage 1) to a lifetime (Stage 2) ECL measurement basis.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 158.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The net-remeasurement line represents the changes in provisions for facilities that remain in the same <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 170.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">stage.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 197.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Please note the following comments with respect to the movements observed in the table below:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 205.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The opening balance is impacted by a change in accounting policy following the adoption of IFRS 17, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">more specifically for loans with death waivers that no longer meet the &#8216;solely payments of principal and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 230.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">interest&#8217; (SPPI) criterion<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 157.42000000000002pt; position: var(--position); text-decoration: none; white-space: pre;"> (&#8364;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 168.73000000000002pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2124" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2433">55</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 183.72000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 186.22000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">million <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 218.64999999999998pt; position: var(--position); text-decoration: none; white-space: pre;">loan loss provisions impact) which are no longer recorded at <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 243.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">amortised cost, and a change in policy for non-financial guarantees that are subject to contractual <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">indemnification rights which led to a reclassification of the existing IAS 37 provision<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 424.78000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> (&#8364;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 436.09000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2125" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2434">109</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 452.98pt; position: var(--position); text-decoration: none; white-space: pre;"> million <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 487.91pt; position: var(--position); text-decoration: none; white-space: pre;">loan <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 269.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">loss provisions impact) and a remeasurement of these non-financial guarantees<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 412.27000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> (&#8364;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 423.58000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2126" decimals="-6" sign="-" name="ing:NetRemeasurementOfLoanLossProvision" scale="6" id="f-2435">42</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 434.84000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> million <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 469.77000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">loan loss <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">provisions impact). Reference is made to Note 1 'Basis of preparation and significant changes in the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 294.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">current reporting period'.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 307.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 3 gross carrying amount increased slightly to <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 286.97pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 289.47pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 295.1pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2127" decimals="-8" name="ifrs-full:FinancialAssets" scale="9" id="f-2436">12.0</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 314.40000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 316.90000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">billion as at 31 December 2023 as <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 470.07pt; position: var(--position); text-decoration: none; white-space: pre;">new inflow <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 320.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">into NPL (credit impaired) in 2023 was only partly offset by repayments, derecognitions and write-offs. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 333.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 3 provisions remained more or less flat at<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 267.17pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 275.3pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2052" decimals="-8" sign="-" name="ifrs-full:FinancialAssets" scale="9" id="f-2437">3.9</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 288.97pt; position: var(--position); text-decoration: none; white-space: pre;"> billion.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 346.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 2 gross carrying amount increased by<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 251.7pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 254.2pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 259.83pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2128" decimals="-8" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" scale="9" id="f-2438">0.1</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 273.5pt; position: var(--position); text-decoration: none; white-space: pre;"> billio<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.47pt; position: var(--position); text-decoration: none; white-space: pre;">n from<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 326.49pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 334.62pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2129" decimals="-8" name="ifrs-full:FinancialAssets" scale="9" id="f-2439">75.4</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 353.92pt; position: var(--position); text-decoration: none; white-space: pre;"> billion<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 382.73pt; position: var(--position); text-decoration: none; white-space: pre;"> (after changes in accounting <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">policies) as at 31 December 2022 to &#8364;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 221.92000000000002pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2130" decimals="-8" name="ifrs-full:FinancialAssets" scale="9" id="f-2440">75.5</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 241.22000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> billi<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 258.52pt; position: var(--position); text-decoration: none; white-space: pre;">on as at 31 December 2023. <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 386.67pt; position: var(--position); text-decoration: none; white-space: pre;">An increase of Stage 2 <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 371.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">exposure, driven by the implementation of an updated methodology for interest-only mortgages in the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 384.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands, was offset by outflow due to improved macro economic outlook, decrease of exposure due <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 397.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">to sales and repayments (including Russian exposure), forborne customers returning to Stage 1 after the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 410.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">probation period has ended and other improved risk drivers. As a result, Stage 2 provisions also <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 422.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">decreased by<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 114.36pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 122.49pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2131" decimals="-8" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="9" id="f-2441">0.3</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 136.16pt; position: var(--position); text-decoration: none; white-space: pre;"> billion to<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 176.79000000000002pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 184.92000000000002pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2132" decimals="-8" sign="-" name="ifrs-full:FinancialAssets" scale="9" id="f-2442">1.4</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 198.58999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"> billion as of 31 December 2023.<span style="display: inline-block; height: 12pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">183<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-26" continuedAt="f-117-27"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:ChangesInLoanLossProvisionsAndGrossCarryingAmountsExplanatoryTableTextBlock" id="f-2443" continuedAt="f-2443-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 273.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in gross carrying amounts and loan loss provisions (*)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ffffff; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 292.88pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">1, 2<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 14.25pt; width: 181.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 181.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 41.81pt; position: var(--position); text-decoration: none; white-space: pre;">12-month ECL (Stage 1)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 14.25pt; width: 181.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 181.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.47pt; position: var(--position); text-decoration: none; white-space: pre;">Lifetime ECL not credit impaired (Stage 2)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 14.25pt; width: 181.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 181.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.59pt; position: var(--position); text-decoration: none; white-space: pre;">Lifetime ECL credit impaired (Stage 3)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 14.25pt; width: 181.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 181.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 80.1pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 28.5pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 273.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 273.75pt; position: var(--position); top: 28.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.49pt; position: var(--position); text-decoration: none; white-space: pre;">Gross carrying <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 55.54pt; position: var(--position); text-decoration: none; white-space: pre;">amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 364.5pt; position: var(--position); top: 28.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 46.33pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 455.25pt; position: var(--position); top: 28.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.49pt; position: var(--position); text-decoration: none; white-space: pre;">Gross carrying <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 55.54pt; position: var(--position); text-decoration: none; white-space: pre;">amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 546pt; position: var(--position); top: 28.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 46.33pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 636.75pt; position: var(--position); top: 28.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.49pt; position: var(--position); text-decoration: none; white-space: pre;">Gross carrying <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 55.54pt; position: var(--position); text-decoration: none; white-space: pre;">amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 727.5pt; position: var(--position); top: 28.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 46.33pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 818.25pt; position: var(--position); top: 28.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.49pt; position: var(--position); text-decoration: none; white-space: pre;">Gross carrying <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 55.54pt; position: var(--position); text-decoration: none; white-space: pre;">amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 909pt; position: var(--position); top: 28.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 46.33pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 52.5pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 52.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.52pt;"></span></span><span style="left: 54.150000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2133" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2444">885,222</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 52.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.4pt;"></span></span><span style="left: 72.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2134" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2445">581</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 52.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.76pt;"></span></span><span style="left: 59.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2135" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2446">70,725</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 52.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62pt;"></span></span><span style="left: 64.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2136" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2447">1,679</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 52.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.76pt;"></span></span><span style="left: 59.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2137" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2448">11,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 52.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62pt;"></span></span><span style="left: 64.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2138" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2449">3,841</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 52.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.52pt;"></span></span><span style="left: 54.150000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2139" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2450">967,655</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 52.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62pt;"></span></span><span style="left: 64.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2140" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2451">6,101</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66.75pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Impact of changes in accounting policies<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 66.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.66pt;"></span></span><span style="left: 60.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2141" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2452">37,078</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 66.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.06pt;"></span></span><span style="left: 82.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2142" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2453">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 66.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.72pt;"></span></span><span style="left: 65.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2143" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2454">4,704</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 66.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75pt;"></span></span><span style="left: 77.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2144" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2455">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 66.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.94pt;"></span></span><span style="left: 72.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2145" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-2456">158</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 66.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75pt;"></span></span><span style="left: 77.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2146" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2457">73</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 66.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.66pt;"></span></span><span style="left: 60.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2147" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2458">41,939</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 66.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75pt;"></span></span><span style="left: 77.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2148" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2459">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 81pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Adjusted Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 81pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.52pt;"></span></span><span style="left: 54.150000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2149" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2460">922,300</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 81pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.4pt;"></span></span><span style="left: 72.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2150" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2461">590</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 81pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.76pt;"></span></span><span style="left: 59.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2129" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2462">75,429</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 81pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62pt;"></span></span><span style="left: 64.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2151" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2463">1,692</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 81pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.76pt;"></span></span><span style="left: 59.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2152" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2464">11,866</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 81pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62pt;"></span></span><span style="left: 64.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2153" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2465">3,914</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 81pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.12pt;"></span></span><span style="left: 46.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2154" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2466">1,009,595</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 81pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62pt;"></span></span><span style="left: 64.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2155" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2467">6,196</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 95.25pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfer into 12-month ECL (Stage 1)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 95.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.66pt;"></span></span><span style="left: 60.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2156" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2468">11,832</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 95.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75pt;"></span></span><span style="left: 77.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2157" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2469">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 95.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.31pt;"></span></span><span style="left: 56.940000000000005pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2158" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2470">11,583</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 95.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.59pt;"></span></span><span style="left: 69.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2159" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2471">239</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 95.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.59pt;"></span></span><span style="left: 69.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2160" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2472">249</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 95.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.65pt;"></span></span><span style="left: 74.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2161" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2473">36</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 95.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 95.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.59pt;"></span></span><span style="left: 69.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2162" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2474">247</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 109.5pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfer into lifetime ECL not credit impaired (Stage 2)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 109.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.31pt;"></span></span><span style="left: 56.940000000000005pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2163" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2475">29,470</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 109.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.65pt;"></span></span><span style="left: 74.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2164" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2476">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 109.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.66pt;"></span></span><span style="left: 60.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2165" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2477">30,185</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 109.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.94pt;"></span></span><span style="left: 72.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2166" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2478">449</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 109.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.59pt;"></span></span><span style="left: 69.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2167" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2479">716</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 109.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.59pt;"></span></span><span style="left: 69.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2168" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2480">105</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 109.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 109.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.94pt;"></span></span><span style="left: 72.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2169" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2481">277</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 123.75pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfer into lifetime ECL credit impaired (Stage 3)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 123.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.37pt;"></span></span><span style="left: 62pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2170" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2482">2,053</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 123.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.65pt;"></span></span><span style="left: 74.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2171" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2483">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 123.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.37pt;"></span></span><span style="left: 62pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2172" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2484">1,775</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 123.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.59pt;"></span></span><span style="left: 69.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2173" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2485">115</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 123.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.72pt;"></span></span><span style="left: 65.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2174" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2486">3,828</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 123.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.94pt;"></span></span><span style="left: 72.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2175" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2487">978</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 123.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 123.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.94pt;"></span></span><span style="left: 72.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2176" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2488">853</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 138pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net remeasurement of loan loss provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 138pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 138pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.59pt;"></span></span><span style="left: 69.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2177" decimals="-6" name="ing:NetRemeasurementOfLoanLossProvision" scale="6" id="f-2489">149</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 138pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 138pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.65pt;"></span></span><span style="left: 74.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2178" decimals="-6" name="ing:NetRemeasurementOfLoanLossProvision" scale="6" id="f-2490">94</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 138pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 138pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75pt;"></span></span><span style="left: 77.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2179" decimals="-6" sign="-" name="ing:NetRemeasurementOfLoanLossProvision" scale="6" id="f-2491">59</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 138pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 138pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.59pt;"></span></span><span style="left: 69.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2180" decimals="-6" name="ing:NetRemeasurementOfLoanLossProvision" scale="6" id="f-2492">184</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 152.25pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">New financial assets originated or purchased<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 152.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.6pt;"></span></span><span style="left: 55.230000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2181" decimals="-6" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2493">195,775</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 152.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.94pt;"></span></span><span style="left: 72.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2177" decimals="-6" sign="-" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" scale="6" id="f-2494">204</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 152.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 152.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 152.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 152.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 152.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.6pt;"></span></span><span style="left: 55.230000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2182" decimals="-6" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2495">195,775</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 152.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.94pt;"></span></span><span style="left: 72.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2180" decimals="-6" sign="-" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" scale="6" id="f-2496">204</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 166.5pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets that have been derecognised<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 166.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.25pt;"></span></span><span style="left: 51.88pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2181" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2497">121,991</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 166.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.65pt;"></span></span><span style="left: 74.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2177" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" scale="6" id="f-2498">72</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 166.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.31pt;"></span></span><span style="left: 56.940000000000005pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2183" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2499">14,239</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 166.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.59pt;"></span></span><span style="left: 69.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2178" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" scale="6" id="f-2500">215</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 166.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.37pt;"></span></span><span style="left: 62pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2184" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2501">1,475</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 166.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.59pt;"></span></span><span style="left: 69.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2179" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" scale="6" id="f-2502">266</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 166.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.25pt;"></span></span><span style="left: 51.88pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2182" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2503">137,705</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 166.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.59pt;"></span></span><span style="left: 69.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2180" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" scale="6" id="f-2504">553</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 180.75pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net drawdowns and repayments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 180.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.31pt;"></span></span><span style="left: 56.940000000000005pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2181" decimals="-6" sign="-" name="ing:NetRepaymentIncreaseInGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-2505">38,758</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 180.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 180.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.37pt;"></span></span><span style="left: 62pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2183" decimals="-6" sign="-" name="ing:NetRepaymentIncreaseInGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-2506">2,525</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 180.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 180.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.59pt;"></span></span><span style="left: 69.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2184" decimals="-6" sign="-" name="ing:NetRepaymentIncreaseInGrossCarryingAmount" scale="6" id="f-2507">229</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 180.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 180.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.31pt;"></span></span><span style="left: 56.940000000000005pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2182" decimals="-6" sign="-" name="ing:NetRepaymentIncreaseInGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-2508">41,511</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 180.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 195pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in models/risk parameters<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 195pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 195pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.06pt;"></span></span><span style="left: 82.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2177" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" scale="6" id="f-2509">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 195pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 195pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75pt;"></span></span><span style="left: 77.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2178" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" scale="6" id="f-2510">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 195pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 195pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75pt;"></span></span><span style="left: 77.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2179" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" scale="6" id="f-2511">84</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 195pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 195pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.94pt;"></span></span><span style="left: 72.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2180" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInModelsOrRiskParametersFinancialAssets" scale="6" id="f-2512">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 209.25pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Increase in loan loss provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 209.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 209.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.16pt;"></span></span><span style="left: 73.78999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2177" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-2513">58</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 209.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 209.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.92pt;"></span></span><span style="left: 68.55pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2178" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-2514">204</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 209.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 209.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.4pt;"></span></span><span style="left: 72.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2179" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-2515">714</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 209.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 209.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.4pt;"></span></span><span style="left: 72.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2180" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-2516">452</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 223.5pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Write-offs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 223.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.71pt;"></span></span><span style="left: 79.33999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2181" decimals="-6" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" scale="6" id="f-2517">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 223.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.71pt;"></span></span><span style="left: 79.33999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2177" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" scale="6" id="f-2518">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 223.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.65pt;"></span></span><span style="left: 74.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2183" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" scale="6" id="f-2519">38</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 223.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.65pt;"></span></span><span style="left: 74.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2178" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" scale="6" id="f-2520">38</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 223.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.37pt;"></span></span><span style="left: 62pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2184" decimals="-6" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2521">1,070</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 223.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.37pt;"></span></span><span style="left: 62pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2179" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2522">1,070</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 223.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.37pt;"></span></span><span style="left: 62pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2182" decimals="-6" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2523">1,111</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 223.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.37pt;"></span></span><span style="left: 62pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2180" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2524">1,111</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 237.75pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Recoveries of amounts previously written off<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 237.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 237.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 237.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 237.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 237.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 237.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75pt;"></span></span><span style="left: 77.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2179" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-2525">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 237.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 237.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75pt;"></span></span><span style="left: 77.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2180" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-2526">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 252pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Foreign exchange and other movements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 252pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 252pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.65pt;"></span></span><span style="left: 74.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2177" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-2527">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 252pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 252pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.65pt;"></span></span><span style="left: 74.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2178" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-2528">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 252pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 252pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.94pt;"></span></span><span style="left: 72.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2179" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-2529">258</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 252pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 85.12pt;"></span></span><span style="left: 87.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 252pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.94pt;"></span></span><span style="left: 72.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2180" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-2530">231</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 266.25pt; width: 273.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 273.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 266.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.52pt;"></span></span><span style="left: 54.150000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2185" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2531">937,633</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 364.5pt; position: var(--position); top: 266.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.4pt;"></span></span><span style="left: 72.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2186" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2532">517</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 455.25pt; position: var(--position); top: 266.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.76pt;"></span></span><span style="left: 59.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2130" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2533">75,454</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 266.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62pt;"></span></span><span style="left: 64.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2132" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2534">1,435</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 636.75pt; position: var(--position); top: 266.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.76pt;"></span></span><span style="left: 59.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2127" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2535">11,956</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 727.5pt; position: var(--position); top: 266.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62pt;"></span></span><span style="left: 64.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2187" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2536">3,887</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 818.25pt; position: var(--position); top: 266.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.12pt;"></span></span><span style="left: 46.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2188" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2537">1,025,043</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 266.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62pt;"></span></span><span style="left: 64.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2189" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2538">5,839</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 38.25pt;"><td colspan="9" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 38.25pt; left: 0pt; position: var(--position); top: 280.5pt; width: 999.75pt;"><div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 2.63pt; width: 999.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1 Stage 3 lifetime credit impaired provision includes &#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 193.16pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2190" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2539">11</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 202.16pt; position: var(--position); text-decoration: none; white-space: pre;"> million on purchased or originated credit impaired.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 12.23pt; width: 999.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2 The addition to the loan provision (in the consolidated statement of profit or loss) amounts to &#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 348.90999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2191" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-2540">520</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 362.40999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"> million of which &#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 427.03pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2192" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-2541">483</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 440.53pt; position: var(--position); text-decoration: none; white-space: pre;"> million related to IFRS 9 eligible financial assets, -&#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 621.37pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2193" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-2542">31</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 630.37pt; position: var(--position); text-decoration: none; white-space: pre;"> million related to non-credit replacement guarantees and &#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 845.12pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2194" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-2543">68</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 854.12pt; position: var(--position); text-decoration: none; white-space: pre;"> million to modification gains and losses <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 21.83pt; width: 999.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">on restructured financial assets.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">184<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-2443-1"><ix:continuation id="f-117-27" continuedAt="f-117-28"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 279pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in gross carrying amounts and loan loss provisions (*)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ffffff; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 292.88pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">1, 2<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279pt; position: var(--position); top: 14.25pt; width: 180pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 180pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 41.06pt; position: var(--position); text-decoration: none; white-space: pre;">12-month ECL (Stage 1)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459pt; position: var(--position); top: 14.25pt; width: 180pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 180pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.72pt; position: var(--position); text-decoration: none; white-space: pre;">Lifetime ECL not credit impaired (Stage 2)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 14.25pt; width: 180pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 180pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.13pt; position: var(--position); text-decoration: none; white-space: pre;">Lifetime ECL credit impaired (Stage 3)<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 166.45pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 14.25pt; width: 180pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 180pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 79.35pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 28.5pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 279pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 279pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.74pt; position: var(--position); text-decoration: none; white-space: pre;">Gross carrying <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 54.79pt; position: var(--position); text-decoration: none; white-space: pre;">amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 369pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 45.58pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 459pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.74pt; position: var(--position); text-decoration: none; white-space: pre;">Gross carrying <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 54.79pt; position: var(--position); text-decoration: none; white-space: pre;">amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 549pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 45.58pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 639pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.74pt; position: var(--position); text-decoration: none; white-space: pre;">Gross carrying <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 54.79pt; position: var(--position); text-decoration: none; white-space: pre;">amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 729pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 45.58pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 819pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.74pt; position: var(--position); text-decoration: none; white-space: pre;">Gross carrying <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 54.79pt; position: var(--position); text-decoration: none; white-space: pre;">amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 909pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 45.58pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 52.5pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279pt; position: var(--position); top: 52.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2195" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2544">890,386</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 369pt; position: var(--position); top: 52.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.65pt;"></span></span><span style="left: 71.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2196" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2545">501</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459pt; position: var(--position); top: 52.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.01pt;"></span></span><span style="left: 58.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2197" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2546">49,476</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549pt; position: var(--position); top: 52.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.25pt;"></span></span><span style="left: 63.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2198" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2547">1,016</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 52.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.01pt;"></span></span><span style="left: 58.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2199" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2548">12,072</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729pt; position: var(--position); top: 52.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.25pt;"></span></span><span style="left: 63.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2200" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2549">3,851</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 52.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2201" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2550">951,934</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 52.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.25pt;"></span></span><span style="left: 63.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2202" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2551">5,368</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66.75pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfer into 12-month ECL (Stage 1)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279pt; position: var(--position); top: 66.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2203" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2552">8,513</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 369pt; position: var(--position); top: 66.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2204" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2553">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459pt; position: var(--position); top: 66.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.62pt;"></span></span><span style="left: 61.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2205" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2554">8,105</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549pt; position: var(--position); top: 66.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.84pt;"></span></span><span style="left: 68.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2206" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2555">142</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 66.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.84pt;"></span></span><span style="left: 68.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2207" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2556">408</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729pt; position: var(--position); top: 66.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.9pt;"></span></span><span style="left: 73.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2208" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2557">47</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 66.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 66.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.84pt;"></span></span><span style="left: 68.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2209" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2558">168</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 81pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfer into lifetime ECL not credit impaired (Stage 2)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279pt; position: var(--position); top: 81pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.56pt;"></span></span><span style="left: 56.190000000000005pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2210" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2559">42,439</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 369pt; position: var(--position); top: 81pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.9pt;"></span></span><span style="left: 73.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2211" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2560">76</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459pt; position: var(--position); top: 81pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2212" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2561">43,222</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549pt; position: var(--position); top: 81pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2213" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2562">730</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 81pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.84pt;"></span></span><span style="left: 68.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2214" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2563">784</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729pt; position: var(--position); top: 81pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.9pt;"></span></span><span style="left: 73.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2215" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2564">90</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 81pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 81pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2216" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2565">564</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 95.25pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfer into lifetime ECL credit impaired (Stage 3)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.62pt;"></span></span><span style="left: 61.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2217" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2566">3,524</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 369pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75.96pt;"></span></span><span style="left: 78.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2218" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2567">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.62pt;"></span></span><span style="left: 61.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2219" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2568">1,216</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.9pt;"></span></span><span style="left: 73.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2220" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-2569">82</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2221" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2570">4,740</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2222" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2571">1,234</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2223" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2572">1,144</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 109.5pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net remeasurement of loan loss provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279pt; position: var(--position); top: 109.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 369pt; position: var(--position); top: 109.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.31pt;"></span></span><span style="left: 81.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" name="ing:NetRemeasurementOfLoanLossProvision" scale="6" id="f-2573">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459pt; position: var(--position); top: 109.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549pt; position: var(--position); top: 109.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" name="ing:NetRemeasurementOfLoanLossProvision" scale="6" id="f-2574">223</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 109.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729pt; position: var(--position); top: 109.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" sign="-" name="ing:NetRemeasurementOfLoanLossProvision" scale="6" id="f-2575">199</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 109.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 109.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2227" decimals="-6" sign="-" name="ing:NetRemeasurementOfLoanLossProvision" scale="6" id="f-2576">430</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 123.75pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">New financial assets originated or purchased<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279pt; position: var(--position); top: 123.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.85pt;"></span></span><span style="left: 54.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2228" decimals="-6" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2577">248,443</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 369pt; position: var(--position); top: 123.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" sign="-" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" scale="6" id="f-2578">228</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459pt; position: var(--position); top: 123.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 123.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 123.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.85pt;"></span></span><span style="left: 54.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2229" decimals="-6" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2579">248,443</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 123.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2227" decimals="-6" sign="-" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" scale="6" id="f-2580">228</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 138pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets that have been derecognised<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279pt; position: var(--position); top: 138pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.5pt;"></span></span><span style="left: 51.13pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2228" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2581">138,250</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 369pt; position: var(--position); top: 138pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.9pt;"></span></span><span style="left: 73.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" scale="6" id="f-2582">70</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459pt; position: var(--position); top: 138pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.56pt;"></span></span><span style="left: 56.190000000000005pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2230" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2583">11,312</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549pt; position: var(--position); top: 138pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.9pt;"></span></span><span style="left: 73.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" scale="6" id="f-2584">94</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 138pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.62pt;"></span></span><span style="left: 61.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2231" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2585">2,805</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729pt; position: var(--position); top: 138pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.84pt;"></span></span><span style="left: 68.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" scale="6" id="f-2586">215</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 138pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.5pt;"></span></span><span style="left: 51.13pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2229" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2587">152,366</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 138pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.84pt;"></span></span><span style="left: 68.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2227" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" scale="6" id="f-2588">379</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 152.25pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net drawdowns and repayments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279pt; position: var(--position); top: 152.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.56pt;"></span></span><span style="left: 56.190000000000005pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2228" decimals="-6" sign="-" name="ing:NetRepaymentIncreaseInGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-2589">77,907</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459pt; position: var(--position); top: 152.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.62pt;"></span></span><span style="left: 61.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2230" decimals="-6" sign="-" name="ing:NetRepaymentIncreaseInGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-2590">1,340</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 152.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2231" decimals="-6" name="ing:NetRepaymentIncreaseInGrossCarryingAmount" scale="6" id="f-2591">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 152.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.56pt;"></span></span><span style="left: 56.190000000000005pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2229" decimals="-6" sign="-" name="ing:NetRepaymentIncreaseInGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-2592">79,226</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 152.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 166.5pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in models/risk parameters<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279pt; position: var(--position); top: 166.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 369pt; position: var(--position); top: 166.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75.96pt;"></span></span><span style="left: 78.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" name="ing:NetRepaymentIncreaseInGrossCarryingAmount" scale="6" id="f-2593">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459pt; position: var(--position); top: 166.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549pt; position: var(--position); top: 166.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" sign="-" name="ing:NetRepaymentIncreaseInGrossCarryingAmount" scale="6" id="f-2594">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 166.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729pt; position: var(--position); top: 166.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" sign="-" name="ing:NetRepaymentIncreaseInGrossCarryingAmount" scale="6" id="f-2595">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 166.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 166.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2227" decimals="-6" sign="-" name="ing:NetRepaymentIncreaseInGrossCarryingAmount" scale="6" id="f-2596">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 180.75pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Increase in loan loss provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279pt; position: var(--position); top: 180.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 369pt; position: var(--position); top: 180.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.89pt;"></span></span><span style="left: 76.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-2597">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459pt; position: var(--position); top: 180.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549pt; position: var(--position); top: 180.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.65pt;"></span></span><span style="left: 71.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-2598">648</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 180.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729pt; position: var(--position); top: 180.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.25pt;"></span></span><span style="left: 63.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2599">1,106</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 180.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 180.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.25pt;"></span></span><span style="left: 63.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2227" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2600">1,849</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 195pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Write-offs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279pt; position: var(--position); top: 195pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 369pt; position: var(--position); top: 195pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459pt; position: var(--position); top: 195pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549pt; position: var(--position); top: 195pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75.96pt;"></span></span><span style="left: 78.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" scale="6" id="f-2601">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 195pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.62pt;"></span></span><span style="left: 61.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2231" decimals="-6" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2602">1,129</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729pt; position: var(--position); top: 195pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.62pt;"></span></span><span style="left: 61.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2603">1,129</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 195pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.62pt;"></span></span><span style="left: 61.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2229" decimals="-6" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2604">1,129</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 195pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.62pt;"></span></span><span style="left: 61.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2227" decimals="-6" sign="-" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2605">1,130</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 209.25pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Recoveries of amounts previously written off<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279pt; position: var(--position); top: 209.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 369pt; position: var(--position); top: 209.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459pt; position: var(--position); top: 209.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549pt; position: var(--position); top: 209.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 209.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729pt; position: var(--position); top: 209.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-2606">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 209.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 209.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2227" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" scale="6" id="f-2607">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 223.5pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Foreign exchange and other movements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279pt; position: var(--position); top: 223.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 369pt; position: var(--position); top: 223.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.9pt;"></span></span><span style="left: 73.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2224" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-2608">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459pt; position: var(--position); top: 223.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549pt; position: var(--position); top: 223.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2225" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-2609">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 223.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729pt; position: var(--position); top: 223.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.9pt;"></span></span><span style="left: 73.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2226" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-2610">58</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 223.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 223.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.9pt;"></span></span><span style="left: 73.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2227" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-2611">57</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 237.75pt; width: 279pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279pt; position: var(--position); top: 237.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2133" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2612">885,222</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 369pt; position: var(--position); top: 237.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.65pt;"></span></span><span style="left: 71.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2134" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2613">581</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459pt; position: var(--position); top: 237.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.01pt;"></span></span><span style="left: 58.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2135" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2614">70,725</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549pt; position: var(--position); top: 237.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.25pt;"></span></span><span style="left: 63.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2136" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2615">1,679</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639pt; position: var(--position); top: 237.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.01pt;"></span></span><span style="left: 58.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2137" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2616">11,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729pt; position: var(--position); top: 237.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.25pt;"></span></span><span style="left: 63.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2138" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2617">3,841</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819pt; position: var(--position); top: 237.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2139" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2618">967,655</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909pt; position: var(--position); top: 237.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.25pt;"></span></span><span style="left: 63.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2140" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2619">6,101</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="9" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 252pt; width: 999pt;"><div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 2.94pt; width: 999pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1 Stage 3 Lifetime credit impaired provision includes &#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 195.29999999999998pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2232" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2620">7</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 199.79999999999998pt; position: var(--position); text-decoration: none; white-space: pre;"> million on purchased or originated credit impaired.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 21.75pt;"><td colspan="9" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 0pt; position: var(--position); top: 264.75pt; width: 999pt;"><div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 2.64pt; width: 999pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2 The addition to the loan provision (in the consolidated statement of profit or loss) amounts to &#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 348.90999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2233" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2621">1,861</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 368.83pt; position: var(--position); text-decoration: none; white-space: pre;"> million of which &#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 433.45pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2234" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2622">1,850</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 453.37pt; position: var(--position); text-decoration: none; white-space: pre;"> million related to IFRS 9 eligible financial assets, -&#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 634.21pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2235" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-2623">3</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 638.71pt; position: var(--position); text-decoration: none; white-space: pre;"> million related to non-credit replacement guarantees and &#8364;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 853.46pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2236" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-2624">14</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 862.46pt; position: var(--position); text-decoration: none; white-space: pre;"> million to modification gains and <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 12.24pt; width: 999pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">losses on restructured financial assets.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></div></ix:continuation></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">185<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 263.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 122.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 122.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 122.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 122.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 122.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 122.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 996.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 996.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Exposure per stage, coverage ratio and stage ratio&#8217;s<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ffffff; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 245.45pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td></tr><tr style="height: 15pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 0pt; position: var(--position); top: 14.25pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.56pt; width: 263.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 263.25pt; position: var(--position); top: 14.25pt; width: 366.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.56pt; width: 366.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 343.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 630pt; position: var(--position); top: 14.25pt; width: 366.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.56pt; width: 366.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 343.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 29.25pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance sheet<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 29.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.68pt; position: var(--position); text-decoration: none; white-space: pre;">Gross Carrying Amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 29.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.1pt; position: var(--position); text-decoration: none; white-space: pre;">Loan loss provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 29.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 71.8pt; position: var(--position); text-decoration: none; white-space: pre;">Stage Ratio<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 29.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 23.8pt; position: var(--position); text-decoration: none; white-space: pre;">Gross Carrying Amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 29.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.1pt; position: var(--position); text-decoration: none; white-space: pre;">Loan loss provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 29.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 71.8pt; position: var(--position); text-decoration: none; white-space: pre;">Stage Ratio<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 43.5pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks (including central banks)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 43.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">96,436<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 43.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">34<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 43.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 43.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">97,146<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 43.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">49<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57.75pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 57.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">95,935<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 57.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 111.56pt;"></span></span><span style="left: 114.19pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 57.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 103.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.64pt; position: var(--position);">99<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 57.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">95,788<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 57.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 111.56pt;"></span></span><span style="left: 114.19pt; position: var(--position);">9<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 57.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 103.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.64pt; position: var(--position);">99<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 72pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 72pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">494<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 72pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">17<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 72pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 72pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">1,339<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 72pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">20<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 72pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 86.25pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 86.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 111.56pt;"></span></span><span style="left: 114.19pt; position: var(--position);">6<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 86.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">13<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 86.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 86.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">20<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 86.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">20<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 86.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 13.5pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 114pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.1pt;"></span></span><span style="left: 86.72999999999999pt; position: var(--position);">647,876<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 114pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">5,621<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 114pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 114pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.1pt;"></span></span><span style="left: 86.72999999999999pt; position: var(--position);">643,317<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 114pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">5,984<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 128.25pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">of which: Residential mortgages<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 128.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.1pt;"></span></span><span style="left: 86.72999999999999pt; position: var(--position);">331,467<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 128.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">821<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 128.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 128.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.1pt;"></span></span><span style="left: 86.72999999999999pt; position: var(--position);">326,928<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 128.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">677<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 142.5pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 142.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.1pt;"></span></span><span style="left: 86.72999999999999pt; position: var(--position);">306,192<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 142.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">97<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 142.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 103.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.64pt; position: var(--position);">92<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 142.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.1pt;"></span></span><span style="left: 86.72999999999999pt; position: var(--position);">312,165<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 142.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">75<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 142.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 103.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.64pt; position: var(--position);">95<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 156.75pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 156.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">22,167<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 156.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">252<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 156.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">7<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 156.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">11,877<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 156.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">176<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 156.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 171pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 171pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">3,108<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 171pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">472<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 171pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 171pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">2,886<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 171pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">426<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 171pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 185.25pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: Consumer Lending (excl. Residential mortgages)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 185.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">25,954<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 185.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">1,004<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 185.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 185.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">26,348<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 185.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">990<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 199.5pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 199.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">22,081<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 199.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">177<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 199.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 103.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.64pt; position: var(--position);">85<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 199.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">23,101<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 199.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">184<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 199.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 103.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.64pt; position: var(--position);">88<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 213.75pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 213.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">2,743<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 213.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">198<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 213.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 103.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.64pt; position: var(--position);">11<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 213.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">2,145<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 213.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">223<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 213.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">8<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 228pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 228pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">1,131<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 228pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">629<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 228pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 228pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">1,102<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 228pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">583<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 228pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 242.25pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: Loans to public authorities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 242.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">19,068<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 242.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">11<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 242.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 242.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">17,272<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 242.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">17<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 256.5pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 256.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">18,083<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 256.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 111.56pt;"></span></span><span style="left: 114.19pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 256.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 103.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.64pt; position: var(--position);">95<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 256.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">15,977<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 256.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 111.56pt;"></span></span><span style="left: 114.19pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 256.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 103.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.64pt; position: var(--position);">93<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 270.75pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 270.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">691<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 270.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 111.56pt;"></span></span><span style="left: 114.19pt; position: var(--position);">2<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 270.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 270.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">1,120<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 270.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 111.56pt;"></span></span><span style="left: 114.19pt; position: var(--position);">7<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 270.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">6<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 285pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 285pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">294<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 285pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 111.56pt;"></span></span><span style="left: 114.19pt; position: var(--position);">5<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 285pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">2<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 285pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">175<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 285pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 111.56pt;"></span></span><span style="left: 114.19pt; position: var(--position);">6<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 285pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 299.25pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Of which: Corporate lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 299.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.1pt;"></span></span><span style="left: 86.72999999999999pt; position: var(--position);">271,387<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 299.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">3,785<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 299.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 299.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.1pt;"></span></span><span style="left: 86.72999999999999pt; position: var(--position);">272,769<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 299.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">4,300<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 313.5pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 313.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.1pt;"></span></span><span style="left: 86.72999999999999pt; position: var(--position);">232,401<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 313.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">185<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 313.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 103.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.64pt; position: var(--position);">86<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 313.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.1pt;"></span></span><span style="left: 86.72999999999999pt; position: var(--position);">227,167<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 313.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">279<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 313.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 103.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.64pt; position: var(--position);">83<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 327.75pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 327.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">32,178<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 327.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">921<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 327.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 103.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.64pt; position: var(--position);">12<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 327.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">38,497<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 327.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">1,225<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 327.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 103.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.64pt; position: var(--position);">14<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 342pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 342pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">6,808<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 342pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">2,679<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 342pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">3<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 342pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">7,105<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 342pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.22pt;"></span></span><span style="left: 96.85pt; position: var(--position);">2,795<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 342pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">3<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 13.5pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 369.75pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other IFRS 9 Eligible financial instruments<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 176.23pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 369.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.1pt;"></span></span><span style="left: 86.72999999999999pt; position: var(--position);">280,731<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 369.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">184<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 369.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 369.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.1pt;"></span></span><span style="left: 86.72999999999999pt; position: var(--position);">227,192<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 369.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">67<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 384pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 384pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.1pt;"></span></span><span style="left: 86.72999999999999pt; position: var(--position);">262,941<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 384pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">50<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 384pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 103.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.64pt; position: var(--position);">94<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 384pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.1pt;"></span></span><span style="left: 86.72999999999999pt; position: var(--position);">211,025<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 384pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">29<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 384pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 103.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 103.64pt; position: var(--position);">93<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 398.25pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 398.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">17,181<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 398.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">46<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 398.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">6<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 398.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 89.16pt;"></span></span><span style="left: 91.78999999999999pt; position: var(--position);">15,746<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 398.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">27<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 398.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 108.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.7pt; position: var(--position);">7<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 412.5pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 412.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">609<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 412.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">88<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 412.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 412.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.44pt;"></span></span><span style="left: 104.07pt; position: var(--position);">421<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 412.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.5pt;"></span></span><span style="left: 109.13pt; position: var(--position);">11<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 119.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 874.5pt; position: var(--position); top: 412.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 101.48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 101.48pt; position: var(--position);">0.2<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 13.5pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 440.25pt; width: 263.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 263.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total Gross Carrying Amount (IFRS 9&#160;eligible)&#160;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 263.25pt; position: var(--position); top: 440.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75.62pt;"></span></span><span style="left: 78.25pt; position: var(--position);">1,025,043<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 119.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 440.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 93.5pt;"></span></span><span style="left: 96.13pt; position: var(--position);">5,839<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 119.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 507.75pt; position: var(--position); top: 440.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 113.76pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 440.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.02pt;"></span></span><span style="left: 85.64999999999999pt; position: var(--position);">967,655<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 119.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 752.25pt; position: var(--position); top: 440.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 93.5pt;"></span></span><span style="left: 96.13pt; position: var(--position);">6,101<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 119.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 33pt;"><td colspan="7" rowspan="1" style="background-color: #ffffff; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 33pt; left: 0pt; position: var(--position); top: 454.5pt; width: 996.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.66pt; width: 996.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6.55pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 9.72pt; position: var(--position); text-decoration: none; white-space: pre;">Includes Off balance sheet IFRS 9 eligible guarantees and irrevocable facilities.<span style="display: inline-block; height: 6.55pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 9pt; font-style: normal; font-weight: normal; left: 286.91pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 6.55pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 289.41pt; position: var(--position); text-decoration: none; white-space: pre;">The comparatives (2022) were not adjusted for changes in accounting policies. Reference is made to Note 1 'Basis of preparation and significant changes in the current reporting period'.<span style="display: inline-block; height: 6.55pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 18.46pt; width: 996.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 9.72pt; position: var(--position); text-decoration: none; white-space: pre;">The exposure classification to residential mortgages, consumer lending and corporate lending is aligned to the regulatory definition<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">186<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:continuation id="f-117-28" continuedAt="f-117-29"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Modification of financial assets (*)<span style="display: inline-block; height: 9pt;"></span></span></ix:continuation></div><ix:continuation id="f-117-29" continuedAt="f-117-30"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The table below provides the following information:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets that were modified during the year (i.e. qualified as forborne) while they had a loss <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 108.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">allowance measured at an amount equal to lifetime ECL.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 120.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets that were reclassified to stage 1 during the period.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="position: var(--position); top: 161.51pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfFinancialAssetsModifiedSinceInitialRecognitionTableTextBlock" id="f-2625" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 394.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets modified (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 394.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets modified during the period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amortised cost before modification<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification" format="ixt:num-dot-decimal" scale="6" id="f-2626">1,565</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification" format="ixt:num-dot-decimal" scale="6" id="f-2627">1,304</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net modification results<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesModificationGainLoss" scale="6" id="f-2628">75</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesModificationGainLoss" scale="6" id="f-2629">124</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets modified since initial recognition<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 99.75pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Gross carrying amount at 31 December of financial assets for which loss allowance has changed <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">to 12-month measurement during the period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 394.5pt; position: var(--position); top: 99.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-2630">2,599</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 439.5pt; position: var(--position); top: 99.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount" format="ixt:num-dot-decimal" scale="6" id="f-2631">2,382</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 307.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Macroeconomic scenarios and sensitivity analysis of key sources of estimation <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 321.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">uncertainty (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 353.06pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Methodology (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 371.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Our methodology in relation to the adoption and generation of macroeconomic scenarios is described in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 383.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">this section. We continue to follow this methodology in generating our probability-weighted ECL, with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consideration of alternative scenarios and management adjustments supplementing this ECL where, in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management's opinion, the consensus forecast does not fully capture the extent of recent credit or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">economic events. The macroeconomic scenarios are applicable to the whole ING portfolio in the scope of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">IFRS 9 ECLs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 458.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The IFRS 9 standard, with its inherent complexities and potential impact on the carrying amounts of our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">assets and liabilities, represents a key source of estimation uncertainty. In particular, ING&#8217;s reportable ECL <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 482.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">numbers are sensitive to the forward-looking macroeconomic forecasts used as model inputs, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">probability-weights applied to each of the three scenarios, and the criteria for identifying a significant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increase in credit risk. As such, these crucial components require consultation and management judgement, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and are subject to extensive governance.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Baseline scenario (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 80.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As a baseline for IFRS 9, ING has adopted a market-neutral view combining consensus forecasts for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 92.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">economic variables (GDP, unemployment) with market forwards (for interest rates, exchange rates and oil <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 104.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">prices). Input from a leading third-party service provider is used to complement the consensus with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 116.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">consistent projections for variables for which there are no consensus estimates available (most notably <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 128.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">house prices and &#8211; for some countries - unemployment), to generate alternative scenarios, to convert <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 140.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">annual consensus information to a quarterly frequency and to ensure general consistency of the scenarios. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 152.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As the baseline scenario is consistent with the consensus view it can be considered as free from any bias. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 179.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The relevance and selection of macroeconomic variables is defined by the ECL models under credit risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 191.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">model governance. The scenarios are reviewed and challenged by two panels of ING experts. The first panel <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 203.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">consists of (economic) experts from Global Markets Research, risk and modelling, while the second panel <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 215.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">consists of relevant senior managers in ING. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 242.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Alternative scenarios and probability weights (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 258.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Two alternative scenarios are taken into account: an upside and a downside scenario. The alternative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 270.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">scenarios have statistical characteristics as they are based on the forecast deviations of the leading third-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">party service provider.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 309.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">To understand the baseline level of uncertainty around any forecast, the leading third-party service provider <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 321.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">keeps track of all its deviations (so called forecast errors) of the past 20 years. The distribution of forecast <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 333.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">errors for GDP, unemployment, house prices and share prices is applied to the baseline forecast creating a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 345.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">broad range of alternative outcomes. In addition, to understand the balance of risks facing the economy in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 357.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">an unbiased way, the leading third-party service provider runs a survey with respondents from around the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 369.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">world and across a broad range of industries. In this survey respondents put forward their views of key risks. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 381.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Following the survey results, the distribution of forecast errors (that is being used for determining the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 393.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">scenarios) may be skewed.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 420.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For the downside scenario, ING has chosen for the 90th percentile of that distribution because this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">corresponds with the way risk management earnings-at-risk is defined within the Group. The upside <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">scenario is represented by the 10th percentile of the distribution. The applicable percentiles of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">distribution imply a 20 percent probability for each alternative scenario. Consequently, the baseline scenario <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">has a 60 percent probability weighting. Please note that, given their technical nature, the downside and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">upside scenarios are not based on an explicit specific narrative.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">187<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-30" continuedAt="f-117-31"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Macroeconomic scenarios applied (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The macroeconomic scenarios applied in the calculation of&#160; loan loss provisions are based on the consensus <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">forecasts.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 122.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Baseline assumptions (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 134.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The general picture that the consensus conveys is that global economic growth is going through a weak <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 146.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">spell. Inflation has been coming down as energy prices have moderated, demand has weakened and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 158.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">pandemic-related supply problems have eased. Higher interest rates play their part in slowing demand. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 170.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Although central banks could well be done with hiking interest rates &#8211; as inflation continues to fall &#8211; the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 182.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">lagged impact of past monetary tightening is still feeding through to the real economy. This is expected to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 194.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">cause GDP growth to come in even weaker in 2024, but pickup thereafter as the negative effects from tight <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 206.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">monetary policy and high inflation fade. The high-interest rate environment is currently causing corrections <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in house prices, especially in markets where prices surged during the pandemic. Housing market corrections <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 230.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are assumed to gradually decrease in strength.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 257.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The December 2023 consensus expects global output (as measured by the weighted average GDP growth <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 269.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">rate of ING's 25 main markets) to slow from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 235.25pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 237.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-23" decimals="3" name="ing:GlobalOutputPercent" scale="-2" id="f-2632">2.6</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 260.03pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2022, to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 312.39pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="ing:GlobalOutputPercent" scale="-2" id="f-2633">2.4</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 334.66999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2023 and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 392.53999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2237" decimals="3" name="ing:GlobalOutputPercent" scale="-2" id="f-2634">1.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 414.82000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2024. For 2025-2026, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 281.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">economic growth is expected to pick up again to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 258.66999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2238" decimals="3" name="ing:GlobalOutputPercent" scale="-2" id="f-2635">2.3</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 280.95pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 303.19000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2239" decimals="3" name="ing:GlobalOutputPercent" scale="-2" id="f-2636">2.4</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 325.47pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 308.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The US economy outperformed expectations in 2023, driven by strong consumer spending and fiscal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 320.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">support. Still, headwinds have been building up, in part driven by the much higher interest rates currently <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 332.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">experienced. While an outright recession is not expected, the consensus does foresee a marked slowdown in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 344.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">economic activity in the US in 2024. After this, the US economy is expected to gather strength again in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 356.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2025. The consensus expects the growth rate of the US economy to fall from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 382.69000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 385.19000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2240" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2637">2.2</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 407.47pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2023 to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 457.41999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2241" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2638">0.9</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 479.70000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2024 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 368.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and to recover to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 119.22pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2242" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2639">2</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 133.45999999999998pt; position: var(--position); text-decoration: none; white-space: pre;"> on average in 2025-2026.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The eurozone economy is facing broad stagnation as it deals with the impact of the war in Ukraine, energy <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">crisis, and higher interest rates. While inflation is coming down, the impact of last year&#8217;s purchasing power <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shock is still being felt. Monetary tightening works with a lag, which will still affect economic activity next <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">year. Overall, the eurozone economy is forecasted to have grown by just<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 364.65pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 367.15pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2243" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2640">0.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 389.42999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 391.92999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">in 2023, but Germany has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 443.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">gone through recession reflecting its large (energy-intensive) manufacturing sector, and exposure to a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 455.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">disappointing Chinese economy. For next year, the recovery is expected to be very modest as consensus <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 467.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">expects the eurozone to grow by only<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 208.88pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 211.38pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2244" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2641">0.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 233.66pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2024, before recovering to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 367.1pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2245" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2642">1.4</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 389.38pt; position: var(--position); text-decoration: none; white-space: pre;"> on average in 2025-2026.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Elsewhere in Europe, the outlook is mixed. In Poland, after an expected<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 355.51pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 358.01pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2246" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2643">0.4</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 380.28999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 382.78999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">growth in 2023, the economy is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">expected to recover by<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 142.5pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 145pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2247" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2644">2.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 167.28pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 169.78pt; position: var(--position); text-decoration: none; white-space: pre;">in 2024 led by household consumption growth. Wage growth is set to remain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">strong while inflation has subsided substantially. The consensus expectation for T&#252;rkiye is to see growth <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 530.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">slow substantially in 2024 with unemployment remaining around<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 332.95000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 335.45000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2248" decimals="3" name="ing:UnemploymentRate" scale="-2" id="f-2645">10</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 355.32000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 357.82000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">for the foreseeable future. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 542.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consensus sees economic growth in T&#252;rkiye slowing from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.36pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 298.86pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2248" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2646">3.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 321.14pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2023, to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 373.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2249" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2647">2.1</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 395.78pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2024 and increasing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">again to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 594.41pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2250" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2648">3.3</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 616.6899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> on <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 633.2pt; position: var(--position); text-decoration: none; white-space: pre;">on average in 2025-2026. The Russian economy has started to recover from the 2022 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">recession, but growth is set to moderate after<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 759.6pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 762.1pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2251" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2649">1.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 784.38pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2023 to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 834.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2252" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2650">1.2</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 856.6099999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> on average in 2024-2026.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2023 was supposed to be the year of a strong reopening for China, but growth did not meet expectations. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Weak global demand for goods has resulted in a weaker than expected industrial performance and the real <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">estate sector continues to be a source of concern. For the 2024-2026 period, economic growth is expected <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to come in at only<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 636.49pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 638.99pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2253" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2651">4.2</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 661.27pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 663.77pt; position: var(--position); text-decoration: none; white-space: pre;">despite increased stimulus.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The global economic slowdown and tighter monetary policy continue to weigh on economic growth in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Australia. After growing by<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 674.78pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 677.28pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-433" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2652">1.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 699.56pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 702.06pt; position: var(--position); text-decoration: none; white-space: pre;">in 2023, the outlook sees a growth rate of<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 888.37pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 890.87pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2254" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2653">1.3</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 913.15pt; position: var(--position); text-decoration: none; white-space: pre;"> for 2024 and some pick-up <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 566.84pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2255" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2654">2.4</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 589.12pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 611.36pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2256" decimals="3" name="ing:EconomicGrowthRate" scale="-2" id="f-2655">2.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 633.64pt; position: var(--position); text-decoration: none; white-space: pre;"> for 2025-2026.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 702.28pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment is expected to run up a little more, from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 952.51pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 955.01pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-433" decimals="3" name="ing:UnemploymentRate" scale="-2" id="f-2656">4.1</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 977.29pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2023 to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2254" decimals="3" name="ing:UnemploymentRate" scale="-2" id="f-2657">4.4</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 577.3pt; position: var(--position); text-decoration: none; white-space: pre;"> ,<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 582.21pt; position: var(--position); text-decoration: none; white-space: pre;">but decrease again thereafter.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 229.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">When compared to the December 2022 consensus forecast, used for the 2022 Annual Report, the December <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2023 forecast assumes somewhat better economic circumstances in 2023 but weaker for 2024. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 253.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">forecast assumes to have Global GDP increased by<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 780.66pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 783.16pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="ing:GlobalGdpRateIncreaseDecrease" scale="-2" id="f-2658">2.4</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 805.4399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2023 (compared to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 906.8pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="ing:GlobalGdpRateIncreaseDecreaseAssumed" scale="-2" id="f-2659">1.3</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 929.0799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 931.5799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> assumed before) and is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expected to grow by<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 646.74pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 649.24pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2237" decimals="3" name="ing:GlobalGdpRateIncreaseDecrease" scale="-2" id="f-2660">1.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 671.52pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2024 (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 712.8299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2237" decimals="3" name="ing:GlobalGdpRateIncreaseDecreaseAssumed" scale="-2" id="f-2661">2.4</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 735.11pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 737.61pt; position: var(--position); text-decoration: none; white-space: pre;">assumed before). The upgrade for 2023 reflects the better than <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expected economic performance of the US and eurozone as a recession on the back of the energy crisis was <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">avoided, while the downgrade for 2024 reflects the impact of substantial monetary tightening.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Alternative scenarios and risks (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Because of the possible consequences of geopolitical risks, uncertainty surrounding the forecasts was higher <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in 2022. During 2023, the uncertainty level around the forecasts gradually decreased. To take this into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">account, ING applies normal levels of dispersion in the alternative scenarios used for year-end 2023 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">provisioning. For year-end 2022 half-widened dispersion levels were used, by which the near-term <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">dispersion of the forward-looking distributions (from which the alternative scenarios are derived) was larger <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">than in normal times. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The baseline scenario assumes a further easing of inflation in 2024 and relatively resilient labour markets. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">However, a longer period of weakness, due to even more concerning geopolitical tensions, persistent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 439.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">elevated inflation and a slowdown in China could lead to a more protracted and deeper economic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">slowdown. As such, the balance of risks to the baseline outlook is negative and the alternative scenarios <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">have a downward skew in line with the outcomes of the Global Risk Survey from a leading third-party <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 475.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">service provider. The downward skew remained stable compared to what has been applied for year-end <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 487.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022, continuing to reflect risks related to possible escalation of geopolitical tensions, a prolonged surge in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 499.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">inflation and tightening monetary policy. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 526.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The downside scenario, though technical in nature, sees for most countries a recession in 2024. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 538.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment increases strongly in this scenario and house prices in most countries show outright falls. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">188<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-31" continuedAt="f-117-32"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The downside scenario captures a possible escalation of geopolitical tensions, a prolonged surge in inflation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and further slowing in China.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The upside scenario &#8211; while equally technical in nature &#8211; reflects the possibility of a better economic outturn <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">if consumers spend more of their excess savings, geopolitical risks subside and China stimulus works out <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">more strongly than expected. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 156.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Management adjustments applied this year (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In times of volatility and uncertainty where portfolio quality and the economic environment are changing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">rapidly, models alone may not be able to accurately predict losses. In these cases, management <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adjustments can be applied to appropriately reflect ECL. Management adjustments can also be applied <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">where the impact of the updated macroeconomic scenarios is over- or under-estimated by the IFRS 9 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">models. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING has internal governance frameworks and controls in place to assess the appropriateness of all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management adjustments, involving first- and second lines of defence.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 289.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:ManagementAdjustmentsExplanatoryTableTextBlock" id="f-2662" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 394.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 15pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 3.5pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Management adjustments to ECL models (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 15pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 394.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 15pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 15pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27.75pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Economic sector based adjustments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 27.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:EconomicSectorBasedAdjustments" scale="6" id="f-2663">36</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 27.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:EconomicSectorBasedAdjustments" scale="6" id="f-2664">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Inflation and interest rate increases / second-order impact adjustments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 42pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:InflationAndInterestRateIncreasesSecondOrderImpactsAdjustments" scale="6" id="f-2665">351</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 42pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:InflationAndInterestRateIncreasesSecondOrderImpactsAdjustments" scale="6" id="f-2666">334</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 56.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Mortgage portfolio adjustments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 56.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:MortgagePortfolioAdjustments" scale="6" id="f-2667">126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 56.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:MortgagePortfolioAdjustments" scale="6" id="f-2668">105</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 70.5pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other post model adjustments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 70.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:OtherPostModelAdjustmentsManagementAdjustments" scale="6" id="f-2669">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 70.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ing:OtherPostModelAdjustmentsManagementAdjustments" scale="6" id="f-2670">57</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84.75pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total management adjustments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 84.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:ManagementAdjustments" scale="6" id="f-2671">577</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 84.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:ManagementAdjustments" scale="6" id="f-2672">453</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 408.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The economic sector-based adjustments of &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 241.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:EconomicSectorBasedAdjustments" scale="6" id="f-2673">36</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 252.95pt; position: var(--position); text-decoration: none; white-space: pre;"> million as of 31 December 2023 (&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 408.01pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:EconomicSectorBasedAdjustments" scale="6" id="f-2674">71</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 419.27pt; position: var(--position); text-decoration: none; white-space: pre;"> million as at 31 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 420.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">December 2022) fully relates to Business Banking clients that have benefited from Covid-19 related <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">government support programmes in the Netherlands<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 277.99pt; position: var(--position); text-decoration: none; white-space: pre;">. In line with 2022, it became clearer during 2023 that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Covid-19 pandemic had less impact than expected on the number of defaults in related sectors with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">relatively high tax debt to be repaid; the economic sector-based management adjustment has therefore <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">been partially released. The remaining management adjustment is related to sectors with relatively high tax <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">debt to be repaid&#160; and is expected to materialise with delayed effect. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 349.54999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">The<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 365.85pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 373.98pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:EconomicSectorBasedAdjustmentsOverlayForLivestockFarmingSector" scale="6" id="f-2675">10</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 385.24pt; position: var(--position); text-decoration: none; white-space: pre;"> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 417.66999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> adjustment on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">livestock farming sector in the Netherlands that was also included in December 2022, related to nitrogen <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reduction targets has been fully released following improved risk metrics.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING has performed further assessment for both WB and Retail Banking on the impact of second-order <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">effects. The second-order adjustments as at December 2022 captured a wider range of indirect effects such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 555.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as supply chain issues, staffing shortages and high energy prices. In 2023, the risks from high inflation and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rapidly increasing interest rates became more apparent compared to other indirect effects, causing a shift <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in focus of this adjustment. This resulted in an overall adjustment for inflation and interest rate increases of<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1034.37pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 560.65pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:InflationAndInterestRateIncreasesSecondOrderImpactsAdjustments" scale="6" id="f-2676">351</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 577.54pt; position: var(--position); text-decoration: none; white-space: pre;"> million in total as at 31 December 2023, of which &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 806.61pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1259" decimals="-6" name="ing:InflationAndInterestRateIncreasesSecondOrderImpactsAdjustments" scale="6" id="f-2677">138</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 823.5pt; position: var(--position); text-decoration: none; white-space: pre;"> million (31 December 2022: &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 956.95pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1263" decimals="-6" name="ing:InflationAndInterestRateIncreasesSecondOrderImpactsAdjustments" scale="6" id="f-2678">164</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 973.8399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> million) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">relates to Retail Banking segments and &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 737.67pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-402" decimals="-6" name="ing:InflationAndInterestRateIncreasesSecondOrderImpactsAdjustments" scale="6" id="f-2679">213</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 754.56pt; position: var(--position); text-decoration: none; white-space: pre;"> million (31 December 2022: &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 888.01pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1255" decimals="-6" name="ing:InflationAndInterestRateIncreasesSecondOrderImpactsAdjustments" scale="6" id="f-2680">170</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 904.9pt; position: var(--position); text-decoration: none; white-space: pre;"> million) to the Wholesale <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Banking segment. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As the credit risk models in Retail Banking generally assume that inflation and interest rate increases risks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">materialise via other risk drivers such as GDP and unemployment rates with a delay, an overlay approach <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">was determined. The methodology considers debt-to-income ratios and the percentage of loans that are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expected to reprice within one year to timely estimate the expected credit losses related to reduced <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">repayment capacity and affordability for private individuals and business clients in the Retail Banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">segment. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In Wholesale Banking, the IFRS 9 credit risk models mostly leverage on GDP growth as a generic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">macroeconomic variable. High inflation and rapidly increasing interest rates however trigger economic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">heterogeneity (i.e. some businesses benefit, while others suffer), as such the current circumstances are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expected to cause more defaults than normally predicted using GDP growth. A sector-based heatmap <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">approach was used to adjust the probability of default for clients in sectors that are expected to be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">significantly impacted by high inflation and increased interest rates, including refinancing risk. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adjustment is predominantly visible in the commercial real estate sector and reflected in Stage 1 and Stage <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The overall mortgage portfolio adjustment as at 31 December 2023 increased to &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 922.64pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:MortgagePortfolioAdjustments" scale="6" id="f-2681">126</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 939.53pt; position: var(--position); text-decoration: none; white-space: pre;"> million (31 December <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022: &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 588.0799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:MortgagePortfolioAdjustments" scale="6" id="f-2682">105</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 604.97pt; position: var(--position); text-decoration: none; white-space: pre;"> million), as an adjustment of &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 743.49pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2257" decimals="-6" name="ing:MortgagePortfolioAdjustments" scale="6" id="f-2683">115</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 760.38pt; position: var(--position); text-decoration: none; white-space: pre;"> million <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 795.31pt; position: var(--position); text-decoration: none; white-space: pre;"> has been recognised in 2023 following new insights <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from a risk segmentation model that captures affordability, repayment and refinancing risk on performing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 373.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mortgage customers with a bullet loan in the Netherlands. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 400.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The mortgage portfolio adjustment that relates to significant increase of house prices was reduced to<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1008.5pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1016.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:MortgagePortfolioAdjustmentsHousePrices" scale="6" id="f-2684">11</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1027.8899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 412.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million as at 31 December 2023, coming from &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 767.39pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:MortgagePortfolioAdjustmentsHousePrices" scale="6" id="f-2685">105</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 784.28pt; position: var(--position); text-decoration: none; white-space: pre;"> million <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 819.21pt; position: var(--position); text-decoration: none; white-space: pre;">as at December 2022. This decrease is reflecting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 424.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the decline in house prices in various countries, subsequent materialisation into increased model-based ECL <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 436.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as well as an improved market outlook on the recovery value of residential real estate. ING still recognises a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 448.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management adjustment related to house prices in Stage 2 and Stage 3 on the mortgage portfolios in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 460.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Germany to maintain an appropriate level of ECL. The management adjustments are determined by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 472.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">calculating the impact of lower house prices on loan-to-value (LTV) and loss given default (LGD). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 499.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other post-model adjustments (PMAs) mainly relate to the impact of model redevelopment or recalibration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 511.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and periodic model assessment procedures that have not been incorporated in the ECL models yet; the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 523.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">impact on total ECL can be positive or negative. These can result from both regular model maintenance and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 535.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s multi-year programme to update ECL models for the definition of default. These adjustments will be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 547.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">removed once updates to the specific models have been implemented. The change in balance compared to <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">189<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-32" continuedAt="f-117-33"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the previous reporting date is due to i) released PMAs because of model updates that have been <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">implemented, and ii) new PMAs recognised for new redevelopments and recalibrations. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Analysis on sensitivity (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The table below presents the analysis on the sensitivity of key forward-looking macroeconomic inputs used <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in the ECL collective-assessment modelling process and the probability weights applied to each of the three <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">scenarios. The countries included in the analysis are the most significant geographic regions in ING and for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking the US is the most significant in terms of both gross contribution to reportable ECL, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sensitivity of ECL to forward-looking macroeconomics. Accordingly, ING considers these portfolios to present <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the most significant risk of resulting in a material adjustment to the carrying amount of financial assets <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 196.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">within the next financial year. ING also observes that, in general, the WB business is more sensitive to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 208.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impact of forward-looking macroeconomic scenarios.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The purpose of the sensitivity analysis is to enable the reader to understand the extent of the impact from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the upside and downside scenario on model-based reportable ECL.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In the table below, the real GDP is presented in percentage year-on-year change, the unemployment in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">percentage of total labour force and the house price index (HPI) in percentage year-on-year change.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">190<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-33" continuedAt="f-117-34"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:SensitivityAnalysisForCreditRisk" id="f-2686" continuedAt="f-2686-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 105.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 78.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/></tr><tr style="height: 15.75pt;"><td colspan="8" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 4.25pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Sensitivity analysis as at December 2023 (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 184.5pt; position: var(--position); top: 15.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 227.25pt; position: var(--position); top: 15.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 270pt; position: var(--position); top: 15.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">2026<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 312.75pt; position: var(--position); top: 15.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.64pt; position: var(--position); text-decoration: none; white-space: pre;">Un-weighted <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.05pt; position: var(--position); text-decoration: none; white-space: pre;">ECL (&#8364; mln)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 372.75pt; position: var(--position); top: 15.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.7pt; position: var(--position); text-decoration: none; white-space: pre;">Probability<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.06pt; position: var(--position); text-decoration: none; white-space: pre;">-weighting<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 425.25pt; position: var(--position); top: 15.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.8pt; position: var(--position); text-decoration: none; white-space: pre;">Reportable <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.81pt; position: var(--position); text-decoration: none; white-space: pre;">ECL (&#8364; mln)1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 39.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.7pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 25.5pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Upside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 39.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 39.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2258" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2687">1.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 39.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2258" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2688">3.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 39.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2258" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2689">2.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 39.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2259" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2690">214</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 39.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2259" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2691">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="9" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 108pt; left: 425.25pt; position: var(--position); top: 39.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 50.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2260" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-2692">310</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 51.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 51.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2261" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2693">3.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 51.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2261" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2694">3.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 51.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2261" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2695">3.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 63.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 63.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2262" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2696">10.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 63.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2262" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2697">11.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 63.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2262" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2698">4.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 75.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Baseline Scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 75.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 75.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2263" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2699">0.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 75.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2263" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2700">1.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 75.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2263" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2701">1.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 75.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2264" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2702">282</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 75.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2264" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2703">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 87.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 87.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2265" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2704">4.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 87.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2265" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2705">4.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 87.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2265" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2706">4.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 99.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 99.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2266" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2707">0.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 99.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2266" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2708">3.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 99.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2266" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2709">3.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 111.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Downside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 111.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 111.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2267" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2710">1.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 111.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2267" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2711">1.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 111.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2267" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2712">0.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 111.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2268" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2713">487</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 111.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2268" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2714">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 123.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 123.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2269" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2715">5.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 123.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2269" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2716">7.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 123.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2269" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2717">8.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 135.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 135.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.68pt;"></span></span><span style="left: 21.31pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2270" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2718">10.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 135.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2270" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2719">7.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 135.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2270" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2720">3.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 147.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.7pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 25.5pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Upside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 147.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 147.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2271" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2721">1.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 147.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2271" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2722">3.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 147.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2271" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2723">1.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 147.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2272" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2724">472</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 147.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2272" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2725">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="9" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 108pt; left: 425.25pt; position: var(--position); top: 147.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 50.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2273" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-2726">525</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 159.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 159.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2274" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2727">2.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 159.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2274" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2728">2.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 159.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2274" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2729">1.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 171.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 171.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2275" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2730">0.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 171.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2275" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2731">6.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 171.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2275" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2732">8.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 183.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Baseline Scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 183.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 183.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2276" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2733">0.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 183.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2276" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2734">1.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 183.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2276" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2735">1.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2277" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2736">513</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 183.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2277" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2737">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 195.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 195.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2278" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2738">3.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 195.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2278" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2739">3.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 195.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2278" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2740">3.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 207.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 207.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2279" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2741">1.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 207.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2279" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2742">3.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 207.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2279" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2743">4.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 219.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Downside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 219.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 219.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2280" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2744">2.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 219.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2280" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2745">1.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 219.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2280" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2746">0.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 219.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2281" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2747">615</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 219.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2281" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2748">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 231.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 231.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2282" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2749">4.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 231.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2282" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2750">5.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 231.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2282" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2751">5.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 243.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 243.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2283" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2752">6.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 243.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2283" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2753">0.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 243.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2283" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2754">0.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 255.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.7pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 25.5pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Upside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 255.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 255.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2284" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2755">1.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 255.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2284" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2756">2.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 255.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2284" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2757">2.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 255.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2285" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2758">568</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 255.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2285" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2759">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="9" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 108pt; left: 425.25pt; position: var(--position); top: 255.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 50.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2286" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-2760">619</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 267.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 267.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2287" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2761">5.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 267.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2287" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2762">5.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 267.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2287" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2763">4.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 279.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 279.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2288" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2764">1.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 279.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2288" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2765">5.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 279.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2288" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2766">4.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 291.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Baseline Scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 291.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 291.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2289" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2767">0.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 291.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2289" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2768">1.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 291.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2289" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2769">1.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 291.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2290" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2770">604</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 291.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2290" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2771">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 303.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 303.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2291" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2772">5.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 303.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2291" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2773">5.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 303.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2291" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2774">5.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 315.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 315.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2292" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2775">0.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 315.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2292" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2776">5.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 315.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2292" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2777">3.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 327.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Downside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 327.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 327.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2293" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2778">1.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 327.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2293" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2779">0.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 327.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2293" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2780">1.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 327.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2294" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2781">713</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 327.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2294" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2782">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 339.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 339.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2295" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2783">7.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 339.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2295" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2784">8.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 339.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2295" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2785">7.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 351.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 351.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2296" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2786">2.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 351.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2296" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2787">3.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 351.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2296" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2788">2.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 363.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.7pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">United States<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 25.5pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Upside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 363.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 363.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2297" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2789">1.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 363.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2297" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2790">3.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 363.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2297" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2791">3.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 363.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2298" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2792">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 363.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2298" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2793">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="9" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 108pt; left: 425.25pt; position: var(--position); top: 363.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 50.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2299" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-2794">165</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 375.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 375.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2300" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2795">4.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 375.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2300" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2796">3.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 375.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2300" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2797">3.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 387.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 387.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2301" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2798">0.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 387.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2301" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2799">8.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 387.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2301" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2800">8.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 399.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Baseline Scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 399.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 399.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2302" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2801">0.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 399.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2302" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2802">1.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 399.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2302" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2803">2.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 399.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2303" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2804">144</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 399.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2303" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2805">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 411.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 411.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2304" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2806">4.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 411.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2304" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2807">4.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 411.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2304" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2808">4.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 423.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 423.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2305" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2809">0.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 423.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2305" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2810">3.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 423.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2305" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2811">3.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 435.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Downside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 435.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 435.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2306" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2812">1.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 435.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2306" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2813">1.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 435.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2306" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2814">0.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 435.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2307" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2815">292</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 435.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2307" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2816">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 447.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 447.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2308" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2817">6.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 447.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2308" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2818">8.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 447.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2308" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2819">8.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 459.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 459.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2309" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2820">4.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 459.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2309" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2821">2.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 459.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2309" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2822">3.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="8" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 471.75pt; width: 485.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.25pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 9.72pt; position: var(--position); text-decoration: none; white-space: pre;">Excluding management adjustments.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-2686-1"><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 105.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 78.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/></tr><tr style="height: 15.75pt;"><td colspan="8" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 4.25pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Sensitivity analysis as at December 2022 (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 184.5pt; position: var(--position); top: 15.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 227.25pt; position: var(--position); top: 15.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 270pt; position: var(--position); top: 15.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 312.75pt; position: var(--position); top: 15.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.64pt; position: var(--position); text-decoration: none; white-space: pre;">Un-weighted <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.05pt; position: var(--position); text-decoration: none; white-space: pre;">ECL (&#8364; mln)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 372.75pt; position: var(--position); top: 15.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.7pt; position: var(--position); text-decoration: none; white-space: pre;">Probability<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.06pt; position: var(--position); text-decoration: none; white-space: pre;">-weighting<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 425.25pt; position: var(--position); top: 15.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.8pt; position: var(--position); text-decoration: none; white-space: pre;">Reportable <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.81pt; position: var(--position); text-decoration: none; white-space: pre;">ECL (&#8364; mln)1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 39.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.7pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 25.5pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Upside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 39.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 39.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2310" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2823">2.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 39.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2310" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2824">2.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 39.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2310" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2825">2.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 39.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2311" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2826">274</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 39.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2311" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2827">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="9" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 108pt; left: 425.25pt; position: var(--position); top: 39.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 50.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2312" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-2828">381</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 51.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 51.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2313" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2829">4.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 51.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2313" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2830">3.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 51.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2313" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2831">3.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 63.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 63.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2314" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2832">13.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 63.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2314" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2833">11.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 63.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2314" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2834">2.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 75.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Baseline Scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 75.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 75.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2315" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2835">0.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 75.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2315" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2836">1.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 75.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2315" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2837">1.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 75.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2316" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2838">349</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 75.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2316" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2839">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 87.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 87.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2317" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2840">4.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 87.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2317" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2841">4.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 87.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2317" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2842">4.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 99.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 99.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2318" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2843">3.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 99.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2318" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2844">3.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 99.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2318" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2845">2.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 111.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Downside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 111.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 111.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2319" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2846">4.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 111.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2319" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2847">0.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 111.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2319" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2848">0.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 111.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2320" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2849">583</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 111.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2320" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2850">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 123.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 123.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2321" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2851">6.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 123.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2321" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2852">7.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 123.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2321" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2853">8.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 135.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 135.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2322" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2854">8.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 135.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2322" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2855">6.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 135.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2322" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2856">2.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 147.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.7pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 25.5pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Upside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 147.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 147.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2323" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2857">1.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 147.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2323" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2858">2.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 147.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2323" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2859">1.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 147.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2324" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2860">606</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 147.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2324" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2861">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="9" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 108pt; left: 425.25pt; position: var(--position); top: 147.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 50.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2325" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-2862">745</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 159.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 159.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2326" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2863">2.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 159.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2326" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2864">2.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 159.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2326" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2865">1.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 171.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 171.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2327" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2866">0.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 171.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2327" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2867">3.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 171.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2327" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2868">6.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 183.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Baseline Scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 183.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 183.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2328" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2869">0.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 183.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2328" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2870">1.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 183.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2328" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2871">1.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 183.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2329" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2872">726</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 183.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2329" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2873">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 195.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 195.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2330" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2874">3.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 195.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2330" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2875">3.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 195.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2330" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2876">3.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 207.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 207.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2331" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2877">1.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 207.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2331" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2878">0.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 207.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2331" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2879">2.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 219.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Downside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 219.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 219.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2332" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2880">4.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 219.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2332" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2881">0.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 219.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2332" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2882">1.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 219.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2333" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2883">942</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 219.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2333" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2884">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 231.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 231.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2334" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2885">4.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 231.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2334" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2886">5.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 231.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2334" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2887">5.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 243.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 243.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2335" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2888">6.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 243.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2335" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2889">3.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 243.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2335" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2890">1.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 255.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.7pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 25.5pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Upside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 255.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 255.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2336" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2891">1.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 255.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2336" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2892">2.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 255.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2336" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2893">2.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 255.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2337" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2894">535</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 255.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2337" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2895">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="9" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 108pt; left: 425.25pt; position: var(--position); top: 255.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 50.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2338" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-2896">596</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 267.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 267.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2339" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2897">5.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 267.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2339" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2898">5.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 267.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2339" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2899">5.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 279.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 279.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2340" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2900">2.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 279.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2340" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2901">2.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 279.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2340" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2902">3.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 291.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Baseline Scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 291.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 291.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.4pt;"></span></span><span style="left: 33.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2341" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" format="ixt:fixed-zero" scale="0" id="f-2903">&#8212;</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 291.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2341" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2904">1.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 291.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2341" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2905">1.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 291.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2342" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2906">584</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 291.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2342" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2907">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 303.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 303.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2343" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2908">6.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 303.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2343" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2909">6.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 303.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2343" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2910">6.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 315.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 315.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2344" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2911">1.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 315.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2344" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2912">2.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 315.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2344" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2913">2.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 327.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Downside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 327.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 327.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2345" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2914">3.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 327.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2345" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2915">1.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 327.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2345" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2916">1.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 327.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2346" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2917">692</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 327.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2346" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2918">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 339.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 339.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2347" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2919">7.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 339.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2347" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2920">8.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 339.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2347" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2921">8.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 351.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 351.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2348" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2922">1.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 351.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2348" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2923">0.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 351.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2348" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2924">1.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 363.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.7pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">United States<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 25.5pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Upside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 363.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 363.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2349" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2925">3.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 363.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2349" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2926">1.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 363.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2349" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2927">3.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 363.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2350" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2928">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 363.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2350" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2929">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="9" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 108pt; left: 425.25pt; position: var(--position); top: 363.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 50.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2351" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-2930">221</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 375.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 375.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2352" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2931">3.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 375.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2352" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2932">2.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 375.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2352" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2933">2.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 387.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 387.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2353" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2934">3.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 387.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2353" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2935">7.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 387.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2353" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2936">8.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 399.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Baseline Scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 399.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 399.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2354" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2937">0.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 399.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2354" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2938">1.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 399.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2354" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2939">2.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 399.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2355" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2940">188</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 399.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2355" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2941">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 411.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 411.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2356" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2942">4.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 411.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2356" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2943">4.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 411.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2356" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2944">3.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 423.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 423.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2357" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2945">2.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 423.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2357" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2946">2.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 423.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2357" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2947">2.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 0pt; position: var(--position); top: 435.75pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Downside scenario<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 435.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Real GDP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 435.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2358" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2948">4.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 435.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2358" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2949">0.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 435.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2358" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2950">0.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 312.75pt; position: var(--position); top: 435.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.58pt;"></span></span><span style="left: 41.21pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2359" decimals="-6" name="ifrs-full:ExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts" scale="6" id="f-2951">442</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="3" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36pt; left: 372.75pt; position: var(--position); top: 435.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 31.03pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.03pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2359" decimals="2" name="ing:ScenarioProbabilityWeighting" scale="-2" id="f-2952">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.010000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 447.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unemployment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 447.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2360" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2953">6.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 447.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2360" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2954">7.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 447.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.09pt;"></span></span><span style="left: 29.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2360" decimals="2" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2955">8.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105.75pt; position: var(--position); top: 459.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">HPI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 184.5pt; position: var(--position); top: 459.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2361" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearOne" scale="0" id="f-2956">1.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 227.25pt; position: var(--position); top: 459.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2361" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearTwo" scale="0" id="f-2957">3.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 270pt; position: var(--position); top: 459.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-2361" decimals="2" sign="-" name="ing:ExpectedCreditLossesSensitivityYearThree" scale="0" id="f-2958">3.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="8" rowspan="1" style="border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 471.75pt; width: 485.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 2.94pt; width: 485.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1 Excluding management adjustments.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">191<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-34" continuedAt="f-117-35"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">When compared to the sensitivity analysis of 2022, the macroeconomic inputs for 2023 are somewhat <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">more favourable and for 2024 less favourable as the lagged impact of monetary tightening is still feeding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">through to the real economy. The sensitivities for 2022 contain half-widened dispersion around the upside <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and downside scenarios, whereas half-widened dispersion was removed for these scenarios for the 2023 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sensitivity analysis following a continued decrease in forecast uncertainty.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On a total ING level, the unweighted model ECL for all collective provisioned clients in the upside scenario <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">was<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 57.76pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 65.89pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:UnweightedEclForAllCollectiveProvisionedClientsInUpsideScenario" format="ixt:num-dot-decimal" scale="6" id="f-2959">2,510</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 90.82pt; position: var(--position); text-decoration: none; white-space: pre;"> million, in the baseline scenario &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 241.62pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:UnweightedEclForAllCollectiveProvisionedClientsInBaselineScenario" format="ixt:num-dot-decimal" scale="6" id="f-2960">2,802</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 266.55pt; position: var(--position); text-decoration: none; white-space: pre;"> million and in the downside scenario &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 440.49pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:UnweightedEclForAllCollectiveProvisionedClientsInDownScenario" format="ixt:num-dot-decimal" scale="6" id="f-2961">3,668</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 465.41999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> million<span style="display: inline-block; height: 7.5pt;"></span></span><ix:nonNumeric contextRef="c-1" name="ing:ReconciliationOfModelECLToTotalECLExplanatoryTableTextBlock" id="f-2962" continuedAt="f-2962-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 497.85pt; position: var(--position); text-decoration: none; white-space: pre;">. This <span style="display: inline-block; height: 7.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-2962-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reconciles as follows to the reported ECLs:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 190.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 394.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Reconciliation of model (reportable) ECL to total ECL (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 394.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total reportable collective provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2362" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2963">2,856</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2363" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2964">3,209</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ECL from individually assessed impairments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2364" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2965">2,406</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2365" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2966">2,439</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ECL from management adjustments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2366" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2967">577</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2367" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-2968">453</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total ECL<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2368" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2969">5,839</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2369" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-2970">6,101</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 296.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Criteria for identifying a significant increase in credit risk (SICR) (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">All assets and off-balance-sheet items that are in scope of IFRS 9 impairment and which are subject to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">collective ECL assessment are allocated a 12-month ECL if deemed to belong in Stage 1, or a lifetime ECL if <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">deemed to belong in Stages 2 or 3. An asset belongs in Stage 2 if it is considered to have experienced a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">significant increase in credit risk since initial origination or purchase. ING considers the credit risk of an asset <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to have significantly increased when either a threshold for absolute change in lifetime probability of default <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(PD) or a relative change in lifetime PD is reached.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 402.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">It should be noted that the lifetime PD thresholds are not the only drivers of stage allocation. An asset can <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">also change stages as a result of other triggers, such as having over 30 days arrears, being on a watch list or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">being forborne. Refer to section 1.5.6 of Note 1 &#8216;Basis of preparation and significant accounting policies&#8217; for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">an exhaustive list. Furthermore, this analysis is rudimentary in the sense that other parameters would <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">change when an asset changes stages.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 477.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Absolute lifetime PD threshold<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The absolute threshold is a fixed value calibrated per portfolio/segment and provides a fixed threshold that, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">if exceeded by the difference between lifetime PD at reporting date and lifetime PD at origination, triggers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 2 classification. The expert-based thresholds for the absolute change in lifetime PD vary between <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">75bps for Retail portfolios, 100bps for WB and 250bps for SMEs, based on the characteristics of the specific <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio. ING is in the process of refining the thresholds on a portfolio level. These have already been <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">implemented for part of the portfolio, resulting in calibrated instead of expert-based absolute lifetime PD <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">thresholds.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Relative lifetime PD threshold<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The relative threshold defines a relative increase of the lifetime PD beyond which a given facility is classified <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 131.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in Stage 2 because of significant increase in credit risk. The relative threshold is dependent on the individual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 143.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">PD assigned to each facility at the moment of origination and a scaling factor calibrated in the model <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 155.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">development phase that is optimised depending on the observed default rates and overall average riskiness <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of the portfolio. While the scaling factor is associated with a whole portfolio/segment, the PD at origination <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 179.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">is facility-specific and, in this sense, the relative threshold may differ facility by facility.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 206.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Ultimately the relative threshold provides a criterion to assess whether the ratio (i.e. increase) between <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">lifetime PD at reporting date and lifetime PD at origination date is deemed a significant increase in credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 230.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk. If the threshold is breached, SICR is identified and Stage 2 is assigned to the given facility. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 257.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The threshold for the relative change in lifetime PD is inversely correlated with the PD at origination; the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 269.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">higher the PD at origination, the lower the threshold. The logic behind this is to allow facilities originated in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 281.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">very favourable ratings to downgrade for longer without the need of a Stage 2 classification. In fact, it is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 293.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">likely that such facilities will still be in favourable ratings even after a downgrade of a few notches. On the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 305.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contrary, facilities originated in already unfavourable ratings grades are riskier and even a single-notch <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 317.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">downgrade might represent a significant increase in credit risk and thus a tighter threshold will be in place. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 329.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Still, the relative threshold is relatively sensitive for investment grade assets while the absolute threshold <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 341.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">primarily affects non-investment grade assets.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 368.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Average threshold ratio<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 384.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In the table below the average increase in PD at origination needed to be classified in Stage 2 is reported, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 396.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">taking into account the PD at origination of the facilities included in each combination of asset class and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 408.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rating quality. In terms of rating quality, assets are divided into 'investment grade' and 'non-investment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 420.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">grade' facilities. Rating 18 and 19 are not included in the table since facilities are not originated in these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ratings and they constitute a staging trigger of their own (i.e. if a facility is ever to reach rating 18 or 19 at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reporting date, it is classified in Stage 2). In the table, values are weighted by IFRS 9 exposure and shown for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">both year-end 2022 and year-end 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">To represent the thresholds as a ratio (i.e. how much should the PD at origination increase in relative terms <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to trigger Stage 2 classification) the absolute threshold is recalculated as a relative threshold for disclosure <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">purposes. Since breaching only relative or absolute threshold triggers Stage 2 classification, the minimum <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">between the relative and recalculated absolute threshold is taken as value of reference for each facility.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">192<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-117-35" continuedAt="f-117-36"><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:AssetClassCategoryAverageThresholdInvestmentGradeExplanatoryTableTextBlock" id="f-2971" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 482.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 176.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="5" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 482.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 482.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Quantitative SICR thresholds&#160; (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 176.25pt; position: var(--position); top: 14.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 153pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 129.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 329.25pt; position: var(--position); top: 14.25pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 153pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 129.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 27pt; width: 176.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 176.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Average threshold ratio<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 176.25pt; position: var(--position); top: 27pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.11pt; position: var(--position); text-decoration: none; white-space: pre;">Investment <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.37pt; position: var(--position); text-decoration: none; white-space: pre;">grade (rating <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.79pt; position: var(--position); text-decoration: none; white-space: pre;">grade 1-10)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 252.75pt; position: var(--position); top: 27pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.42pt; position: var(--position); text-decoration: none; white-space: pre;">Non-investment <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.37pt; position: var(--position); text-decoration: none; white-space: pre;">grade (rating <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.73pt; position: var(--position); text-decoration: none; white-space: pre;">grade 11-17)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 329.25pt; position: var(--position); top: 27pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.11pt; position: var(--position); text-decoration: none; white-space: pre;">Investment <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.37pt; position: var(--position); text-decoration: none; white-space: pre;">grade (rating <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.79pt; position: var(--position); text-decoration: none; white-space: pre;">grade 1-10)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 405.75pt; position: var(--position); top: 27pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.42pt; position: var(--position); text-decoration: none; white-space: pre;">Non-investment <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.37pt; position: var(--position); text-decoration: none; white-space: pre;">grade (rating <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.73pt; position: var(--position); text-decoration: none; white-space: pre;">grade 11-17)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 62.25pt; width: 176.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 176.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Asset class category<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 76.5pt; width: 176.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 176.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Mortgages<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 176.25pt; position: var(--position); top: 76.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2370" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2972">2.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 252.75pt; position: var(--position); top: 76.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2371" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2973">2.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 76.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2372" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2974">2.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 76.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2373" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2975">2.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 90.75pt; width: 176.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 176.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Consumer Lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 176.25pt; position: var(--position); top: 90.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2374" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2976">2.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 252.75pt; position: var(--position); top: 90.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2375" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2977">2.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 90.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2376" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2978">2.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 90.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2377" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2979">1.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 105pt; width: 176.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 176.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Business Lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 176.25pt; position: var(--position); top: 105pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2378" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2980">2.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 252.75pt; position: var(--position); top: 105pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2379" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2981">2.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 105pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2380" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2982">2.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 105pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2381" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2983">2.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 119.25pt; width: 176.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 176.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Governments and Financial Institutions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 176.25pt; position: var(--position); top: 119.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2382" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2984">3.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 252.75pt; position: var(--position); top: 119.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2383" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2985">1.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 119.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2384" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2986">3.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 119.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2385" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2987">1.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 133.5pt; width: 176.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 176.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other Wholesale Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 176.25pt; position: var(--position); top: 133.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2386" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2988">2.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 252.75pt; position: var(--position); top: 133.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2387" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2989">1.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 133.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2388" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2990">2.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 133.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.98pt;"></span></span><span style="left: 60.61pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2389" decimals="2" name="ing:AverageThresholdRatio" scale="0" id="f-2991">1.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As it is apparent from the disclosures above, as per ING&#8217;s methodology, the threshold is tighter the higher <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the riskiness at origination of the assets, illustrated by the difference between the average threshold applied <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to investment grade facilities and non-investment grade facilities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 283.66pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Sensitivity of ECL to PD lifetime PD thresholds<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The setting of PD threshold bands requires management judgement and is a key source of estimation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">uncertainty. On Group level, the total model ECL on performing assets, which is the ECL collective-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">assessment without taking management adjustments into account, is<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 353.87pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 362pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:TotalECLCollectiveAssessment" format="ixt:num-dot-decimal" scale="6" id="f-2992">1,412</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 386.92999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> million. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 424.27pt; position: var(--position); text-decoration: none; white-space: pre;">To demonstrate the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sensitivity of the ECL to these PD thresholds bands, hypothetically solely applying the upside scenario would <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">result in total model ECL on performing assets of<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 257.36pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 265.49pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2390" decimals="-6" name="ing:TotalEclCollectiveAssessmentForPerformingAssets" format="ixt:num-dot-decimal" scale="6" id="f-2993">1,054</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 290.41999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> million <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 325.35pt; position: var(--position); text-decoration: none; white-space: pre;"> and a decrease in the Stage 2 ratio by<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 497.62pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="number" contextRef="c-2391" decimals="3" sign="-" name="ing:IncreaseDecreaseInAverageThresholdRatio" scale="-2" id="f-2994">0.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 65.98pt; position: var(--position); text-decoration: none; white-space: pre;">-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.71pt; position: var(--position); text-decoration: none; white-space: pre;">percentage point, while solely applying the downside scenario in our models would result in total <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">model ECL on performing assets of<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 195.53pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 203.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2392" decimals="-6" name="ing:TotalEclCollectiveAssessmentForPerformingAssets" format="ixt:num-dot-decimal" scale="6" id="f-2995">2,290</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 228.59pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 231.09pt; position: var(--position); text-decoration: none; white-space: pre;">million and an increase in the Stage 2 ratio by<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 436.04999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 438.54999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2393" decimals="3" name="ing:IncreaseDecreaseInAverageThresholdRatio" scale="-2" id="f-2996">3.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 460.83000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">-point. <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">193<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_139"></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:continuation id="f-117-36" continuedAt="f-117-37"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Market risk<span style="display: inline-block; height: 12pt;"></span></span></ix:continuation></div><ix:continuation id="f-117-37" continuedAt="f-117-38"><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 102.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Introduction (*)<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Market risk is the risk that movements in market variables, such as interest rates, equity prices, foreign <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exchange rates, credit spreads and real estate prices negatively impact the bank&#8217;s earnings, capital, market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">value or liquidity position. Market risk either arises through positions in banking books or trading books. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">banking book positions are intended to be held for the long term (or until maturity) or for the purpose of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hedging other banking book positions. The trading book positions are typically held with the intention of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">short-term trading or to hedge other positions in the trading book. This means that financial instruments in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 196.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the trading books should be free of trade restrictions. Policies and processes are in place to monitor the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 208.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">inclusion of positions in either the trading or banking book as well as to monitor the transfer of risk between <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 220.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the trading and banking books. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING recognises the importance of sound market risk management and bases its market risk management <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">framework on the need to identify, assess, control and manage market risks. The approach consists of five <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">recurring activities: risk identification, risk assessment, risk control, risk monitoring and risk reporting.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Governance (*)<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 324.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">A governance framework has been established defining specific roles and responsibilities of business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 336.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management units, market risk management units, and internal approval bodies per activity. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Supervision of market risk falls under the responsibility of the EB/MBB and is delegated to the ALCO function, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">where ALCO Bank is the highest approval authority and sets the market risk appetite. ALCO Bank monitors <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s adherence to the risk appetite for market risk and sets additional limits where appropriate. These limits <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are cascaded through the organisation through lower level ALCOs. This ALCO structure facilitates top-down <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk management, limit setting, limit monitoring and control of market risk.&#160;  <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">FR maintains a limit framework in line with ING&#8217;s Risk Appetite Framework. The businesses are responsible <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for adhering to the limits which are reviewed on an annual basis and are ultimately approved by the ALCO <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Bank. Limit excesses are reported to senior management in line with the ALM Risk Appetite Statement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Setting procedure and Market Risk in the Trading Book Framework, upon which the business needs to act <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">accordingly. To adhere to the established limit framework, ING implements hedging and risk mitigation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">strategies that range from the use of traditional market instruments, such as interest rate swaps, to more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sophisticated hedging strategies. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 537.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The organisational structure facilitates top-down risk management by recognising that risk taking and risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 549.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management occur to a large extent at the regional/local level. Bottom-up reporting from regional/local <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">units to head office units allows each management level to assess the market risks relevant at the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">respective levels.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Several committees govern communication between the parties involved in market risk management:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">The Market Risk Model Committee (MRMC), is the dedicated authority for the approval of all funding &amp; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 128.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">liquidity risk, market risk (includes banking and trading risk), counterparty credit risk and business risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 141.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">models and parameters for ING Bank within its mandate delegated by ALCO Bank. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">The Valuation Model Committee approves pricing models for trading and banking books. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Risk provides risk reporting to the EB and MBB, the ALCO Bank and the senior executive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management of related business functions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following sections elaborate on the various elements of the risk management framework for:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 226.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Market risk economic capital;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Market risk in banking books;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 251.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Market risk in trading books.<span style="display: inline-block; height: 12pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 282.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Market risk economic capital<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 305.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Market Risk Economic Capital (MREC) measures the capital ING must hold to protect itself against losses due <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 317.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to market risks. MREC covers the entire balance sheet of ING Group, and includes market risk sub-types such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 329.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as: interest rate and basis risk, credit spread risk, customer behaviour risk, FX risk, equity risk and commodity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 341.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 368.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">MREC is calculated as the 99.9 percent worst value loss that can be incurred from one-year shocks to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 380.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">underlying risk drivers. While aggregating the different economic capital market risk figures for the different <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 392.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">portfolios, diversification benefits are taken into account as it is not expected that all extreme market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 404.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">movements will appear at the same moment.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 434.31pt; width: 1080pt;"><ix:continuation id="f-117-38" continuedAt="f-117-39"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Market risk in banking books (*)<span style="display: inline-block; height: 10.5pt;"></span></span></ix:continuation></div><ix:continuation id="f-117-39" continuedAt="f-117-40"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 457.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING makes a distinction between the trading and banking (non-trading) books. Positions in banking books <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">originate from the market risks inherent in commercial products that are sold to clients, Group Treasury <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 481.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">exposures, and from the investment of our own funds (core capital). Both the commercial products and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">products used to hedge related market risk exposures are intended to be held until maturity, or at least for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the long term. <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">194<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-117-40" continuedAt="f-117-41"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk transfer (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Market risks in the banking book are managed via the risk transfer process. In this process the interest rate, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 91.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">FX, funding and liquidity risks are transferred from the commercial books through matched funding or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">replication to Group Treasury, where centrally managed. The scheme below presents the transfer and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management process of market risks in the banking books.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: var(--position); top: 142.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 475.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 475.5pt;"/></tr><tr style="height: 414pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 414pt; left: 0pt; overflow: hidden; position: var(--position); top: 0pt; width: 475.5pt;"><div><div style="position: var(--position); top: 2.63pt; width: 475.5pt;"><div style="left: 2.63pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g17.jpg" alt="2023 Risk transfer-v2.jpg" style="height: 407.01pt; width: 388.35pt;"/></div></div></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:continuation id="f-117-41" continuedAt="f-117-42"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risk measurement (*)<span style="display: inline-block; height: 9pt;"></span></span></ix:continuation></div><ix:continuation id="f-117-42" continuedAt="f-117-43"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The main concepts and metrics used for measuring market risk in the banking book are described below per <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk type.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 124.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Interest rate risk in banking book (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Interest rate risk in the banking book is defined as the exposure of a bank&#8217;s earnings, capital, and market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">value to adverse movements in interest rates originated from positions in the banking book.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 183.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Governance (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The management of interest rate risk follows the Interest Rate Risk in the Banking Book (IRRBB) framework <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as approved by ALCO Bank. This framework describes roles, responsibilities, risk metrics, and the policies and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">procedures related to interest rate risk management. Furthermore, ALCO Bank reviews and sets the risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">appetite for interest rate risk on an annual basis. The risk appetite is translated into limits for the interest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rate risk metrics. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As a result of this framework, ING centralises interest rate risk management from commercial books (that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">capture the products sold to clients) to globally managed interest rate risk books. This enables a clear <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">demarcation between commercial business results and results based on unhedged interest rate positions. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING distinguishes between three types of activities that generate interest rate risk in the banking book:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 340.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Investment of own funds;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Commercial business;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 365.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Group Treasury exposures including strategic interest rate positions.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 393.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Group Treasury is responsible for managing the investment of own funds (core capital). Capital is invested <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for longer periods to contribute to stable earnings within the risk appetite boundaries set by ALCO Bank. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 417.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">main objective is to maximise the economic value of the capital investment book while having stable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 429.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">earnings.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Commercial activities can result in linear interest rate risk, for example, tenors and duration of new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">production and re-pricing of assets differ from those of liabilities. Also, interest rate risk can arise from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customer behaviour and/or convexity risk, depending on the nature of the underlying product <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">characteristics. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Customer behaviour risk is defined as the potential future (value) loss due to deviations in the actual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">behaviour of clients versus the modelled behaviour with respect to the embedded options in commercial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">products. General sources of customer behaviour risk, among other things, include the state of the <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">195<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-43" continuedAt="f-117-44"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">economy, competition, changes in regulation, legislation and tax regime, developments in the housing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">market <span style="display: inline-block; height: 7.5pt; width: 1.14pt;"></span></span><span style="left: 75.97pt; position: var(--position);">and interest rate developments.<span style="display: inline-block; height: 7.5pt;"></span></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">From an interest rate risk perspective, commercial activities can typically be divided into the following main <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">product types: savings and current accounts (funds entrusted), demand deposits, mortgages and loans.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Savings and demand deposits are generally invested in such a way that both the value is hedged and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sensitivity of the margin to market interest rates is minimised. The contractual nature of investments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(assets) implies that the adjustment to market rates (repricing of assets) is not immediate, therefore the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest rate risk can arise with either positive or negative impact on the income. Interest rate risk is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">modelled based on the stability of deposits and the pass-through rate. This takes account of different <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">elements, such as pricing strategies, volume developments and the level and shape of the yield curve. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Savings volumes are typically assumed to be relatively stable and less sensitive to rate changes.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Interest rate risk for mortgages arises due to prepayment or other embedded optionalities. In modelling this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 253.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk, both interest-rate-dependent pre-payments and constant prepayments, are considered. Next to a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">dependence on interest rates, modelled prepayments may include other effects such as loan-to-value, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">seasonality and the reset date of the loan. In addition, the interest sensitivity of embedded offered rate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">options may be considered.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking loans typically do not experience interest-rate-dependent prepayment behaviour. These <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">portfolios are match-funded taking the constant prepayment model into account and typically do not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">contain significant convexity risk. Wholesale Banking loans can have an all-in rate floor or a floor on a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reference rate.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Customer behaviour in relation to mortgages, loans, savings and demand deposits is modelled, based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">extensive research. However, the substantial change in the interest rate environment makes extensive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">research more challenging than before and may increase model risk. Models are backtested and updated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">when deemed necessary in an annual procedure. Model parameters and the resulting risk measures are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">approved by (local) ALCO and are closely monitored on a monthly basis.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Linear risk transfers take place from commercial business books to the treasury book (Group Treasury), if <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">necessary, by using estimations of customer behaviour. The originating commercial business is ultimately <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">responsible for estimating customer behaviour, leaving convexity risk and (unexpected) customer behaviour <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk with the commercial business. Risk measurement and the risk transfer process take place at least <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">monthly. However, if deemed necessary, additional risk transfers can take place. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The commercial business manages the convexity risk that is the result of products that contain embedded <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">options, like mortgages. Here the convexity risk is defined as the optionality effects in the value due to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">interest rate changes, excluding the first-order effects. In some cases, convexity risk is transferred from the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">commercial books to treasury books using cap/floor contracts and swaptions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In the following sections, the interest rate risk exposures in the banking books are presented. ING quantifies <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk measures from both earnings and value perspectives. Net interest income (NII)-at-Risk is used to provide <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the earnings perspective and the net present value (NPV)-at-Risk figures provide the value perspective. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Please note that the interest rate risk that stems from the commercial business is assumed to be linearly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hedged but no additional corrective management actions are taken into account in the NPV-at-Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">measure. In the NII-at-Risk measure, a more dynamic hedging process is taken into account.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">During 2023, the following activities related to the risk measurement for IRRBB were performed:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Annual review of the risk appetite for market risks in the banking book including further enhancements;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 215.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Further assessment and development of sub-risk types, such as tenor basis risk, vega optionality risk and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 228.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">client behaviour risk;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 241.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Set up of standardised risk measurement related to global crisis risk;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 254.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Annual review of the interest rates scenarios used for calculating NII-at-Risk and NPV-at-Risk;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 266.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Annual savings/current account model updates;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 279.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Annual update of parameters of prepayment models for market developments;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 292.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Further enhancement of the IRRBB framework in relation to upcoming regulatory requirements (e.g. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 305.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">anticipation on implementation and measurement of the upcoming regulatory metric NII SOT, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 318.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">development of additional requirements coming forward from latest EBA guidelines);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 330.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Further strengthening of customer behaviour risk and model risk frameworks<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 360.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest income (NII) at Risk (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The NII-at-Risk measures the impact of changing interest rates on the forecasted net interest income <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(before tax) of the banking book, excluding the impacts of credit spread sensitivity, fees and fair value <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">impact. Future projected balance sheet developments are included in this risk metric. NII-at-Risk is a metric <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that helps provide insight as to what extent ING's NII under alternative interest rates developments deviates <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from what was assumed in our dynamic plan projections.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In its risk management, ING monitors the NII-at-Risk under a three-year timeframe. Interest rates are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">stressed during the first year versus the prevailing curve, taking gradual changes over the first year. The rate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">changes considered comprise both upward and downward scenarios, as well as parallel (equal movements <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">across the yield curve) and non-parallel scenarios.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The impact of changing interest rates on ING&#8217;s NII is predominantly caused by the following factors:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 529.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Change in returns of (re-)investments of client deposits;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 541.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Change in client deposit rates (mainly savings), (partially) tracking changes in market interest rates;<span style="display: inline-block; height: 12pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">196<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-44" continuedAt="f-117-45"><div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Change in the amortization profile of mortgages, due to an increase or decrease in expected <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">prepayments;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Higher/lower returns of (re-)investments of capital investment;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Open interest rate positions, leading to changes in return because of different market rates;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Assumed volume development of the balance sheet in line with ING's dynamic plan.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 143.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For projecting the change in client deposit rates, ING uses a client rate model that describes the relation to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 155.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">market interest rates and client deposit rates. The model is calibrated under a range of interest rate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">scenarios. Per scenario the actual change in client deposit rates may deviate from this calibrated model. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 179.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">actual NII development of customer deposits may, indeed, differ from the provided scenarios, depending on, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 191.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">amongst others, actual interest rate and savings client rate evolution, as well as changes to ING&#8217;s balance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 203.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sheet composition such as net deposit growth and relative share of savings deposits and non-remunerated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 215.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">current accounts. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 242.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The NII-at-Risk figures in the table below reflect a parallel, linear interest rate movement during a year <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 254.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">('ramped') under the assumption of balance sheet developments in line with the ING's dynamic plan with a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 266.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">time horizon of one year. The majority of the risk comes from fixed-rate positions, most notably non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10.5pt; position: var(--position); top: 278.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">remunerated current accounts and variable-rate savings accounts<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 336.40999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 306.51pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfNetInterestIncomeNIIAtRiskExplanatoryTableTextBlock" id="f-2997" continuedAt="f-2997-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The NII-at-Risk is primarily driven by the difference in sensitivity of client liabilities, mainly savings, versus <span style="display: inline-block; height: 7.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-2997-1" continuedAt="f-2997-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 318.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the sensitivity of client assets and investments to rate changes. The investment of own funds only impacts <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 330.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the earnings sensitivity marginally, as only a relatively small part has to be (re)invested within the one-year <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 342.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">horizon.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: var(--position); top: 369.51pt; width: 1080pt;"><ix:continuation id="f-2997-2"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 252pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="5" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 483pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">NII-at-Risk banking book per currency - year one (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 252pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 252pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 252pt; position: var(--position); top: 14.25pt; width: 115.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 115.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 91.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 367.5pt; position: var(--position); top: 14.25pt; width: 115.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 115.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 91.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 252pt; position: var(--position); top: 27pt; width: 115.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 115.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.32pt; position: var(--position); text-decoration: none; white-space: pre;">Ramped, unfloored<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 367.5pt; position: var(--position); top: 27pt; width: 115.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 115.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.32pt; position: var(--position); text-decoration: none; white-space: pre;">Ramped, unfloored<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 252pt; position: var(--position); top: 41.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">parallel &#9660;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309.75pt; position: var(--position); top: 41.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">parallel &#9650;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 367.5pt; position: var(--position); top: 41.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">parallel &#9660;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 41.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">parallel &#9650;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 54pt; width: 252pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 252pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">By currency<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 68.25pt; width: 252pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 252pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Euro<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 252pt; position: var(--position); top: 68.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.59pt;"></span></span><span style="left: 36.220000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2394" decimals="-6" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-2998">165</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309.75pt; position: var(--position); top: 68.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.94pt;"></span></span><span style="left: 39.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2395" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-2999">155</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 367.5pt; position: var(--position); top: 68.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.59pt;"></span></span><span style="left: 36.220000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2396" decimals="-6" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-3000">119</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 68.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.94pt;"></span></span><span style="left: 39.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2397" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-3001">114</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 82.5pt; width: 252pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 252pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">US dollar<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 252pt; position: var(--position); top: 82.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.65pt;"></span></span><span style="left: 41.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2398" decimals="-6" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-3002">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309.75pt; position: var(--position); top: 82.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42pt;"></span></span><span style="left: 44.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2399" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-3003">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 367.5pt; position: var(--position); top: 82.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.71pt;"></span></span><span style="left: 46.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2400" decimals="-6" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-3004">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 82.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.06pt;"></span></span><span style="left: 49.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2401" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-3005">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 96.75pt; width: 252pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 252pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 252pt; position: var(--position); top: 96.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.65pt;"></span></span><span style="left: 41.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2402" decimals="-6" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-3006">62</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309.75pt; position: var(--position); top: 96.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42pt;"></span></span><span style="left: 44.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2403" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-3007">69</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 367.5pt; position: var(--position); top: 96.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.65pt;"></span></span><span style="left: 41.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2404" decimals="-6" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-3008">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 96.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42pt;"></span></span><span style="left: 44.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2405" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-3009">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 111pt; width: 252pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 252pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 252pt; position: var(--position); top: 111pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.92pt;"></span></span><span style="left: 35.550000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2406" decimals="-6" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-3010">239</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309.75pt; position: var(--position); top: 111pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.4pt;"></span></span><span style="left: 39.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2407" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-3011">236</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 367.5pt; position: var(--position); top: 111pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.92pt;"></span></span><span style="left: 35.550000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2408" decimals="-6" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-3012">142</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 111pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.4pt;"></span></span><span style="left: 39.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2409" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-3013">142</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 125.25pt; width: 252pt;"><div><div style="line-height: 8pt; position: var(--position); top: 2.94pt; width: 252pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">EUR ramped (unfloored) is at +/- 110bps in 1 year (2022: +/-100bps)<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 138pt; width: 252pt;"><div><div style="line-height: 8pt; position: var(--position); top: 2.94pt; width: 252pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">USD ramped (unfloored) is at +/- 110bps in 1 year (2022: +/-120bps)<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></ix:continuation></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The change in NII under a declining and upward interest rate scenarios may not be equal. This is due to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 552.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">different expected reactions in prepayment behaviour of mortgages and different pricing developments of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">commercial loans and deposits products (mainly savings). This is caused by embedded options, explicit or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">implicit pricing floors and other (assumed) pricing factors.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Year-on-year variance analysis (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In our customer deposit composition current accounts decreased and term deposits increased. Over 2023 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the one-year asset repricing versus liability repricing increased, leading to a higher NII-at-Risk.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023 central banks tightened monetary conditions, a continuation of a trend started in 2022 to counter <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">high inflation. The interest rates, however, stabilised in the second half of the year as inflation started to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ease. ING applied a dynamic hedging process, by which interest rate risk was transferred from the business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to Group Treasury and subsequently hedged in the markets. This process mitigates interest rate risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">resulting in a lower sensitivity for rate changes of ING's NII. However, the main drivers of a potential change <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of NII sensitivity are balance sheet developments, specifically relating to mortgages, loans and savings. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the eurozone, mortgage production was impacted by an increase in interest rates. Next to the impact on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">new production, the prepayment incentive generally decreased due to the increase in interest rates. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">funds entrusted volume did not change significantly. The impact of explicit and implicit floors on both rates <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of client assets and savings phased out in the course of the year on the back of the interest rate increases. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 283.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Pre-existing hedges, as executed by Group Treasury, were also adjusted continuously throughout the year <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 295.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to hedge any interest rate risk coming from higher interest rates. Furthermore, ING&#8217;s investment of own <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">funds took place against a lower duration reducing sensitivity. Excluding Model Risk, the total NII-at-Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remains relatively limited in comparison to ING&#8217;s total interest income.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 348.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net Present Value (NPV) at Risk (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 366.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">NPV-at-Risk measures the impact of changing interest rates on the value of the positions in the banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 378.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">book. The NPV-at-Risk is defined as the outcome of an instantaneous increase or decrease in interest rates <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from applying currency-specific scenarios. The NPV-at-Risk asymmetry between the downward and upward <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 402.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">shock is mainly caused by convexity risk in the mortgage and savings portfolio.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 429.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The full value impact cannot be directly linked to the financial position or profit or loss account, as fair value <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 441.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">movements in banking books are not necessarily reported through the profit or loss account or through <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">other comprehensive income (OCI). The changes in value are expected to materialise over time in the profit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and loss account if interest rates develop according to forward rates throughout the remaining maturity of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 477.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the portfolio. The majority of the risk comes from the investments of own funds and from positions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 489.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">exhibiting negative convexity due to embedded optionality (most notably variable rate savings rate and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 501.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">fixed rate mortgages).<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">197<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-45" continuedAt="f-117-46"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfNPVAtRiskExplanatoryTableTextBlock" id="f-3014" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 482.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 251.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="5" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 482.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 482.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">NPV-at-Risk banking books per currency (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 251.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 251.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 251.25pt; position: var(--position); top: 14.25pt; width: 115.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 115.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 91.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 366.75pt; position: var(--position); top: 14.25pt; width: 115.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 115.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 91.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 251.25pt; position: var(--position); top: 27pt; width: 115.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 115.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">unfloored<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 27pt; width: 115.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 115.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">unfloored<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 251.25pt; position: var(--position); top: 41.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">parallel &#9660;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 41.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">parallel &#9650;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 366.75pt; position: var(--position); top: 41.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">parallel &#9660;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 424.5pt; position: var(--position); top: 41.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">parallel &#9650;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 54pt; width: 251.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 251.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">By currency<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 68.25pt; width: 251.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 251.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Euro<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 251.25pt; position: var(--position); top: 68.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2410" decimals="-6" sign="-" name="ing:NetPresentValueAtRisk" scale="6" id="f-3015">291</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 68.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2411" decimals="-6" sign="-" name="ing:NetPresentValueAtRisk" scale="6" id="f-3016">645</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 68.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2412" decimals="-6" name="ing:NetPresentValueAtRisk" scale="6" id="f-3017">392</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 424.5pt; position: var(--position); top: 68.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2413" decimals="-6" sign="-" name="ing:NetPresentValueAtRisk" scale="6" id="f-3018">926</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 82.5pt; width: 251.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 251.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">US dollar<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 251.25pt; position: var(--position); top: 82.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2414" decimals="-6" name="ing:NetPresentValueAtRisk" scale="6" id="f-3019">186</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 82.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2415" decimals="-6" sign="-" name="ing:NetPresentValueAtRisk" scale="6" id="f-3020">178</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 82.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2416" decimals="-6" name="ing:NetPresentValueAtRisk" scale="6" id="f-3021">137</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 424.5pt; position: var(--position); top: 82.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2417" decimals="-6" sign="-" name="ing:NetPresentValueAtRisk" scale="6" id="f-3022">147</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 96.75pt; width: 251.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 251.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 251.25pt; position: var(--position); top: 96.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2418" decimals="-6" name="ing:NetPresentValueAtRisk" scale="6" id="f-3023">131</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 96.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2419" decimals="-6" sign="-" name="ing:NetPresentValueAtRisk" scale="6" id="f-3024">146</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 96.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2420" decimals="-6" name="ing:NetPresentValueAtRisk" scale="6" id="f-3025">66</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 424.5pt; position: var(--position); top: 96.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.9pt;"></span></span><span style="left: 43.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2421" decimals="-6" sign="-" name="ing:NetPresentValueAtRisk" scale="6" id="f-3026">79</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 111pt; width: 251.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 251.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 251.25pt; position: var(--position); top: 111pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.89pt;"></span></span><span style="left: 46.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2422" decimals="-6" name="ing:NetPresentValueAtRisk" scale="6" id="f-3027">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 111pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.17pt;"></span></span><span style="left: 37.800000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2423" decimals="-6" sign="-" name="ing:NetPresentValueAtRisk" scale="6" id="f-3028">969</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 111pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.65pt;"></span></span><span style="left: 41.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2424" decimals="-6" name="ing:NetPresentValueAtRisk" scale="6" id="f-3029">594</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 424.5pt; position: var(--position); top: 111pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.77pt;"></span></span><span style="left: 30.4pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2425" decimals="-6" sign="-" name="ing:NetPresentValueAtRisk" format="ixt:num-dot-decimal" scale="6" id="f-3030">1,153</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 125.25pt; width: 251.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.25pt; width: 251.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">EUR ramped (unfloored) is at +/- 110bps (2022: +/-100bps)<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 138pt; width: 251.25pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.25pt; width: 251.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">USD ramped (unfloored) is at +/- 110bps (2022: +/-120bps)<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 237.66pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Year-on-year variance analysis (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The overall NPV sensitivity remained limited in 2023, reflecting of proper risk transfer and hedging process. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 268.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The worst case scenario, parallel up, remained relatively unchanged. Most of the year-to-year move is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 280.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">coming from mortgages, partly offset by savings and derivatives from hedging activities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 309.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">IBOR transition (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In line with the recommendations of the Financial Stability Board, a fundamental review of important <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest rates benchmarks has been undertaken. Some interest benchmarks have been reformed, while <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">others have or will be replaced by risk-free rates (RFR) and discontinued. USD LIBOR in its current form <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ceased on 30 June 2023, whereas the cessation of GBP, CHF, JPY, and EUR LIBOR rates occurred on 31 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">December 2021. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 402.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To support these changes, the financial sector has issued several guidance papers and other initiatives to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">help phase the transition. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 441.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To facilitate the transition away from USD LIBOR, for new USD contracts, ING started using the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">recommended alternative rates based on SOFR in 2022. Also, during 2022 and 2023, ING sought to ensure <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that existing loan and derivative contracts were either transitioned to alternative rates or transition <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 477.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">arrangements agreed, such as taking steps to ensure a large portion of the derivative portfolio was covered <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 489.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by ISDA fallbacks. Despite extensive and timely communication on the desirability of fully agreeing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 501.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">transition arrangements before 30 June 2023, some clients have agreed to complete the required work <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 513.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">before the first interest reset date after cessation. A limited number of clients in restructuring or those <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 525.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">subject to sanctions need to rely on existing fallback language or synthetic LIBOR. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 549.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Due to the discontinuation of this important rate, ING, its customers, and the financial services industry have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">faced and continue to face a number of risks. These risks include legal, financial, operational, reputational <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and conduct risk. Legal risks are related to any required changes to existing transactions. Financial risks may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">arise due to declining liquidity and may impact a contract directly or the ability to hedge the risks in that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contract. Operational risks arise due to the requirement to adapt IT systems, trade reporting infrastructure <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and operational processes. Conduct risk also plays a role, as renegotiation of loan contracts requires active <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">engagement from all parties to a contract and may lead to negotiations concentrated in a period close to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">actual cessation. ING continues to work with the very limited number of clients that are yet to complete the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">USD LIBOR transition. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The progress of the IBOR transitioning between 2018 and 2023 was tracked in the global ING IBOR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">programme, governed by business line steering committees, which reported to a central IBOR steering <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">committee. The programme coordinated the actions necessary to manage the required changes to internal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">processes and systems, including pricing, risk management, legal documentation, hedge arrangements, as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">well as the impact on customers. The limited amount of remaining USD LIBOR contracts continues to be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">monitored within the commercial business lines following the closure of the bank-wide IBOR programme in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">November 2023. The ING Benchmark Committee continues to monitor market developments and reform <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">plans for other rates, to anticipate the impact on any related risks. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">One such development concerns the plans published by the Polish National Working Group, which advises <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the market to be ready for a cessation of WIBOR and WIBID reference rates at the end of 2027 (originally <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expected in 2025, but in the last quarter of 2023 the cessation date was postponed to the end of 2027) with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the offering of financial products using the new benchmark (Warsaw Interest Rate Overnight or WIRON) to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">progress gradually and no new products using WIBOR and WIBID beyond 1 July 2024. The WIBOR rates are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">used in several of our lending and derivative products, and hence a project team has been established to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">manage the transition. WIBOR transition is especially important for our Polish subsidiary ING Bank Slaski S.A. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with a significant amount of Polish zloty-denominated assets and liabilities including derivatives that are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">continuously rebalanced to hedge the risk exposures.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 409.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The tables below summarise the approximate gross exposures of ING that have yet to transition related to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 421.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">USD LIBOR and WIBOR. For WIBOR, as of 31 December 2023, they exclude exposures expiring before the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 433.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transition date 31 December 2027 and of 31 December 2022 they exclude exposures expiring before the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 445.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">previously expected transition date 1 January 2025. Therefore, WIBOR exposures are not directly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 457.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">comparable between 31 December 2023 and 31 December 2022 as a consequence of the recent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">developments in the Polish National Working Group. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">198<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-46" continuedAt="f-117-47"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:NonDerivativeFinancialInstrumentsToTransitionToAlternativeBenchmarksTableTextBlock" id="f-3031" continuedAt="f-3031-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 201.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 94.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 94.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 94.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Non derivative Financial instruments to transition to alternative benchmarks (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 27pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 0pt; position: var(--position); top: 14.25pt; width: 201.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.56pt; width: 201.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million at 31 December 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 201.75pt; position: var(--position); top: 14.25pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 5.7pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.94pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Assets non-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 16.5pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 52.55pt; position: var(--position); text-decoration: none; white-space: pre;">derivative<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 296.25pt; overflow: hidden; position: var(--position); top: 14.25pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.16pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.13pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Liabilities&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.96pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.6pt; position: var(--position); text-decoration: none; white-space: pre;">non-derivative<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 390.75pt; position: var(--position); top: 14.25pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.16pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.22pt; position: var(--position); text-decoration: none; white-space: pre;">Off balance sheet <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.96pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.79pt; position: var(--position); text-decoration: none; white-space: pre;">commitments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 201.75pt; position: var(--position); top: 41.25pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.85pt; position: var(--position); text-decoration: none; white-space: pre;">Carrying value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 296.25pt; position: var(--position); top: 41.25pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.85pt; position: var(--position); text-decoration: none; white-space: pre;">Carrying value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 41.25pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.94pt; position: var(--position); text-decoration: none; white-space: pre;">Nominal value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 201.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 201.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">By benchmark rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 201.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 201.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">USD LIBOR<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 201.75pt; position: var(--position); top: 69.75pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.74pt;"></span></span><span style="left: 73.36999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2426" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-3032">915</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.95pt;"></span></span><span style="left: 91.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 296.25pt; position: var(--position); top: 69.75pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75.8pt;"></span></span><span style="left: 78.42999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2426" decimals="-6" name="ifrs-full:FinancialLiabilities" scale="6" id="f-3033">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.95pt;"></span></span><span style="left: 91.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 69.75pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.86pt;"></span></span><span style="left: 83.49pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2426" decimals="-6" name="ing:OffBalanceSheetCommitmentsNominalAmount" scale="6" id="f-3034">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.95pt;"></span></span><span style="left: 91.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 201.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 201.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">WIBOR<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 201.75pt; position: var(--position); top: 84pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.46pt;"></span></span><span style="left: 61.09pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2427" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3035">18,064</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.95pt;"></span></span><span style="left: 91.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-2427" xsi:nil="true" name="ifrs-full:FinancialLiabilities" id="f-3036"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 84pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.52pt;"></span></span><span style="left: 66.15pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2427" decimals="-6" name="ing:OffBalanceSheetCommitmentsNominalAmount" format="ixt:num-dot-decimal" scale="6" id="f-3037">1,021</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.95pt;"></span></span><span style="left: 91.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 201.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 201.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 201.75pt; position: var(--position); top: 98.25pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.56pt;"></span></span><span style="left: 60.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2428" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3038">18,979</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span><span style="left: 91.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 296.25pt; position: var(--position); top: 98.25pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 75.44pt;"></span></span><span style="left: 78.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2428" decimals="-6" name="ifrs-full:FinancialLiabilities" scale="6" id="f-3039">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span><span style="left: 91.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 98.25pt; width: 94.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 94.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.8pt;"></span></span><span style="left: 65.42999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2428" decimals="-6" name="ing:OffBalanceSheetCommitmentsNominalAmount" format="ixt:num-dot-decimal" scale="6" id="f-3040">1,030</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span><span style="left: 91.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-3031-1"><div style="position: var(--position); top: 197.41pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 483.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 202.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 93.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 93.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 93.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 483.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Non derivative Financial instruments to transition to alternative benchmarks (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 27pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 0pt; position: var(--position); top: 14.25pt; width: 202.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.56pt; width: 202.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million at 31 December 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 202.5pt; position: var(--position); top: 14.25pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 5.7pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.19pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Assets non-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 16.5pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 51.8pt; position: var(--position); text-decoration: none; white-space: pre;">derivative<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 296.25pt; overflow: hidden; position: var(--position); top: 14.25pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.16pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.38pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Liabilities&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.96pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.85pt; position: var(--position); text-decoration: none; white-space: pre;">non-derivative<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 390pt; position: var(--position); top: 14.25pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.16pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.47pt; position: var(--position); text-decoration: none; white-space: pre;">Off balance sheet <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.96pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.04pt; position: var(--position); text-decoration: none; white-space: pre;">commitments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 41.25pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.1pt; position: var(--position); text-decoration: none; white-space: pre;">Carrying value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 296.25pt; position: var(--position); top: 41.25pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.1pt; position: var(--position); text-decoration: none; white-space: pre;">Carrying value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390pt; position: var(--position); top: 41.25pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.19pt; position: var(--position); text-decoration: none; white-space: pre;">Nominal value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 202.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 202.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">By benchmark rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 202.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 202.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">USD LIBOR<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 69.75pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.66pt;"></span></span><span style="left: 63.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2429" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3041">30,040</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 296.25pt; position: var(--position); top: 69.75pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.72pt;"></span></span><span style="left: 68.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2429" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3042">1,637</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390pt; position: var(--position); top: 69.75pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.72pt;"></span></span><span style="left: 68.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2429" decimals="-6" name="ing:OffBalanceSheetCommitmentsNominalAmount" format="ixt:num-dot-decimal" scale="6" id="f-3043">7,644</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 202.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 202.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">WIBOR<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 84pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.66pt;"></span></span><span style="left: 63.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2430" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3044">22,154</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 296.25pt; position: var(--position); top: 84pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.12pt;"></span></span><span style="left: 90.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2430" xsi:nil="true" name="ifrs-full:FinancialLiabilities" id="f-3045"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390pt; position: var(--position); top: 84pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.72pt;"></span></span><span style="left: 68.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2430" decimals="-6" name="ing:OffBalanceSheetCommitmentsNominalAmount" format="ixt:num-dot-decimal" scale="6" id="f-3046">1,411</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 202.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 202.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 202.5pt; position: var(--position); top: 98.25pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.76pt;"></span></span><span style="left: 62.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2431" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3047">52,194</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 90.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 296.25pt; position: var(--position); top: 98.25pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65pt;"></span></span><span style="left: 67.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2431" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3048">1,637</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 90.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390pt; position: var(--position); top: 98.25pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65pt;"></span></span><span style="left: 67.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2431" decimals="-6" name="ing:OffBalanceSheetCommitmentsNominalAmount" format="ixt:num-dot-decimal" scale="6" id="f-3049">9,055</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 90.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 329.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The total of non-derivative financial assets linked to USD LIBOR is reduced from <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 394.33000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;<ix:nonFraction unitRef="eur" contextRef="c-2429" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3050">30,040</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 462.95000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> on 31 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 341.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">December 2022 to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 125.33pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;<ix:nonFraction unitRef="eur" contextRef="c-2426" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3051">915</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 180.28pt; position: var(--position); text-decoration: none; white-space: pre;"> on 31 December 2023. The majority of the non-derivative financial assets <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 353.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exposure on 31 December 2023 are related to contracts using synthetic USD LIBOR up until the transition to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 365.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">SOFR is complete during 2024. In addition, ING reduced its committed undrawn credit facilities linked to USD <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 377.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">LIBOR from <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 92.38pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;<ix:nonFraction unitRef="eur" contextRef="c-2429" decimals="-6" name="ing:OffBalanceSheetCommitmentsNominalAmount" format="ixt:num-dot-decimal" scale="6" id="f-3052">7,644</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 155.37pt; position: var(--position); text-decoration: none; white-space: pre;"> on 31 December 2022 to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 271pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;<ix:nonFraction unitRef="eur" contextRef="c-2426" decimals="-6" name="ing:OffBalanceSheetCommitmentsNominalAmount" format="ixt:num-dot-decimal" scale="6" id="f-3053">9</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 314.69000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> on 31 December 2023. The total of non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 389.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">derivative financial liabilities linked to USD LIBOR is reduced from <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 329.99pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;<ix:nonFraction unitRef="eur" contextRef="c-2429" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3054">1,637</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 392.98pt; position: var(--position); text-decoration: none; white-space: pre;"> on 31 December 2022 to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 401.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;<ix:nonFraction unitRef="eur" contextRef="c-2426" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3055">16</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 89.28999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> on<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 103.3pt; position: var(--position); text-decoration: none; white-space: pre;"> 31 December 2023. The remaining non-derivative financial instruments linked to USD LIBOR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 413.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are expected to transition before the next interest rate reset date. Therefore, the remaining exposure to USD <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 425.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">LIBOR is expected to reduce further during the first half of 2024. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 452.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DerivativeFinancialInstrumentsToTransitionToAlternativeBenchmarksTableTextBlock" id="f-3056" continuedAt="f-3056-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 486pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 295.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 95.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 95.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 486pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 486pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Derivative Financial instruments to transition to alternative benchmarks (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 295.5pt; position: var(--position); top: 14.25pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 95.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.87pt; position: var(--position); text-decoration: none; white-space: pre;">31 December 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 14.25pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 95.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.87pt; position: var(--position); text-decoration: none; white-space: pre;">31 December 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 295.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 295.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 295.5pt; position: var(--position); top: 27pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.69pt; position: var(--position); text-decoration: none; white-space: pre;">Nominal value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 27pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.69pt; position: var(--position); text-decoration: none; white-space: pre;">Nominal value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 295.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 295.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">By benchmark rate<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 81.19999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 295.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 295.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">USD LIBOR<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 295.5pt; position: var(--position); top: 55.5pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.44pt;"></span></span><span style="left: 77.07pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2432" decimals="2" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-3057">151</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 92.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 55.5pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.1pt;"></span></span><span style="left: 59.730000000000004pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2433" decimals="2" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-3058">495,318</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 92.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 295.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 295.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">WIBOR<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 295.5pt; position: var(--position); top: 69.75pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.16pt;"></span></span><span style="left: 64.78999999999999pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2434" decimals="2" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-3059">77,238</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 92.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 69.75pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.1pt;"></span></span><span style="left: 59.730000000000004pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2435" decimals="2" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-3060">136,318</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 92.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 295.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 295.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 295.5pt; position: var(--position); top: 84pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.26pt;"></span></span><span style="left: 63.89pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2436" decimals="2" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-3061">77,388</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 92.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 84pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.02pt;"></span></span><span style="left: 58.650000000000006pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2437" decimals="2" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-3062">631,636</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 92.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 556.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-3056-1">1 For cross-currency swaps all legs of the swap are included that are linked to a main IBOR that is significant to ING.</ix:continuation> <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In addition to the amounts in the table above, ING transitioned the interest rate swaptions that referred to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the USD LIBOR ICE swap rate (nominal value on 31 December 2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 856.95pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;<ix:nonFraction unitRef="number" contextRef="c-2438" decimals="2" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-3063">10,810</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 925.5699999999999pt; position: var(--position); text-decoration: none; white-space: pre;">). The transition of these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contracts was in general governed by a specific ISDA protocol.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Derivative financial instruments linked to USD LIBOR were reduced from <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 876.81pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;<ix:nonFraction unitRef="number" contextRef="c-2433" decimals="2" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-3064">495,318</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 951.06pt; position: var(--position); text-decoration: none; white-space: pre;"> on 31 December <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022 to only <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 613.9399999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;<ix:nonFraction unitRef="number" contextRef="c-2432" decimals="2" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-3065">151</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 668.89pt; position: var(--position); text-decoration: none; white-space: pre;"> on 31 December 2023. The majority of derivatives linked to USD LIBOR rates were <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transacted with clearing houses and transitioned through a standardised exercise during the second quarter <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of 2023. For non-centrally cleared derivatives, the main transition occurred using the ISDA IBOR fallback <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">arrangements. The majority of the remaining derivative financial instruments linked to USD LIBOR are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">related to contracts using synthetic USD LIBOR and linked to non-derivative financial assets that are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expected to transition before the next interest rate reset date during 2024.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 888.91pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 891.6800000000001pt; position: var(--position); text-decoration: none; white-space: pre;">Therefore, a steady reduction of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">these last few USD LIBOR contracts is expected during the first half of 2024.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Given that IBOR reform may have various accounting implications, the International Accounting Standards <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Board (IASB) has undertaken a two-phase project:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226; Phase 1 addresses those issues that affect financial reporting before the replacement of an existing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">benchmark. This allows ING to apply a set of temporary exceptions to continue hedge accounting even <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">when there is uncertainty about contractual cash flows arising from the reform. Under these temporary <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">exceptions, interbank offered rates are assumed to continue unaltered for the purposes of hedge <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">accounting until such time as the uncertainty is resolved.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226; Phase 2 focuses on issues that may affect financial reporting when the existing benchmark rate is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reformed or replaced. Phase 2 amendments to IFRS relate mainly to accounting for changes in the basis for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">determining the contractual cash flows of financial assets and liabilities due to the IBOR reform and impact <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on hedge accounting when an existing benchmark rate is reformed or replaced with an alternative risk-free <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rate.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Specifically, Phase 2 amendments require that the effective interest rate on debt financial instruments is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adjusted, and hedge accounting continues on transition to risk free rates, but only to the extent that the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 439.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">modifications made to financial instruments are those necessary to implement the IBOR reform and that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the new basis for calculating cash flows is &#8216;economically equivalent&#8217; to the previous basis. By applying these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mandatory amendments, ING Group avoids recognising modification gains and losses on debt instruments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 475.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that would otherwise be required in the absence of Phase 2 amendments (changes to debt instruments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 487.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">resulting from IBOR reform are treated as a reset to the instrument&#8217;s variable interest rate). In addition, ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 499.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Group avoids hedge accounting discontinuations when modifying both hedged items and hedging <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 511.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">instruments (and related hedge documentation) as a consequence of IBOR reform that would otherwise be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 523.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">required in the absence of Phase 2 amendments.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">199<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-47" continuedAt="f-117-48"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As explained above, Phase 1 and Phase 2 IBOR amendments to IFRS, amongst other changes, provide <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">specific hedge accounting reliefs that allow hedge accounting relationships to continue when IBOR Reform is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ongoing. Phase 1 reliefs cease to apply when uncertainty arising from IBOR reform is no longer present with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">respect to the timing and amount of the IBOR-based cash flows of the relevant instruments. It is ING Group&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">policy to cease to apply Phase 1 reliefs when the applicable contract (either hedging instrument or hedged <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">item) is actually modified. As a result, for these hedge accounting relationships the applicable Phase 1 reliefs <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ceased to apply and Phase 2 became applicable. Refer to section 1.5.4 of Note 1 &#8216;Basis of preparation and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">material accounting policy information&#8217; for more information on the Phase 1 and Phase 2 amendments.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, hedging relationships are being amended to incorporate the new benchmark rates. During <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023, ING focused on USD LIBOR contracts and all hedging relationships have been amended to incorporate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the new benchmark rates and do no longer reference USD LIBOR rates. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On 31 December 2023, Phase 1 reliefs are applicable to WIBOR indexed fair value and cash flow hedge <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">accounting relationships as there is uncertainty arising from the WIBOR reform with respect to the timing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and the amount of the underlying cash flows that the Group is exposed to. Therefore, for WIBOR financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">instruments designated in hedge accounting the applicable Phase 1 reliefs will continue to apply until the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">relevant contract is modified. At that point in time, Phase 2 reliefs will become applicable. For these affected <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fair value and cash flow hedge relationships ING assumes that the WIBOR based cash flows from the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hedging instrument and hedged item will remain unaffected. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The same assumption is used to assess the likelihood of occurrence of the forecast transactions that are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">subject to cash flow hedges. The hedged cash flows in cash flow hedges directly impacted by the WIBOR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reform still meet the highly probable requirement, assuming the WIBOR benchmark on which the hedged <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">cash flows are based is not altered as a result of the reform.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The total gross notional amounts of hedging instruments that are used in the ING's hedge accounting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 400.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">relationships for which the Phase 1 amendments to IAS39 were applied are: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 427.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory" id="f-3066" continuedAt="f-3066-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 483.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 290.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 96.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 96.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 483.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Notional amounts of Hedging instruments (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 290.25pt; position: var(--position); top: 14.25pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 96.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.37pt; position: var(--position); text-decoration: none; white-space: pre;">31 December 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 14.25pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 96.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.37pt; position: var(--position); text-decoration: none; white-space: pre;">31 December 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 290.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 290.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 27pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.19pt; position: var(--position); text-decoration: none; white-space: pre;">Nominal value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 27pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.19pt; position: var(--position); text-decoration: none; white-space: pre;">Nominal value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 290.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 290.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">By benchmark rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 290.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 290.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">USD LIBOR<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 55.5pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 91.12pt;"></span></span><span style="left: 93.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div><ix:nonFraction unitRef="number" contextRef="c-2439" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-3067"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 55.5pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.66pt;"></span></span><span style="left: 66.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2440" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-3068">28,316</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 290.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 290.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">WIBOR<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 69.75pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.66pt;"></span></span><span style="left: 66.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2441" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-3069">89,338</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 93.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 69.75pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.66pt;"></span></span><span style="left: 66.28999999999999pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2442" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-3070">57,774</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 93.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As at 31 December 2023, all USD LIBOR hedging relationships have been amended to incorporate the new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">benchmark rates and do no longer reference USD LIBOR rates. At 31 December 2022 approximately <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 486.90999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2443" decimals="2" name="ing:PercentageOfNotionalAmountsOfHedgingInstruments" scale="-2" id="f-3071">89</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 506.78pt; position: var(--position); text-decoration: none; white-space: pre;"> of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the notional amounts for USD LIBOR had a maturity date beyond the transition date 30 June 2023. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Approximately <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 623.56pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2444" decimals="2" name="ing:PercentageOfNotionalAmountsOfHedgingInstruments" scale="-2" id="f-3072">29</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 643.43pt; position: var(--position); text-decoration: none; white-space: pre;"> of the notional amounts for WIBOR have a maturity date beyond the new transition <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">date 31 December 2027. At 31 December 2022, approximately <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 837.77pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2445" decimals="2" name="ing:PercentageOfNotionalAmountsOfHedgingInstruments" scale="-2" id="f-3073">71</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 857.64pt; position: var(--position); text-decoration: none; white-space: pre;"> of the notional amounts for WIBOR had <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a maturity date beyond the previously expected transition date of 1 January 2025. The WIBOR amounts are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">not directly comparable between 31 December 2023 and 31 December 2022 as a consequence of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">recent postponement of the cessation of WIBOR by the Polish National Working Group.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The notional amounts of the derivative hedging instruments provide a close approximation of the extent of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the risk exposure ING manages through these hedging relationships. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 192.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Credit spread risk in banking books (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Credit spread risk is defined as risk driven by the changes of the market price for credit risk, for liquidity and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">potentially other characteristics of credit-risky instruments, which is not captured by another existing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">prudential framework such as IRRBB or by expected credit/(jump-to-) default risk.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 264.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EBA guidelines<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The updated guidelines on credit spread risk in the banking book (CSRBB) became effective on 31 December <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 294.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2023. Following the EBA guidelines, the scope in terms of positions and metrics has been reviewed and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 306.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">updated during 2023. Metrics used are NPV-at-Risk, NII-at-Risk and Market Value Changes-at Risk and view <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 318.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the positions across different accounting treatments.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 347.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Governance<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 366.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The management of credit spread risk follows the CSRBB framework as approved by ALCO Bank. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 378.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">framework describes roles, responsibilities, risk metrics, and the policies and procedures related to credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">spread risk management. Furthermore, ALCO Bank reviews and sets the risk appetite for credit spread risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 402.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on an annual basis. The risk appetite is translated into limits for the risk metrics.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 431.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Foreign exchange (FX) risk in banking books (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 449.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">FX exposures in banking books result from core banking business activities (business units doing business in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 461.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">currencies other than their base currency), foreign currency investments in subsidiaries (including realised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 473.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">net profit and loss), and strategic equity stakes in foreign currencies. The policy regarding these exposures is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 485.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">briefly explained below.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">200<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-117-48" continuedAt="f-117-49"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Governance &#8211; Core banking business (*) <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Every business unit hedges the FX risk resulting from core banking business activities into its base currency <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to prevent volatility in profit and loss. Consequently, assets and liabilities are matched in terms of currency, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">within certain friction limits. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 136.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Governance &#8211; FX translation result (*) <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s strategy is to protect the CET1 ratio against adverse impact from FX rate fluctuations, while limiting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the volatility in the profit and loss account due to this CET1 hedging and limiting the RWA impact under the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory framework. Hedge accounting is applied to the largest extent possible. Taking this into account, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the CET1 ratio hedge can be achieved by deliberately taking foreign currency positions equal to certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">target positions, such that the CET1 capital and risk-weighted assets are equally sensitive in relative terms <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to changing FX rates. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 243.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk profile &#8211; FX translation result (*) <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The following table presents the currency exposures in the banking books for the most important currencies <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for the FX translation result. Positive figures indicate long positions in the respective currency. As a result of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the strategy to hedge the CET1 ratio an open structural FX exposure exists.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To measure the volatility of the CET1 ratio from FX rate fluctuations, different metrics are used including the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">CET1 Ratio-at-Risk. The impact is controlled via the Solvency and Market Risk Banking Book RAS.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 354.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">EBA Structural FX guidelines<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In line with the EBA guidelines on Structural FX, upon permission from the competent authorities, certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 384.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">currency positions are being excluded from the calculation of net open currency positions under CRR article <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 396.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">352(2). The resulting impact is presented in the Pillar 3 disclosure.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:NetBankingCurrencyExposuresBankingBooksExplanatoryTableTextBlock" id="f-3074" continuedAt="f-3074-1" escape="true"><ix:continuation id="f-117-49" continuedAt="f-117-50"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 120pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Foreign currency exposures banking books (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 14.25pt; width: 121.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 121.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37pt; position: var(--position); text-decoration: none; white-space: pre;">Foreign Investments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 14.25pt; width: 121.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 121.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 88.92pt; position: var(--position); text-decoration: none; white-space: pre;">Hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 14.25pt; width: 121.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 121.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 61.49pt; position: var(--position); text-decoration: none; white-space: pre;">Net exposures<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 28.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 180.75pt; position: var(--position); top: 28.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 28.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 28.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 28.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 28.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">US Dollar<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 42.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.66pt;"></span></span><span style="left: 30.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2446" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3075">10,337</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 180.75pt; position: var(--position); top: 42.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.66pt;"></span></span><span style="left: 30.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2447" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3076">10,470</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 42.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.37pt;"></span></span><span style="left: 32pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2448" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3077">3,416</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 42.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.37pt;"></span></span><span style="left: 32pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2449" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3078">2,376</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 42.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2450" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3079">6,921</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 42.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2451" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3080">8,093</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Pound Sterling<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 57pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2452" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3081">1,659</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 180.75pt; position: var(--position); top: 57pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2453" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3082">1,364</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 57pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.59pt;"></span></span><span style="left: 39.220000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2454" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3083">156</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 57pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.65pt;"></span></span><span style="left: 44.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2455" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3084">58</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 57pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2456" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3085">1,503</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 57pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2457" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3086">1,306</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Polish Zloty<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 71.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2458" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3087">3,976</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 180.75pt; position: var(--position); top: 71.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2459" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3088">2,714</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 71.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.37pt;"></span></span><span style="left: 32pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2460" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3089">1,254</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 71.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.59pt;"></span></span><span style="left: 39.220000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2461" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3090">321</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 71.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2462" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3091">2,722</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 71.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2463" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3092">2,393</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Australian Dollar<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 85.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2464" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3093">3,620</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 180.75pt; position: var(--position); top: 85.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2465" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3094">3,781</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 85.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.37pt;"></span></span><span style="left: 32pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2466" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3095">2,273</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 85.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.37pt;"></span></span><span style="left: 32pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2467" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3096">2,673</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 85.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2468" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3097">1,346</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 85.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2469" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3098">1,108</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Turkish Lira<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 99.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2470" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3099">517</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 180.75pt; position: var(--position); top: 99.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2471" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3100">750</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 99.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.06pt;"></span></span><span style="left: 52.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2472" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3101">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 99.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.06pt;"></span></span><span style="left: 52.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2473" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3102">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 99.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2474" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3103">517</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 99.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2475" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3104">750</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Chinese Yuan<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 114pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2476" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3105">1,815</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 180.75pt; position: var(--position); top: 114pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2477" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3106">1,871</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 114pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.59pt;"></span></span><span style="left: 39.220000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2478" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3107">348</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 114pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.06pt;"></span></span><span style="left: 52.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2479" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3108">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 114pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2480" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3109">1,466</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 114pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2481" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3110">1,871</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 128.25pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Russian Rouble<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 128.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2482" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3111">375</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 180.75pt; position: var(--position); top: 128.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2483" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3112">391</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 128.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.06pt;"></span></span><span style="left: 52.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2484" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3113">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 128.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.06pt;"></span></span><span style="left: 52.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2485" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3114">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 128.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2486" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3115">375</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 128.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2487" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3116">392</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 142.5pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Romanian Leu<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 142.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2488" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3117">895</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 180.75pt; position: var(--position); top: 142.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2489" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3118">860</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 142.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.59pt;"></span></span><span style="left: 39.220000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2490" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3119">134</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 142.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.59pt;"></span></span><span style="left: 39.220000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2491" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3120">154</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 142.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2492" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3121">761</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 142.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2493" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3122">706</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 156.75pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Thai Baht<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 156.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2494" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3123">1,128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 180.75pt; position: var(--position); top: 156.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2495" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3124">1,109</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 156.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.59pt;"></span></span><span style="left: 39.220000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2496" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3125">697</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 156.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.59pt;"></span></span><span style="left: 39.220000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2497" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3126">699</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 156.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2498" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3127">431</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 156.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2499" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3128">410</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 171pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other currency<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 171pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2500" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3129">3,704</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 180.75pt; position: var(--position); top: 171pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2501" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3130">3,771</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 171pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.37pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2502" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3131">2,897</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 171pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.37pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2503" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3132">2,908</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 171pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 42.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2504" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3133">806</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 171pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 42.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2505" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" scale="6" id="f-3134">863</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 185.25pt; width: 120pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120pt; position: var(--position); top: 185.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 29.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2506" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3135">28,024</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 180.75pt; position: var(--position); top: 185.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 29.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2507" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3136">27,081</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 185.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 26.28pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2508" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3137">11,175</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 185.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 31.52pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2509" decimals="-6" sign="-" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3138">9,189</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 185.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 29.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3139">16,849</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 185.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 29.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:IncreaseDecreaseInNetDebtThroughForeignCurrencyExchangeExposures" format="ixt:num-dot-decimal" scale="6" id="f-3140">17,892</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-117-50" continuedAt="f-117-51"><ix:continuation id="f-3074-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 284.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">*The FX sensitivity is expressed as the FX spot equivalent position.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 311.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Equity price risk in banking books (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 342.41pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Governance (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 360.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING maintains a portfolio with substantial equity exposure in its banking books. Local offices are responsible <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for the management of the equity investment positions. Financial Risk is responsible for monitoring the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 384.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory capital for equity investments on a monthly basis and acts independently from ING/local <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 396.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management when monitoring these positions.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 768.24pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 425.81pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risk profile (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Equity price risk arises from the possibility that an equity security&#8217;s price will fluctuate, affecting the values <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of the equity security itself as well as other instruments whose values react similarly to the particular <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">security, a defined basket of securities, or a securities index. ING&#8217;s equity exposure mainly consists of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">investments in associates and joint ventures of<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 764.9pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 773.03pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-3141">1,509</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 797.96pt; position: var(--position); text-decoration: none; white-space: pre;"> million (2022: &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 869.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-3142">1,500</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 894.06pt; position: var(--position); text-decoration: none; white-space: pre;"> million) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 932.17pt; position: var(--position); text-decoration: none; white-space: pre;">and equity securities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">held at fair value through other comprehensive income (FVOCI) of<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 848.0999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 856.23pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2510" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-3143">1,885</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 881.16pt; position: var(--position); text-decoration: none; white-space: pre;"> million (2022: &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 952.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2511" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-3144">1,887</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 977.26pt; position: var(--position); text-decoration: none; white-space: pre;"> million).<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1015.28pt; position: var(--position); text-decoration: none; white-space: pre;">The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">value of equity securities held at FVOCI is directly linked to equity security prices with increases/decreases <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">being recognised in the revaluation reserve. Investments in associates and joint ventures are measured in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">accordance with the equity method of accounting and the balance sheet value is therefore not directly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">linked to equity security prices. The equity sensitivity is expressed as the equity position.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">201<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-51" continuedAt="f-117-52"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Year-on-year variance analysis (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, the revaluation reserve equity securities decreased by<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 320.05999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 328.19000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2512" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-3145">34</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 339.45000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> million from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 396.05999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 398.55999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 404.19000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2513" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3146">1,187</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 429.12pt; position: var(--position); text-decoration: none; white-space: pre;"> million to<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 473.37pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 481.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2514" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-3147">1,152</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 506.42999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million mainly due to revaluation of the shares in Bank of Beijing with<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 349.09000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 357.22pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2515" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-3148">24</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 372.21000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> million. In 2023, the equity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">securities at fair value through OCI decreased slightly by <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 293.89pt; position: var(--position); text-decoration: none; white-space: pre;">&#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 299.52pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2516" decimals="-6" name="ifrs-full:IncreaseDecreaseInFinancialAssets" scale="6" id="f-3149">2</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 305.15pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 307.65pt; position: var(--position); text-decoration: none; white-space: pre;">million. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 161.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFairValueMeasurementOfEquityExplanatory" id="f-3150" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 394.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Revaluation reserve equity securities at fair value through other comprehensive income (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 394.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Positive re-measurement<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2517" decimals="-6" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3151">1,158</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2518" decimals="-6" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3152">1,190</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Negative re-measurement<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2519" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-3153">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2520" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-3154">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2510" decimals="-6" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3155">1,152</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2511" decimals="-6" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3156">1,187</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 254.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Market risk in trading books (*)<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Within the trading portfolios, the positions are maintained in the financial markets. These positions are often <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a result of transactions with clients and may benefit from short-term price movements. In 2023, ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">continued its strategy of undertaking trading activities to develop its client-driven franchise and deliver a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 312.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">differentiating experience by offering multiple market and trading products.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 341.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Governance (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 360.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Financial Markets Risk Committee (FMRC) is the market risk committee that, within the risk appetite set <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by the ALCO Bank, sets the market risk limits both on an aggregated level and on a desk level. The FMRC has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 384.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">delegated authority from ALCO Bank for the management of market risk related to all trading and banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 396.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">book activities within Financial Markets (FM). Financial Risk/ Trading Risk Management (FR/ TRM) advises both <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 408.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">FMRC and ALCO Bank on the market risk appetite of the trading activities. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">With respect to the trading portfolios, TRM focuses on the management of market risks of Wholesale <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Banking (mainly Financial Markets) as this is the only business line within ING where trading activities take <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">place. Trading activities include facilitation of client business and market making. TRM is responsible for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">development and implementation of trading risk policies and risk measurement methodologies, and for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reporting and monitoring risk exposures against approved trading limits. TRM also reviews trading mandates <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and global limits, and performs the gatekeeper role in the product review process (PARP). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 524.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk measurement (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 542.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING uses a comprehensive set of methodologies and techniques to measure market risk in trading books: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 554.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Value at Risk (VaR) and Stressed Value at Risk (SVaR), Incremental Risk Charge (IRC), and stress testing. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Systematic validation processes are in place to validate the accuracy and internal consistency of data and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">parameters used for the internal models and modelling processes.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Value at Risk (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">TRM uses the historical simulation VaR methodology (HVaR) as its primary risk measure. The HVaR for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">market risk quantifies, with a one-sided confidence level of 99 percent, the maximum overnight loss that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">could occur in the trading portfolio of ING due to changes in risk factors (e.g. interest rates, equity prices, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">foreign exchange rates, credit spreads, implied volatilities) considering the positions remains unchanged for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a time period of one day. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Next to general market movements in these risk factors, HVaR also takes into account market data <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">movements for specific moves in, for example, the underlying issuer or securities. A single model which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">diversifies general and specific risk is used. In general, a full revaluation approach is applied, while for a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">limited number of linear trading positions and risk factors in commodity and equity risk classes a sensitivity-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">based approach is applied. The potential impact of historical market movements on today&#8217;s portfolio is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">estimated, based on equally weighted observed market movements of the previous year (260 business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">days). When simulating potential movements in risk factors, depending on the risk factor type, either an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 283.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">absolute or a relative shift is used. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The data used in the computations is updated daily. ING uses HVaR with a one-day horizon for internal risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">measurement, management control, and backtesting, and HVaR with a 10-day horizon for determining <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory capital. To compute HVaR with a 10-day horizon, the one-day risk factor shifts are scaled by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">square root of 10 and then used as an input for the revaluation. The same model is used for all legal entities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">within ING with market risk exposure in the trading portfolio.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 387.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Limitations (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">HVaR has some limitations: HVaR uses historical data to forecast future price behaviour, but future price <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 417.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">behaviour could differ substantially from past behaviour. Moreover, the use of a one-day holding period (or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 429.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">10 days for regulatory capital calculations) assumes that all positions in the portfolio can be liquidated or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 441.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hedged in one day. In periods of illiquidity or market events, this assumption may not hold. Also, the use of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a 99 percent confidence level means that HVaR does not take into account any losses that occur beyond <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">this confidence level.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 494.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Backtesting (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 513.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Backtesting is a technique for the ongoing monitoring of the plausibility of the HVaR model in use. Although <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 525.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">HVaR models estimate potential future trading results, estimates are based on historical market data. In a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 537.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">backtest, the actual daily trading result (excluding fees and commissions) is compared with the one-day <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 549.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">HVaR. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">202<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-117-52" continuedAt="f-117-53"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition to using actual results for backtesting, ING also uses hypothetical results, which exclude the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">effects of intraday trading, fees, and commissions. When an actual or a hypothetical loss exceeds the HVaR, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">an &#8216;outlier&#8217; occurs. Based on ING&#8217;s one-sided confidence level of 99 percent, an outlier is expected once in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">every 100 business days.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On an overall level in 2023, there was one outlier for hypothetical P&amp;L and zero outliers for actual P&amp;L. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hypothetical outliers occurred during the past year concentrated in the first quarter of 2023, mainly due to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the increased market volatility arising from major American banks being collapsed.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 180.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Stressed HVaR (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The stressed HVaR (SVaR) is intended to replicate the HVaR calculation that would be generated on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">bank&#8217;s current portfolio with inputs calibrated to the historical data from a continuous 12-month period of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">significant financial stress relevant to the bank&#8217;s portfolio. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To calculate SVaR, ING uses the same model that is used for 1DHVaR, with a 10-day horizon. The data for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the historical stress period used currently includes the height of the credit crisis around the fall of Lehman <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Brothers (2008-2009), and this choice is reviewed regularly. The historical data period is chosen so that it <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">gives the worst scenario loss estimates for the current portfolio. The same SVaR model is used for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management purposes and for regulatory purposes. The same SVaR model is used for all legal entities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">within ING with market risk exposure in the trading portfolio. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 339.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Incremental risk charge (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 357.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The incremental risk charge (IRC) for ING is an estimate of the default and migration risks for credit products <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 369.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(excluding securitisations) in the trading book, over a one-year capital horizon, with a 99.9% confidence <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 381.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">level. Trading positions (excluding securitisations) of ING, which are subject to specific interest rate risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 393.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">included in the internal model approach for market risk regulatory capital, are in scope of the IRC model. By <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">model choice, equity is excluded from the model. For the calculation of IRC, ING performs a Monte Carlo <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 417.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">simulation based on a multi-factor t-copula. In the multi-factor IRC model the supervisory asset correlations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 429.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are no longer applicable and the calibration of the correlations is based on historical market data. The rating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 441.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">change is simulated for all issuers over the different liquidity horizons (i.e. time required to liquidate the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">position or hedge all significant risks) within one year. Movements across different rating categories and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">probabilities of default are governed by a credit-rating transition matrix. An internal transition matrix along <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 477.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with internal LGDs is used, to comply with the consistency requirement. The financial impact is then <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 489.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">determined for the simulated migration to default, or for the simulated migration to a different rating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 501.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">category, based on LGD or credit spread changes, respectively. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The liquidity horizon has been set to the regulatory minimum of three months for all positions in scope. ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reviews the liquidity horizons on a yearly basis, based on a structured assessment of the time it takes to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 552.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">liquidate the positions in the trading portfolio. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Stress testing and event risk (*)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Stress testing is a valuable risk management tool. In addition to the bank-wide stress test framework as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">described in the stress-testing section, Trading Risk Management performs stress tests specific to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">trading book with various frequencies. ING went live with a new Trading Book Stress Testing model in 2023, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">replacing the previously used Event Risk model. With the new model, the trading book stress tests evaluate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the impact on the bank&#8217;s trading book under severe but plausible stress scenarios, using full revaluation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 143.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">approach. The framework is based on historical as well as hypothetical scenarios. The stress result is an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 155.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">estimate of the profit and loss caused by a potential event and its worldwide impact for ING. The results of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the stress tests are used for decision-making aimed at maintaining a financially healthy going-concern <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 179.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">institution after a severe event occurs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 206.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In stress scenarios, shocks are applied to prices (credit spreads, interest rates, equity, commodities, and FX <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rates) and volatilities. Depending on the type of the stress test, additional scenario assumptions can be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 230.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">made, for example on correlations, dividends, or recovery rates. The structural scenarios are defined to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 242.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cover market moves in various directions and capture different asset class correlations. Scenarios are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 254.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">calculated using full revaluation approach. The worst scenarios are determined for each product line, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 11pt; position: var(--position); top: 266.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business line and super business line, and compared against limits<span style="display: inline-block; height: 8pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 11pt; font-style: normal; font-weight: normal; left: 850.99pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 8pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 296.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other trading controls<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 314.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">HVaR and event risk limits are the most important limits to control the trading portfolios. Additionally, limits <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 326.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">have been set on SVaR and IRC, and ING uses a variety of other controls to supplement these limits. Position <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 338.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and sensitivity limits are used to prevent large concentrations in specific issuers, sectors, or countries. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 350.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Moreover, other risk limits are set with respect to the activities in complex derivatives trading. The market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk of these products is controlled by product-specific limits and constraints. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 391.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risk profile<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 410.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following chart shows the development of the overnight HVaR under a 99 percent confidence level and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 422.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a one-day horizon versus actual and hypothetical daily trading profits and losses. In calculation of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 434.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hypothetical daily profit and loss, the trading position is kept constant and only the market movement is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 446.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">taken into account. The overnight HVaR is presented for the ING trading portfolio for 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">203<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g18.jpg" alt="image.jpg" style="height: 190.02pt; width: 485.01pt;"/></div></div></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.93pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The risk figures in the above backtesting graph and in the table below relate to all trading books for which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.93pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the internal model approach is applied, i.e. all trading books, including credit exposure management books.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 313.93pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 479.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 125.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 479.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 479.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">1d VaR for Internal Model Approach trading portfolios<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 14.25pt; width: 88.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 88.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 47.76pt; position: var(--position); text-decoration: none; white-space: pre;">Minimum<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 213.75pt; position: var(--position); top: 14.25pt; width: 88.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 88.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 45.61pt; position: var(--position); text-decoration: none; white-space: pre;">Maximum<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 302.25pt; position: var(--position); top: 14.25pt; width: 88.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 88.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 52.55pt; position: var(--position); text-decoration: none; white-space: pre;">Average<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 14.25pt; width: 88.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 88.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 50.4pt; position: var(--position); text-decoration: none; white-space: pre;">Year end<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 125.25pt; position: var(--position); top: 27pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 169.5pt; position: var(--position); top: 27pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 213.75pt; position: var(--position); top: 27pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 258pt; position: var(--position); top: 27pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 27pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 346.5pt; position: var(--position); top: 27pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 27pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435pt; position: var(--position); top: 27pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest rate <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 54.660000000000004pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 125.25pt; position: var(--position); top: 41.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">6<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 169.5pt; position: var(--position); top: 41.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 213.75pt; position: var(--position); top: 41.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);">23<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 258pt; position: var(--position); top: 41.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);">17<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 41.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);">15<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 346.5pt; position: var(--position); top: 41.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">9<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 41.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">8<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435pt; position: var(--position); top: 41.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);">13<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equity and commodity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 125.25pt; position: var(--position); top: 55.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">2<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 169.5pt; position: var(--position); top: 55.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">2<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 213.75pt; position: var(--position); top: 55.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 258pt; position: var(--position); top: 55.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">7<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 55.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">3<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 346.5pt; position: var(--position); top: 55.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">3<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 55.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">2<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435pt; position: var(--position); top: 55.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">2<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Foreign exchange<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 125.25pt; position: var(--position); top: 69.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 169.5pt; position: var(--position); top: 69.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 213.75pt; position: var(--position); top: 69.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">8<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 258pt; position: var(--position); top: 69.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);">22<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 69.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">3<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 346.5pt; position: var(--position); top: 69.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 69.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">2<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435pt; position: var(--position); top: 69.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">3<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit spread<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 125.25pt; position: var(--position); top: 84pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">2<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 169.5pt; position: var(--position); top: 84pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 213.75pt; position: var(--position); top: 84pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);">10<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 258pt; position: var(--position); top: 84pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);">15<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 84pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">5<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 346.5pt; position: var(--position); top: 84pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 84pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">5<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435pt; position: var(--position); top: 84pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Diversification <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 61.300000000000004pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 98.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.21pt;"></span></span><span style="left: 32.84pt; position: var(--position);">-8<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 346.5pt; position: var(--position); top: 98.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.21pt;"></span></span><span style="left: 32.84pt; position: var(--position);">-9<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 98.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.21pt;"></span></span><span style="left: 32.84pt; position: var(--position);">-8<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435pt; position: var(--position); top: 98.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.21pt;"></span></span><span style="left: 32.84pt; position: var(--position);">-5<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 112.5pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total VaR <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 44.54pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 125.25pt; position: var(--position); top: 112.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.38pt;"></span></span><span style="left: 36.010000000000005pt; position: var(--position);">9<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 169.5pt; position: var(--position); top: 112.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.38pt;"></span></span><span style="left: 36.010000000000005pt; position: var(--position);">5<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 213.75pt; position: var(--position); top: 112.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.14pt;"></span></span><span style="left: 30.77pt; position: var(--position);">29<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 258pt; position: var(--position); top: 112.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.14pt;"></span></span><span style="left: 30.77pt; position: var(--position);">22<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 112.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.14pt;"></span></span><span style="left: 30.77pt; position: var(--position);">18<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 346.5pt; position: var(--position); top: 112.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.14pt;"></span></span><span style="left: 30.77pt; position: var(--position);">12<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 390.75pt; position: var(--position); top: 112.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.38pt;"></span></span><span style="left: 36.010000000000005pt; position: var(--position);">9<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435pt; position: var(--position); top: 112.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.14pt;"></span></span><span style="left: 30.77pt; position: var(--position);">14<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 30.75pt;"><td colspan="9" rowspan="2" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 61.5pt; left: 0pt; position: var(--position); top: 141pt; width: 479.25pt;"><div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 2.63pt; width: 479.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 9.72pt; position: var(--position); text-decoration: none; white-space: pre;">For calculation of HVaR per risk class the full valuation is performed according to HVaR methodology using a set of scenario <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 12.23pt; width: 479.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 9.72pt; position: var(--position); text-decoration: none; white-space: pre;">changes for the risk factors for the particular risk class, while risk factors for all other risk classes are kept unchanged.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 21.83pt; width: 479.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 9.72pt; position: var(--position); text-decoration: none; white-space: pre;">The total HVaR for the columns Minimum and Maximum cannot be calculated by taking the sum of the individual components <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 31.43pt; width: 479.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 9.72pt; position: var(--position); text-decoration: none; white-space: pre;">since the minimum/maximum observations for both the individual markets as well as for total HVaR may occur on different dates. <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 41.03pt; width: 479.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 9.72pt; position: var(--position); text-decoration: none; white-space: pre;">Therefore, diversification is not calculated for the minimum and maximum categories.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr><tr style="height: 30.75pt;"><td colspan="9" rowspan="1" style="display: none;"/></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 521.43pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Average 1D/10D HVaR, 10D SVaR and IRC over 2023 has increased compared to 2022. The capital increase is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 533.43pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">driven by an increase in market volatility following the US bank collapse from March 2023. The overall <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 545.43pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">average has increased in 2023, especially for interest rate which increased due to the&#160; US banking crisis. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">year end 1D HVaR has decreased from<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 727.5pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 735.63pt; position: var(--position); text-decoration: none; white-space: pre;">14<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 746.89pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 749.39pt; position: var(--position); text-decoration: none; white-space: pre;">million in 2022 to<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 826.77pt; position: var(--position); text-decoration: none; white-space: pre;"> &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 834.9pt; position: var(--position); text-decoration: none; white-space: pre;">9<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 840.53pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 843.03pt; position: var(--position); text-decoration: none; white-space: pre;">million at period end of 2023, due to low <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">positions at year-end of 2023.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 689.23pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING doesn&#8217;t calculate comprehensive risk capital charge and therefore it appears as N/A in the table below.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 130.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 486pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 394.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 486pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 486pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">EU MR3: Internal Model Approach values for trading portfolios<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 14.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">VaR (10 day 99%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1 Maximum value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 42.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">84<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 42.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">79<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2 Average value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 57pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">53<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 57pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">37<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3 Minimum value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 71.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">25<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 71.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">15<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4 Period end<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 85.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">25<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 85.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">42<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Stressed VaR (10 day 99%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5 Maximum value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 114pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);">116<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 114pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);">147<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 128.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6 Average value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 128.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">82<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 128.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">77<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 142.5pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">7 Minimum value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 142.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">57<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 142.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">47<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 156.75pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">8 Period end<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 156.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">69<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 156.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">65<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 171pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Incremental Risk Charge (99.9%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 185.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">9 Maximum value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 185.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);">304<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 185.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);">270<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 199.5pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">10 Average value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 199.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);">151<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 199.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);">113<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 213.75pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">11 Minimum value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 213.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">48<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 213.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">34<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 228pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">12 Period end<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 228pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);">108<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 228pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);">76<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 242.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Comprehensive Risk capital charge (99.9%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 256.5pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">13 Maximum value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 256.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.79pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 256.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.79pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 270.75pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">14 Average value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 270.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.79pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 270.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.79pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 285pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">15 Minimum value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 285pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.79pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 285pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.79pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 299.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">16 Period end<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 299.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.79pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 299.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.79pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 466.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Regulatory capital<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 484.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">According to the Capital Requirements Regulation (CRR/CRD IV), regulatory capital (own funds requirements) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 496.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for market risk can be calculated using the standardised approach or an internal model approach. ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 508.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">received regulatory approval to use an internal model to determine the regulatory capital for the market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 520.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk in all trading books of ING. Market risk capital of trading books is calculated according to the CRR, using <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">internal HVaR, SVaR, and IRC models, where diversification is taken into account. Capital for foreign <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 544.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">exchange risk from the banking books and for collective investment undertakings (CIUs) exposures in trading <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">204<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">books are calculated using the standardised approach with fixed risk weights. ING does not have a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">correlation trading portfolio or any other securitisations in the trading book.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Standardised approach<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 135.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 304.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">EU MR1: Market risk under Standardised Approach<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 304.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 304.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 304.5pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 66.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 66.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 304.5pt; position: var(--position); top: 27pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 67.91pt; position: var(--position); text-decoration: none; white-space: pre;">RWA<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 27pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 67.91pt; position: var(--position); text-decoration: none; white-space: pre;">RWA<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 304.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 304.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Outright products<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 304.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 304.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1 Interest rate risk (general and specific)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 304.5pt; position: var(--position); top: 55.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);">40<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 55.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);">10<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 304.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 304.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2 Equity risk (general and specific)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 304.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 304.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3 Foreign exchange risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 304.5pt; position: var(--position); top: 84pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);">4,811<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 84pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);">5,332<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 304.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 304.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4 Commodity risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 112.5pt; width: 304.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 304.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Options<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 126.75pt; width: 304.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 304.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5 Simplified approach<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 141pt; width: 304.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 304.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6 Delta-plus method<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 155.25pt; width: 304.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 304.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">7 Scenario approach<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 169.5pt; width: 304.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 304.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">8 Securitization (specific risk)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 183.75pt; width: 304.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 304.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">9 Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 304.5pt; position: var(--position); top: 183.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.25pt;"></span></span><span style="left: 63.88pt; position: var(--position);">4,851<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 183.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.25pt;"></span></span><span style="left: 63.88pt; position: var(--position);">5,342<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 353.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The MRWA under standardised approach have decreased compared to 2023. In 2023, MRWA is calculated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 365.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for FX exposures, in line with the new CRR standardised approach that was introduced in 2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 394.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Internal model approach<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 412.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Market risk regulatory capital has increased during 2023 compared to 2022. This mainly reflects higher <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 424.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest rate positions during 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 25.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 216pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="6" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">EU MR2-A: Market risk under Internal Model Approach<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 241.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 241.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 241.5pt; position: var(--position); top: 14.25pt; width: 121.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 121.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 97.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 363pt; position: var(--position); top: 14.25pt; width: 121.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 121.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 97.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 241.5pt; position: var(--position); top: 27pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">RWA<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 302.25pt; position: var(--position); top: 27pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.56pt; position: var(--position); text-decoration: none; white-space: pre;">Total own <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.56pt; position: var(--position); text-decoration: none; white-space: pre;">funds <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.9pt; position: var(--position); text-decoration: none; white-space: pre;">requirements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 363pt; position: var(--position); top: 27pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">RWA<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 423.75pt; position: var(--position); top: 27pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.56pt; position: var(--position); text-decoration: none; white-space: pre;">Total own <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.56pt; position: var(--position); text-decoration: none; white-space: pre;">funds <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.9pt; position: var(--position); text-decoration: none; white-space: pre;">requirements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 62.25pt; width: 25.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 25.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 25.5pt; position: var(--position); top: 62.25pt; width: 216pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">VaR (higher of values a and b)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 62.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.44pt;"></span></span><span style="left: 39.07pt; position: var(--position);">2,508<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 62.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.32pt;"></span></span><span style="left: 45.95pt; position: var(--position);">201<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 62.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.44pt;"></span></span><span style="left: 39.07pt; position: var(--position);">2,732<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 62.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.32pt;"></span></span><span style="left: 45.95pt; position: var(--position);">219<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 76.5pt; width: 25.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 25.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(a)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 25.5pt; position: var(--position); top: 76.5pt; width: 216pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Previous day&#8217;s VaR (VaRt-1)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 76.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.25pt;"></span></span><span style="left: 49.88pt; position: var(--position);">26<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 76.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.25pt;"></span></span><span style="left: 49.88pt; position: var(--position);">49<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 90.75pt; width: 25.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 25.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(b)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 25.5pt; position: var(--position); top: 90.75pt; width: 216pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Multiplication factor (mc)&#160; x average of previous <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">60&#160;working days (VaRavg)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 302.25pt; position: var(--position); top: 90.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.19pt;"></span></span><span style="left: 44.82pt; position: var(--position);">201<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 423.75pt; position: var(--position); top: 90.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.19pt;"></span></span><span style="left: 44.82pt; position: var(--position);">219<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114.75pt; width: 25.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 25.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 25.5pt; position: var(--position); top: 114.75pt; width: 216pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">SVaR (higher of values a and b)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 114.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.25pt;"></span></span><span style="left: 36.88pt; position: var(--position);">4,385<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 114.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.65pt;"></span></span><span style="left: 44.28pt; position: var(--position);">351<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 114.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.25pt;"></span></span><span style="left: 36.88pt; position: var(--position);">3,427<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 114.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.65pt;"></span></span><span style="left: 44.28pt; position: var(--position);">274<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 129pt; width: 25.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 25.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(a)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 25.5pt; position: var(--position); top: 129pt; width: 216pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Latest available SVaR (SVaRt-1))<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 129pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.25pt;"></span></span><span style="left: 49.88pt; position: var(--position);">75<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 129pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.25pt;"></span></span><span style="left: 49.88pt; position: var(--position);">70<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 143.25pt; width: 25.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 25.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(b)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 25.5pt; position: var(--position); top: 143.25pt; width: 216pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Multiplication factor (ms)&#160; x average of previous <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">60&#160;working days (sVaRavg)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 302.25pt; position: var(--position); top: 143.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.19pt;"></span></span><span style="left: 44.82pt; position: var(--position);">351<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 423.75pt; position: var(--position); top: 143.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.19pt;"></span></span><span style="left: 44.82pt; position: var(--position);">274<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 167.25pt; width: 25.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 25.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 25.5pt; position: var(--position); top: 167.25pt; width: 216pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">IRC (higher of values a and b)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 167.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.25pt;"></span></span><span style="left: 36.88pt; position: var(--position);">1,746<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 167.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.65pt;"></span></span><span style="left: 44.28pt; position: var(--position);">140<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 167.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.25pt;"></span></span><span style="left: 36.88pt; position: var(--position);">1,934<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 167.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.65pt;"></span></span><span style="left: 44.28pt; position: var(--position);">155<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 181.5pt; width: 25.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 25.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(a)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 25.5pt; position: var(--position); top: 181.5pt; width: 216pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Most recent IRC measure<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 181.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.19pt;"></span></span><span style="left: 44.82pt; position: var(--position);">108<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 181.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.25pt;"></span></span><span style="left: 49.88pt; position: var(--position);">76<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 195.75pt; width: 25.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 25.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(b)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 25.5pt; position: var(--position); top: 195.75pt; width: 216pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">12&#160;weeks average IRC measure<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 195.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.19pt;"></span></span><span style="left: 44.82pt; position: var(--position);">140<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 195.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.19pt;"></span></span><span style="left: 44.82pt; position: var(--position);">155<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 210pt; width: 25.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 25.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 25.5pt; position: var(--position); top: 210pt; width: 216pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Comprehensive risk measure (higher of values a, b <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">and c)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 234pt; width: 25.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 25.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(a)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 25.5pt; position: var(--position); top: 234pt; width: 216pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Most recent risk measure of comprehensive risk <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">measure<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 258pt; width: 25.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 25.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(b)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 25.5pt; position: var(--position); top: 258pt; width: 216pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">12&#160;weeks average of comprehensive risk measure<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 272.25pt; width: 25.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 25.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(c)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 25.5pt; position: var(--position); top: 272.25pt; width: 216pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Comprehensive risk measure - Floor<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 286.5pt; width: 25.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 25.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 25.5pt; position: var(--position); top: 286.5pt; width: 216pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 286.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.65pt;"></span></span><span style="left: 44.28pt; position: var(--position);">810<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 286.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.89pt;"></span></span><span style="left: 49.52pt; position: var(--position);">65<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 286.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.65pt;"></span></span><span style="left: 44.28pt; position: var(--position);">516<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 286.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.89pt;"></span></span><span style="left: 49.52pt; position: var(--position);">41<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 300.75pt; width: 25.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 25.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 25.5pt; position: var(--position); top: 300.75pt; width: 216pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 216pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 300.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.25pt;"></span></span><span style="left: 36.88pt; position: var(--position);">9,449<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 300.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.65pt;"></span></span><span style="left: 44.28pt; position: var(--position);">756<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 363pt; position: var(--position); top: 300.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.25pt;"></span></span><span style="left: 36.88pt; position: var(--position);">8,609<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 423.75pt; position: var(--position); top: 300.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.65pt;"></span></span><span style="left: 44.28pt; position: var(--position);">689<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 401.91pt; width: 1080pt;"><ix:continuation id="f-117-53" continuedAt="f-117-54"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Sensitivities (*)<span style="display: inline-block; height: 9pt;"></span></span></ix:continuation></div><ix:continuation id="f-117-54" continuedAt="f-117-55"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 420.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As part of the risk monitoring framework, TRM actively monitors the sensitivities of the trading portfolios. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Sensitivities measure the impact of movements in individual market risk factors (foreign exchange rates, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">interest rates, credit spreads, equity and commodity prices) on profit and loss results of the trading <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">positions and portfolios. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following tables show the five largest trading positions in terms of sensitivities to foreign exchange, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">interest rate and credit spread risk factor movements. These largest exposures also reflect concentrations of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk in FX risk per currency, interest rate risk per currency, and credit spread risk per country, rating and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sector. Due to the nature of the trading portfolios, positions in the portfolios can change significantly from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">day to day, and sensitivities of the portfolios can change daily accordingly.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">205<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-117-55" continuedAt="f-117-56"><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:MostImportantForeignExchangeYearEndTradingPositionsExplanatoryTableTextBlock" id="f-3157" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 196.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 196.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 483pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Most important foreign exchange year-end trading positions (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 196.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 196.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Foreign exchange<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 27pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Foreign exchange<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Japanese Yen<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.98pt;"></span></span><span style="left: 31.61pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2521" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-3158">61</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 41.25pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">US Dollar<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2522" decimals="-6" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-3159">187</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taiwan Dollar<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.5pt;"></span></span><span style="left: 28.13pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2523" decimals="-6" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-3160">58</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 55.5pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Romanian Leu<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2524" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-3161">88</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Romanian Leu<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.98pt;"></span></span><span style="left: 31.61pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2525" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-3162">58</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 69.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Japanese Yen<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2526" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-3163">86</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Chinese Yuan<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.98pt;"></span></span><span style="left: 31.61pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2527" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-3164">49</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 84pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Chinese Yuan<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2528" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-3165">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hong Kong Dollar<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.5pt;"></span></span><span style="left: 28.13pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2529" decimals="-6" sign="-" name="ifrs-full:ValueAtRisk" scale="6" id="f-3166">38</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 98.25pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">South Korean Won<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2530" decimals="-6" name="ifrs-full:ValueAtRisk" scale="6" id="f-3167">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="position: var(--position); top: 197.41pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:MostImportantInterestRateAndCreditSpreadSensitivitiesExplanatoryTableTextBlock" id="f-3168" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 196.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 196.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 483pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Most important interest rate and credit spread sensitivities at year-end (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; thousand<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest Rate (BPV) 1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 28.5pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest Rate (BPV) 1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Euro<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 42.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.26pt;"></span></span><span style="left: 22.89pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2531" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3169">309</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 42.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Euro<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 42.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2532" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3170">334</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Czech koruna<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 57pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.98pt;"></span></span><span style="left: 31.61pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2533" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3171">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 57pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">British Pound<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 57pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2534" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3172">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Korean Won<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 71.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.5pt;"></span></span><span style="left: 28.13pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2535" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3173">41</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 71.25pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">US Dollar<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 71.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2536" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3174">79</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">US Dollar<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.5pt;"></span></span><span style="left: 28.13pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2537" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3175">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 85.5pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taiwan Dollar<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2538" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3176">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">British Pound<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 99.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.5pt;"></span></span><span style="left: 28.13pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2539" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3177">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 99.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Japanese Yen<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 99.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2540" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3178">63</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 129.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit Spread (CSO1) 2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 129.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit Spread (CSO1) 2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 144pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 144pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2541" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3179">405</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 144pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 144pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2542" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3180">162</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 158.25pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 158.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2543" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3181">120</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 158.25pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">United States<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 158.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2544" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3182">151</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 172.5pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Korea<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 172.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.26pt;"></span></span><span style="left: 22.89pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2545" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3183">111</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 172.5pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Japan<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 172.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2546" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3184">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 186.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Japan<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 186.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2547" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3185">106</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 186.75pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">France<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 186.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2548" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3186">88</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 201pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">United Kingdom<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 196.5pt; position: var(--position); top: 201pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2549" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3187">101</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 201pt; width: 196.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 196.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 201pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2550" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3188">87</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 32.25pt;"><td colspan="4" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 32.25pt; left: 0pt; position: var(--position); top: 215.25pt; width: 483pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.09pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 9.72pt; position: var(--position); text-decoration: none; white-space: pre;">Basis point value (BPV) measures the impact on value of a one basis point increase in interest rates. <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 12.69pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 9.72pt; position: var(--position); text-decoration: none; white-space: pre;">Credit Spread Sensitivity (CS01) measures the impact on value of a one basis point increase in credit spreads. Exposures to <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 22.29pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 9.72pt; position: var(--position); text-decoration: none; white-space: pre;">supranational institutions are not assigned to a specific country.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:CreditSpreadSensitivitiesPerRiskClassAndSectorExplanatoryTableTextBlock" id="f-3189" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 140.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 96.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 93pt;"/></tr><tr style="height: 14.25pt;"><td colspan="5" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Credit spread sensitivities per risk class and sector at year-end (*)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 14.25pt; width: 174pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 174pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 150.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 14.25pt; width: 170.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 170.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 146.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 140.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; thousand<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 140.25pt; position: var(--position); top: 27pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.62pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 217.5pt; position: var(--position); top: 27pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.41pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Institutions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 314.25pt; position: var(--position); top: 27pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.62pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 27pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.66pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Institutions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 41.25pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit Spread (CSO1) <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 90.61pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 54pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Risk classes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 66.75pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1 (AAA)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 66.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.56pt;"></span></span><span style="left: 69.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2551" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3190">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 217.5pt; position: var(--position); top: 66.75pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 86.06pt;"></span></span><span style="left: 88.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2552" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3191">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 93.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 66.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.56pt;"></span></span><span style="left: 69.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2553" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3192">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 66.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78.96pt;"></span></span><span style="left: 81.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2554" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3193">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 79.5pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2&#8211;4 (AA)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 79.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.5pt;"></span></span><span style="left: 64.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2555" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3194">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 217.5pt; position: var(--position); top: 79.5pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81pt;"></span></span><span style="left: 83.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2556" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3195">50</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 93.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 79.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.21pt;"></span></span><span style="left: 65.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2557" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3196">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 79.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78.96pt;"></span></span><span style="left: 81.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2558" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3197">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 92.25pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">5&#8211;7 (A)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 92.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.5pt;"></span></span><span style="left: 64.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2559" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3198">57</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 217.5pt; position: var(--position); top: 92.25pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81pt;"></span></span><span style="left: 83.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2560" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3199">50</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 93.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 92.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.44pt;"></span></span><span style="left: 59.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2561" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3200">154</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 92.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.9pt;"></span></span><span style="left: 76.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2562" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3201">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 105pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">8&#8211;10 (BBB)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 105pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.44pt;"></span></span><span style="left: 59.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2563" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3202">106</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 217.5pt; position: var(--position); top: 105pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81pt;"></span></span><span style="left: 83.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2564" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3203">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 93.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 105pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.44pt;"></span></span><span style="left: 59.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2565" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3204">249</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 105pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.9pt;"></span></span><span style="left: 76.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2566" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3205">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 117.75pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">11&#8211;13 (BB)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 117.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.5pt;"></span></span><span style="left: 64.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2567" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3206">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 217.5pt; position: var(--position); top: 117.75pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 77.65pt;"></span></span><span style="left: 80.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2568" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3207">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 93.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 117.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.56pt;"></span></span><span style="left: 69.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2569" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3208">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 117.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 82.31pt;"></span></span><span style="left: 84.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2570" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3209">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 130.5pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">14&#8211;16 (B)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 130.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.5pt;"></span></span><span style="left: 64.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2571" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3210">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 217.5pt; position: var(--position); top: 130.5pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 82.71pt;"></span></span><span style="left: 85.33999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2572" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3211">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 93.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 130.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.5pt;"></span></span><span style="left: 64.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2573" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3212">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 130.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78.96pt;"></span></span><span style="left: 81.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2574" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3213">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 143.25pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">17&#8211;22 (CCC and NPL)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 143.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.21pt;"></span></span><span style="left: 65.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2575" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3214">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 217.5pt; position: var(--position); top: 143.25pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 77.65pt;"></span></span><span style="left: 80.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2576" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3215">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 93.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 143.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.56pt;"></span></span><span style="left: 69.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2577" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3216">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 143.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78.96pt;"></span></span><span style="left: 81.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2578" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3217">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 156pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Not rated<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 156pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.56pt;"></span></span><span style="left: 69.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2579" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3218">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 217.5pt; position: var(--position); top: 156pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 86.06pt;"></span></span><span style="left: 88.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2580" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3219">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 93.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 156pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.56pt;"></span></span><span style="left: 69.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2581" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3220">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 156pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 82.31pt;"></span></span><span style="left: 84.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2582" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3221">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 168.75pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 168.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.9pt;"></span></span><span style="left: 58.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2583" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3222">208</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 217.5pt; position: var(--position); top: 168.75pt; width: 96.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 96.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.64pt;"></span></span><span style="left: 83.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2584" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3223">65</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 93.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 168.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.9pt;"></span></span><span style="left: 58.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2585" decimals="-3" name="ifrs-full:ValueAtRisk" scale="3" id="f-3224">437</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 168.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.41pt;"></span></span><span style="left: 76.03999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2586" decimals="-3" sign="-" name="ifrs-full:ValueAtRisk" scale="3" id="f-3225">36</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 90.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="5" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 181.5pt; width: 484.5pt;"><div><div style="line-height: 8pt; position: var(--position); top: 2.94pt; width: 484.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.630000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 9.72pt; position: var(--position); text-decoration: none; white-space: pre;">Credit Spread Sensitivity (CS01) measures the impact on value of a 1 basis point increase in credit spreads.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">206<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_142"></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:continuation id="f-117-56" continuedAt="f-117-57"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Funding and liquidity risk (*)<span style="display: inline-block; height: 12pt;"></span></span></ix:continuation></div><ix:continuation id="f-117-57" continuedAt="f-117-58"><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 102.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Introduction (*)<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Funding and liquidity (F&amp;L) risk is the risk that ING or one of its subsidiaries cannot meet their financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">liabilities upon their maturity date at a reasonable cost and in a timely manner. ING incorporates funding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and liquidity risk management in its business strategy, and has established a funding and liquidity risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">framework to manage these risks within predefined boundaries. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">A high-level overview of the F&amp;L framework is provided in the next figure.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 217.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Governance (*)<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 240.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Funding and liquidity risk management within ING falls under the supervision of the ALCO Bank function, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 252.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which approves the funding and liquidity risk appetite and subsequently cascades it throughout the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 264.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">organisation. ALCO Bank has delegated the responsibilities of the Internal Capital and Liquidity Adequacy <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Assessment Process (ICLAAP) and documents, as per the ICLAAP framework of ING, to the ICLAAP <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Committee. The ICLAAP Committee therefore focuses on technical liquidity documents and oversees <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business processes and deliverables concerning the Internal Liquidity Adequacy Assessment Process <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 312.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(ILAAP). The EB, MBB, and staff departments from the CRO and CFO domains, as well as Group Treasury, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 324.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">have oversight of, and are responsible for, managing funding and liquidity risks. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s funding and liquidity risk governance is based on the three-lines-of-defence structure. This sets a clear <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">division of responsibilities as well as an independent risk control challenge process. Group Treasury and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">business lines have the first-line-of-defence functions, which include management of ING&#8217;s (regulatory) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">liquidity and funding position, maintaining access to the professional funding markets, and managing the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">liquidity buffer. Financial Risk, as the second line of defence, is responsible for developing and maintaining <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s policies, standards and guidelines on F&amp;L risk management, as well as for setting the F&amp;L risk appetite <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">through stress testing and other risk measurement activities. The Finance function is responsible for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management information and regulatory reporting related to funding and liquidity risk management. As <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the third line of defence, Corporate Audit Services is responsible for independently assessing the design, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">effectiveness, and implementation of the Funding &amp; Liquidity framework.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 477.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 477.75pt;"/></tr><tr style="height: 368.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 368.25pt; left: 0pt; position: var(--position); top: 0pt; width: 477.75pt;"><div><div style="position: var(--position); top: 2.63pt; width: 477.75pt;"><div style="left: 2.63pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g19.jpg" alt="AR2023 Risk FundingLiquidity-21feb.jpg" style="height: 359.79pt; width: 470.55pt;"/></div></div></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 456.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Funding and liquidity management strategy and objectives (*)<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The main objective of ING&#8217;s funding and liquidity risk management is to maintain sufficient liquidity to fund <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the commercial activities of ING, both under normal and stressed market circumstances across various <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">locations, currencies, and tenors.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s funding consists mainly of retail and corporate deposits contributing around 50 percent and 25 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">percent of total funding, respectively. These funding sources provide a relatively stable funding base. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 553.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remainder of the required funding is attracted primarily through a combination of long-term and short-term <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">207<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-117-58" continuedAt="f-117-59"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">professional funding. Group Treasury manages the professional funding in line with the F&amp;L risk appetite, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with the aim of ensuring a sufficiently diversified and stable funding base.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: var(--position); top: 106.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 394.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Funding mix<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ffffff; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 62.690000000000005pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 394.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 439.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 30pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Funding type<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 44.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits (retail)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f5f5f5; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 44.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.68pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.68pt; position: var(--position);">52<span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 44.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.68pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.68pt; position: var(--position);">51<span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 58.5pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits (corporate)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f5f5f5; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 58.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.68pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.68pt; position: var(--position);">22<span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 58.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.68pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.68pt; position: var(--position);">23<span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 72.75pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Lending/repurchase agreements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f5f5f5; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 72.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.74pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.74pt; position: var(--position);">7<span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 72.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.74pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.74pt; position: var(--position);">6<span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 87pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interbank<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f5f5f5; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 87pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.74pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.74pt; position: var(--position);">2<span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 87pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.74pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.74pt; position: var(--position);">6<span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 101.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">CD/CP<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f5f5f5; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 101.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.74pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.74pt; position: var(--position);">5<span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 101.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.74pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.74pt; position: var(--position);">3<span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 115.5pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Long-term senior debt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f5f5f5; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 115.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.68pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.68pt; position: var(--position);">10<span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 115.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.74pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.74pt; position: var(--position);">8<span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 129.75pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Subordinated debt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f5f5f5; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 129.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.74pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.74pt; position: var(--position);">2<span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 129.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.74pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.74pt; position: var(--position);">2<span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 36.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 144pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f3f3f3; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 144pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 20.08pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 20.08pt; position: var(--position);">100<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.8pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 144pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 20.08pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 20.08pt; position: var(--position);">100<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.8pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 158.25pt; width: 394.5pt;"><div><div style="line-height: 8pt; position: var(--position); top: 3.25pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1&#160; Liabilities excluding trading securities and IFRS equity.<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="position: var(--position); top: 297.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 124.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group long-term debt maturity profile by currency at year-end 2023<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 14.25pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 124.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; billion (nominal <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 124.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">amounts)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 124.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 169.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 214.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2026<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 259.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 304.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 349.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2029<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 394.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.17pt; position: var(--position); text-decoration: none; white-space: pre;">Beyond <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2030<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 439.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.07pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 38.25pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 124.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Currency<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 52.5pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 124.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">EUR<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 124.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">1.3<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 169.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">6.8<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 214.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">9.1<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 259.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">6.9<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 304.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">8.5<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">9.8<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.28pt;"></span></span><span style="left: 26.91pt; position: var(--position);">25.6<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.28pt;"></span></span><span style="left: 26.91pt; position: var(--position);">68.2<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66.75pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 124.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">USD<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 124.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">0.9<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 169.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">0.4<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 214.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">3.7<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 259.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">4.6<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 304.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">3.1<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">1.2<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">4.7<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.28pt;"></span></span><span style="left: 26.91pt; position: var(--position);">18.5<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 81pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 124.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 124.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">1.2<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 169.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">1.3<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 214.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">2.6<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 259.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">0.3<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 304.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">1.6<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">0.9<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);">2.9<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.28pt;"></span></span><span style="left: 26.91pt; position: var(--position);">10.8<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 95.25pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 124.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f5f5f5; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 124.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.98pt;"></span></span><span style="left: 31.61pt; position: var(--position);">3.4<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f5f5f5; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 169.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.98pt;"></span></span><span style="left: 31.61pt; position: var(--position);">8.5<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f5f5f5; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 214.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">15.4<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f5f5f5; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 259.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">11.8<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f5f5f5; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 304.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">13.3<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f5f5f5; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">11.8<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f5f5f5; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">33.3<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f5f5f5; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.74pt;"></span></span><span style="left: 26.369999999999997pt; position: var(--position);">97.4<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position: var(--position); top: 427.41pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 124.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group long-term debt maturity profile by currency at year-end 2022<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 14.25pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 124.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in &#8364; billion (nominal <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 124.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">amounts)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 124.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 169.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2024<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 214.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2025<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 259.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2026<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 304.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2027<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 349.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2028<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 394.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.17pt; position: var(--position); text-decoration: none; white-space: pre;">Beyond <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2029<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 439.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.07pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 38.25pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 124.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Currency<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 52.5pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 124.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">EUR<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 124.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">4.8<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 169.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">1.2<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 214.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">6.9<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 259.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">5.4<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 304.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">5.7<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">8.5<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.24pt;"></span></span><span style="left: 23.869999999999997pt; position: var(--position);">28.9<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.24pt;"></span></span><span style="left: 23.869999999999997pt; position: var(--position);">61.4<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66.75pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 124.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">USD<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 124.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">2.8<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 169.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">1.0<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 214.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">0.4<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 259.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">3.8<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 304.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">3.1<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">3.7<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">4.5<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.24pt;"></span></span><span style="left: 23.869999999999997pt; position: var(--position);">19.2<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 81pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 124.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 124.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">1.2<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 169.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">1.3<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 214.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">1.3<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 259.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">2.2<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 304.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">0.4<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">1.1<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">1.8<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 81pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.3pt;"></span></span><span style="left: 28.93pt; position: var(--position);">9.2<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 95.25pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 124.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 124.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.94pt;"></span></span><span style="left: 28.57pt; position: var(--position);">8.8<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 169.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.94pt;"></span></span><span style="left: 28.57pt; position: var(--position);">3.4<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 214.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.94pt;"></span></span><span style="left: 28.57pt; position: var(--position);">8.6<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 259.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.7pt;"></span></span><span style="left: 23.33pt; position: var(--position);">11.3<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 304.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.94pt;"></span></span><span style="left: 28.57pt; position: var(--position);">9.2<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.7pt;"></span></span><span style="left: 23.33pt; position: var(--position);">13.3<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.7pt;"></span></span><span style="left: 23.33pt; position: var(--position);">35.2<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 95.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.7pt;"></span></span><span style="left: 23.33pt; position: var(--position);">89.9<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:continuation id="f-117-59" continuedAt="f-117-60"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Funding and liquidity adequacy and risk appetite (*)<span style="display: inline-block; height: 10.5pt;"></span></span></ix:continuation></div><ix:continuation id="f-117-60" continuedAt="f-117-61"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING identifies key drivers of short-term and future liquidity and funding needs on an ongoing basis through <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the periodic risk identification process. Taking into consideration the identified risk drivers, ING regularly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 111.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assesses its current and future liquidity adequacy and, if deemed necessary, takes action to further improve <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 123.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s liquidity position and maintain sufficient counterbalancing capacity. A liquidity adequacy statement is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 135.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">formulated on a quarterly basis to substantiate and reflect the management view on the current funding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 147.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and liquidity position as well as the potential future challenges. The quarterly liquidity adequacy statement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 159.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">is an important part of ING&#8217;s ILAAP process. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 186.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Additionally, ING completes ad-hoc funding and liquidity assessments if deemed necessary. Following the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 198.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">banking turmoil in March 2023, ING completed a lessons-learned deep-dive. This deep-dive included peer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 210.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and internal analysis of deposit structures and liquidity buffers, and a review of the influence of mobile <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 222.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">banking apps and social media on financial institutions. The F&amp;L risk appetite subsequently incorporated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 234.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">elements of this analysis, as well as the impacts of quantitative tightening, TLTRO III redemptions, increased <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 246.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">competition for savings in the higher-interest-rate-environment and potentially higher deposit outflows in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 258.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">certain countries, in the 2023 review.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 285.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING assesses its F&amp;L adequacy through three lenses &#8211; stress, economic and normative:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 297.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Through the stress lens, ING evaluates its ability to withstand periods of prolonged F&amp;L stress for both <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">normative and economic requirements or limits under idiosyncratic, market-related, a combination of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 323.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">idiosyncratic and market-related and climate risk scenarios, which lead to customer deposit outflows, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 336.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">deterioration of access to funding markets, and lower liquidity value of counterbalancing capacity.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 348.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Through the economic lens, ING assesses the extent to which its customers, professional counterparties <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">and investors are comfortable to provide deposits and funding in the tenors, currencies, and instruments <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">necessary to sustainably fund the business (intraday, short-term and long-term) in a going-concern <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">situation.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 400.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Through the normative lens, ING ascertains that the bank is in the position to meet current and future <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 412.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">home and host regulatory requirements.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 440.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For each lens, ING has established a related set of risk appetite statements, which define ING&#8217;s risk appetite <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 452.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">commensurate with the principles of liquidity adequacy. These risk appetite statements are summarised in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 464.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the following illustration:<span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 665.51pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 8.73pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 668.8399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 8.73pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">208<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-117-61" continuedAt="f-117-62"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 485.25pt;"/></tr><tr style="height: 360pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 360pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="position: var(--position); top: 3.25pt; width: 485.25pt;"><div style="left: 5.4pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g20.jpg" alt="Risk_6.jpg" style="height: 350.25pt; width: 459.36pt;"/></div></div></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The F&amp;L risk appetite statements are translated into a number of metrics with appropriate boundaries and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">instruments, which are used to regularly measure and manage ING&#8217;s funding and liquidity risk. The risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">appetite with respect to the stress lens aims to have sufficient counterbalancing capacity under various <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">internally defined stress scenarios. Regarding the economic perspective, an internally defined stable funding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to loans (SFtL) ratio and stable funding surplus metric (supplemented by other metrics) is used to stimulate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a diversified funding base and to prevent overreliance on professional funding. Finally, the liquidity coverage <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ratio (LCR) and the net stable funding ratio (NSFR) regulatory metrics are monitored in terms of both ING&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk appetite and normative requirements. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The macroeconomic and market environment are also important considerations in ING&#8217;s funding and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">liquidity framework. The macroeconomic environment comprises various exogenous factors over which ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">has no control, but which may have a material impact on ING&#8217;s F&amp;L position. The main macroeconomic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">factors analysed on a regular basis include:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Performance of global and local economic performance e.g. shifts in GDP, inflation rates, unemployment <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 125.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">rates, and public deficit/surplus; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 138.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Developments and risks arising from geopolitical tensions and related trends; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 151.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Monetary policy with a focus on the alternative monetary measures employed by central banks in <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 164.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">recent years as a result of the global energy crisis and the recent period of high inflation; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 176.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Regulatory requirements; e.g. understanding the changing regulatory landscape as well as the impact of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 189.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s actions on existing regulatory boundaries. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 217.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The strategic ambitions of ING, together with the design and execution of the funding plan, are assessed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 229.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">under both current and projected market conditions. An emphasis is placed on understanding overall <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 241.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">market trends and developments, credit rating changes, and peer comparisons.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 271.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Liquidity stress-testing (*)<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 294.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Funding and liquidity stress-testing forms part of the overall F&amp;L framework. It allows ING to examine the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 306.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">effects of exceptional but plausible future events on ING&#8217;s funding and liquidity position. It also provides <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 318.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">insight into which entities, business lines or portfolios are vulnerable to which types of risk drivers or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 330.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">scenarios.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 357.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The stress-testing framework encompasses the funding and liquidity risks of the consolidated balance sheet <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 369.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of ING Group, including all entities, business lines as well as on-, and off-balance-sheet positions. The net <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 381.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">liquidity position (NLP) is the main stress-testing measure and is measured at different time buckets. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 408.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The stress-testing framework considers idiosyncratic, market-wide, combined (idiosyncratic and market-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 420.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">wide), and climate and environmental stress scenarios. The design of the framework is based on empirical <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">evidence supplemented by expert judgement. The framework can be extended to additional ad-hoc <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">scenarios. For example, it can be used as input for firm-wide stress testing and reverse stress testing.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Outcomes of the stress tests are considered in the key aspects of ING&#8217;s F&amp;L risk framework and F&amp;L risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management, including: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 495.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Risk Appetite Framework (through risk appetite statements);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 508.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Risk identification and assessment;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 520.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Monitoring of the liquidity and funding position;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 533.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Business actions (if needed);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 546.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Contingency funding plan;<span style="display: inline-block; height: 12pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">209<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-117-62"><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Early-warning indicators.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 92.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The funding and liquidity stress-testing framework is also subject to regular internal validation by model <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 104.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">validation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 131.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In line with supervisory expectations, ING&#8217;s liquidity position is stress tested on at least a monthly basis <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 143.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">using scenarios that form part of the F&amp;L risk appetite statement. The results of all internal stress scenarios <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 155.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are monitored and assessed on a regular basis. In addition, ad-hoc scenarios based on current economic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and market developments are run to determine their potential impacts on the funding and liquidity position <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 179.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of ING. In 2023, this included stress test scenarios dedicated to the impact of rapid deposit outflows on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 191.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">bank, as well as a shutdown of short and long-term funding markets. The internal stress scenarios also serve <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 203.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as input in the decision on additional contingency measures.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 230.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Contingent F&amp;L risks are addressed in the contingency capital and funding plan with a focus on early-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 242.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">warning indicators as well as organisation and planning of liquidity management in times of stress. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 254.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">contingency funding measures are developed in conjunction with the ING recovery plan and are reviewed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 266.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and tested on a regular basis<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">210<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_145"></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Environmental, social and governance risk<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 102.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Introduction<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Environmental, social and governance (ESG) risk is not identified as an independent risk category/ risk type. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Rather, it is a set of drivers affecting the likelihood and severity of existing risk categories/ risk types. ESG risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">is an overarching set of risk drivers affecting:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Financial risks: solvency risk, credit risk, market risk, funding &amp; liquidity risk;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 173.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Non-financial risks: operational risk, IT risk, reputational/litigation risk, compliance risk;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 186.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Other overarching risks: model risk and business risk.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ESG risk is defined as any negative financial and/or non-financial impact on ING due to the present or future <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impacts from ESG factors on and stemming from ING&#8217;s own operations &#8211; as well as its business activities as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a company, its counterparties, and any sourced processes. The ESG risk definition considers: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 250.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">ESG risk with regards to own operations: The risk of any negative financial and/or non-financial impact <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 263.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">due to an ESG factor causing damage to ING&#8217;s infrastructure, or due to an adverse reputational impact <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 275.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">resulting from non-compliance with ING&#8217;s commitments and ESG-related laws, regulations and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">disclosures. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 301.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">ESG risk with regards to business activities: The risk of any negative financial and/or non-financial impact <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 314.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">due to an ESG factor causing damage to ING&#8217;s business activities (for example from lending to <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">counterparties, investment exposures, funding activities and sourcing processes).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ESG factors are defined as environmental, social or governance matters that may have a positive or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">negative impact on the financial performance or solvency of an entity, sovereign or individuals.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 386.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Environmental factors are related to the quality and functioning of the natural environment and of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">natural systems, and include factors such as climate change, biodiversity and ecosystems, water and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 412.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">marine resources, resource use and circular economy, and pollution. Environmental factors are defined <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 425.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">as environmental matters that may have a positive or negative impact on the financial performance or <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">solvency of an entity, sovereign or individual. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 450.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Social factors are related to the rights, well-being and interests of people and communities, and include <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">factors such as (in)equality, health, employee empowerment, diversity and inclusion, employee and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 476.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">customer health, safety and protection, inclusiveness, labour relations, human rights, workplace health <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 489.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">and safety, human capital and communities. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 502.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Governance factors cover corporate governance practices, including executive leadership, executive <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 514.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">compensation, audits, internal controls, sound tax practices, board independence, shareholder rights, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 527.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">ethical considerations, anti-corruption and bribery, sound risk management structures, organisation and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">functioning of the management body, transparency with regards to disclosures of information rules and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">practices and also the way in which companies or entities include environmental and social factors in <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">their policies and procedures. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 105.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Within environmental risks a further distinction is made between physical and transition risk. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 117.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Physical risks refer to any negative financial and/or non-financial impact due to the physical effects of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 130.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">environmental factors. Such physical effects include: <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 143.11pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 569.2199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">Acute physical effects, which arise from:<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 155.91pt; width: 1080pt;"><span style="font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 597.62pt; position: var(--position); text-decoration: none; white-space: pre;">Climate-related (weather-related) hazards such as storms, floods, fires or heatwaves.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 168.71pt; width: 1080pt;"><span style="font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 597.62pt; position: var(--position); text-decoration: none; white-space: pre;">Other environmental hazards related to biodiversity and ecosystems, water and marine resources, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 181.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 597.62pt; position: var(--position); text-decoration: none; white-space: pre;">resource use and circular economy and pollution, that may damage production facilities and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 194.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 597.62pt; position: var(--position); text-decoration: none; white-space: pre;">disrupt value chains.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 207.11pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 569.2199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">Chronic physical effects, which arise from longer-term trends (progressive shifts), such as <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 219.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">temperature changes, rising sea levels, reduced water availability, biodiversity loss and changes in <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">land and soil productivity. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 245.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Transition risks refer to any negative financial and/or non-financial impact due to the effect of the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 258.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">transition to a net-zero and more environmentally sustainable economy. The transition includes:<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 271.11pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 569.2199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">Climate and environment related policy changes;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 283.91pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 569.2199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">Technological changes;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 296.71pt; width: 1080pt;"><span style="color: #929292; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 569.2199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.42pt; position: var(--position); text-decoration: none; white-space: pre;">Market sentiment and demand changes.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 327.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Governance<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 350.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The ad hoc ESG committee is responsible for supervising ING&#8217;s ESG direction, endorsing and monitoring <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">progress, and advising the MBB on dilemmas. The ESG Sounding Board, comprised of senior leaders, guides <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the development and implementation of ESG topics as well as reporting on progress. Further details on ESG <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 386.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk governance are provided in the section below.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 415.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ESG Risk Committee (ERC)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 433.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The ERC is a standing committee at ING involved in matters related to ESG risk. It is the primary oversight <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 445.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">committee for ESG risk matters such as ESG risk methodologies, ESG risk internal and external reporting, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 457.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ESG risk framework, and the manner in which we address regulatory requirements related to ESG risk. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ERC oversees the management of ESG risk for ING. The committee also facilitates cross-functional alignment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 481.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and decision-making on material operational issues (for risk types on which ESG risk has a material impact). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The ERC is established as a technical board, and is serving MBB and/or MBB delegated committees <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(depending on the topic) as support in decision-making, and ensures that ESG risk related matters discussed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">at the SB are executed and delivered on. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">211<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The MBB delegated committees involved are the Global Credit and Trading Policy Committee (GCTP), Bank <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Non-Financial Risk Committee (BNFRC), Model Risk Management Committee (MoRMC), Asset and Liability <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Committee (ALCO), and Global Credit Committee Transaction Approvals (GCC- TA).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 117.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ESG Risk department<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The ESG Risk department is a function that is part of ING's second line of defence. The head of ESG Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reports to the head of Integrated Risk, reporting directly to ING&#8217;s Chief Risk Officer (CRO). The ESG Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">department, under the leadership of the head of ESG Risk, is responsible for adapting ING&#8217;s risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management framework to account for ESG risk. The ESG Risk department challenges and provides <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">oversight on the implementation of ESG risk practices by the first line of defence.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The ESG Risk department is responsible for:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 223.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Maintaining the ESG risk framework and related policies and mandatory instructions;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 236.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Addressing the requirements of ESG risk regulations and supervisory guidance, such as the European <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 248.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Central Bank's (ECB) guide on climate-related and environmental (C&amp;E) risks;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 261.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Setting ESG risk appetite;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 274.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Identifying and assessing ESG risk;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 287.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Monitoring and reporting ING&#8217;s ESG risk profile.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 317.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Environmental and social risk (ESR) team<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 335.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The environmental and social risk (ESR) team is a Wholesale Banking risk function that's part of ING's second <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 347.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">line of defence (the first line being the business itself). The ESR team performs an advisory role to support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 359.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the deal principals, senior credit officers, and approval authorities on individual transactions/engagements. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 371.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The degree of the ESR team engagement in transactions is dependent upon (i) the risk profile of the client, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 383.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">project or business engagement, (ii) ING&#8217;s exposure, and (iii) the risks screened. In some locations, an ESR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">delegated adviser may be appointed if mutually agreed by the head of ESR and regional head. Such a role <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">would support the senior credit officer (SCO), who would be responsible for ESR in the region. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 434.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The ESR function encompasses the following activities:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 446.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Create and maintain policies for sensitive industry sectors;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 459.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Assess transactions for environmental and social risk;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 472.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Monitor high-risk clients to assess compliance with sustainability criteria;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 484.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Spread ESR awareness throughout ING;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 497.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Participate in European and global advisory groups (e.g. OECD advisory group, steering committee to the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Equator Principles, Thun Group of Banks) to help bring all banks to the same high standard.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Managing ESG risk<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The ESG risk framework assists in managing ESG risk effectively through the application of the risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management process at varying levels of the organisation. The risk management cycle describes the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">processes by which ING can identify, assess, measure, mitigate and monitor ESG risk integrated within the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">existing risk types. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 146.31pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g21.jpg" alt="ING_Climate_Report_2023_Items_ESG_Risk_Management.jpg" style="height: 234.86pt; width: 485.01pt;"/></div></div></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 401.17pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ESG factors (the drivers of ESG risk) can lead to a negative financial and/or non-financial impact through a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 413.17pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">variety of transmission channels. Transmission channels refer to the causal chains that explain how the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 425.17pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">various risk drivers impact institutions through their own operations or business activities (see the figure <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 437.17pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">below).<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">212<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 91.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g22.jpg" alt="Diagram v3.jpg" style="height: 272.82pt; width: 485.01pt;"/></div></div></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 369.73pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk identification<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.13pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Managing ESG risks covers both physical risks (e.g. extreme weather events, soil degradation) and transition <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.13pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risks (e.g. policy changes, shifts in market sentiment and consumer demand). The potential impacts that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.13pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">physical and transition risks could have on households, businesses as well as on the macroeconomy can <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.13pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">translate into a range of financial risks for ING. The ESG risks can materialise through defaults of businesses <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.13pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and households, increased volatility in equity and commodity markets, disruptions to banks' and customers' <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.13pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">operations, and litigation procedures. ING has identified the physical and transition risk transmission <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.13pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">channels for credit risk (for our Wholesale Banking, Business Banking, and mortgages portfolios separately), <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.13pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">market risk, operational risk, underwriting risk, compliance risk and liquidity risk. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.13pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, the outcome of ING&#8217;s bank-wide risk identification and assessment process indicates that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 522.13pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">climate risk is an emerging risk considering both its likelihood and impact. That means it has the potential to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 534.13pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">significantly affect our performance but its impact on the organisation is more difficult to assess than other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 546.13pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk drivers.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risk measurement<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING measures its exposure to environmental risk by assessing and measuring risks through risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">quantification methodologies. The methodologies take into account qualitative and quantitative criteria and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">different time horizons (short, medium and long-term). The definitions for short, medium and long-term <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">depend on the climate risk (physical or transition risk), the existing risk type (credit, market, operational, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compliance and liquidity) and the portfolio under consideration.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 158.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Quantification approaches for our Business Banking and Wholesale Banking portfolios include:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 170.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 569.22pt; position: var(--position);">Exposures towards companies excluded from EU Paris-aligned benchmarks;<span style="display: inline-block; height: 12pt; width: 22.2pt;"></span></span></span></div><div style="line-height: 16pt; position: var(--position); top: 183.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Exposures to the top-20 most carbon-intensive firms.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 210.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Quantification approaches for our immovable property portfolio include:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 222.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Mapping of collateral values to physical risk hazards;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 235.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Transition risk given the EPC label distribution of the portfolio.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 271.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Using various quantification approaches ING is able to identify and assess our material Environmental risks. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 283.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Different quantification approaches have been developed for the different business segments<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 312.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risk mitigation<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 330.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The mitigation of the identified risks can be performed through several risk mitigating strategies, such as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 342.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reducing risk levels, avoiding risk, accepting risk or transferring the risk. The measures are embedded as part <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 354.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of the updates of the existing policies and procedures in the different risk categories / risk types to mitigate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 366.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">material ESG risk. Mitigation activities can be performed at a portfolio, client or transaction level and include, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 378.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">but are not limited to:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 390.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Engaging with high ESG risk counterparties to understand and support their mitigation plans. For <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 403.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">instance, the conditions that apply to loans based on the ESR outcome can play an important role in <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 416.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">helping clients improve their environmental and social performance, as well as ensuring their continued <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 429.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">compliance with our ESR policy; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 442.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Setting the risk appetite statement (RAS) to limit the level of acceptable risks with consequence <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 454.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">management attached;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 467.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Ensuring appropriate business continuity plans and insurance are in place to reduce the impact of more <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 480.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">frequent and severe weather events for both ING's own operations and business activities, thus reducing <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 493.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 569.22pt; position: var(--position);">the inherent risk.<span style="display: inline-block; height: 12pt; width: 32.64pt;"></span></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 521.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Risk appetite<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 537.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We used the outcomes of the C&amp;E risk heatmap exercise to introduce climate risk elements in the credit risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 549.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">appetite from 2022 onwards. In 2023, we continued with the monitoring mechanism which was established <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">213<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for Wholesale Banking (WB) at the start of 2022, which limits growth of sub-sectors with a higher exposure <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to C&amp;E risks, while allowing for growth within the overall sector limit. In July 2022, this mechanism became <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">binding for WB sectors. For Business Banking (BB) sectors, a similar approach was used and the BB credit risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">appetite has been in a monitoring period since 2022. In addition, climate risk has been incorporated into the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 market risk banking book risk appetite, with the introduction of sensitivity metrics per climate risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">category.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Stress testing<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s climate stress-testing model leverages upon data gathered and models developed for the ECB Climate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 179.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk Stress Test, enhanced with internal climate risk stress test analysis. The risk coverage of the internal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 191.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">climate risk stress test is the full credit portfolio reflecting both flood and transition risk. For transition risk, a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 203.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">data-driven approach is developed to reflect the increase in the carbon price and therefore energy costs. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 215.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The analysis focuses on (i) energy performance certificate (EPC) level for mortgages and corporates secured <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 227.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by real estate and (ii) NACE sector level for corporates not secured by real estate. For market risk, both the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 239.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">banking and trading book are included. Other risks are covered as well, among others non-financial risk, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 251.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">issuance risk, business risk, and model risk. The climate stress test shows a manageable impact on ING from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 263.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a financial perspective in the short-term as sufficient contingency measures are available to mitigate the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 275.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impact. The contractual maturity of ING&#8217;s financial assets including loans to business customers (Wholesale <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 287.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Banking and Business Banking) is mostly short-term, except for loans to customers covered by immovable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 299.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">property (Retail Banking residential mortgages). We have not analysed the potential impact for the medium <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 311.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and long-term on ING&#8217;s capital position in ING&#8217;s climate stress test.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 338.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, ING has developed the climate risk stress testing global procedure for ICAAP purposes to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 350.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">formally integrate climate risk stress testing within the ING Group ICAAP stress-testing framework. Within <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">this document, guidance is provided on the minimum standards that need to be applied when climate risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">stress tests are developed, implemented, and executed. With these minimum standards, the ING Group <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 386.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">stress test framework has been extended with explicit requirements for ESG risk analyses. The document <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 398.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">currently focuses on physical risk and transition risk as these can be properly quantified within stress <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 410.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">testing. We aim to include other ESG risks later, and the same applies for the reflection of regulatory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 422.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirements as this topic is still evolving<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 451.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk monitoring<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ESG risk information is reported on a periodic (at minimum annual) basis, to measure and monitor risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 482.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exposure against the risk appetite and tolerance. Climate risk appetite is distributed on a monthly basis to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the MBB and senior management and reported quarterly via the management report to the GCTP. Physical <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and transition risk results are reported semi-annually in ING Group&#8217;s additional pillar III report. The ESG risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">dashboard is reported to the MBB semi-annually.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Managing ESG risk in practice<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s ESR framework helps us make informed choices about how, where and who we do business with. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2023, the ESR framework was updated to reflect several (minor) amendments following the last <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">comprehensive review that took place in June 2021. Among the updates are a clarification on the self-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">declaration approach used for Business Banking and a new restriction on dedicated upstream oil and gas <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financing. The next comprehensive review of the ESR framework will take place in 2024. For more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 143.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">information about ESR at ING, please refer to our corporate website.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 170.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The ESR framework includes standards and best practice guidance for ESR-sensitive sectors. It includes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 182.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">explicit restrictions on activities not in line with ING&#8217;s values and harmful to people and/or the environment, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 194.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which we do not want to finance.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 221.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The way the ESR framework is applied in practice differs per product type and segment. The most significant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 233.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">potential environmental and social impacts come from large corporates within our Wholesale Banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 245.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">segment. However, mid-corporate clients and small and medium sized companies (referred to as the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 257.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Business Banking segment) undergo a (basic) screening process too. Lastly, the ESR framework minimum <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 269.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requirements are also included in ING&#8217;s procurement policy and apply to the screening of suppliers of ING&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 281.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">global procurement activities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 308.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The ESR framework is incorporated in ING&#8217;s KYC policy framework, meaning that the ESR client assessment is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 320.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">part of the regular client on-boarding and review process. Next to that, the ESR framework prescribes a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 332.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">dedicated ESR transaction assessment for corporate clients that helps us identify the level of risk. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 344.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">combination of the ESR client and ESR transactional assessments provide us with the total ESR outcome. If <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 356.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the total ESR outcome is high risk, the transaction requires an ESR assessment and advice from the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 368.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">dedicated ESR team.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">While we have a robust ESR framework and made progress in enhancing the automation of the checks and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">controls in the ESR assessment processes, we acknowledge that we need to improve our processes around <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the ESR Framework and its implementation. We see room for improvement to further ensure adequacy and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">completeness of data necessary to steer, manage, evidence, and monitor these risks at the level of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 443.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">granularity needed.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Of all WB engagements in scope of the ESR framework in 2023, 84 percent were considered ESR low-risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 482.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(2022: 84 percent), 6 percent ESR medium-risk (2022: 7 percent) and 10 percent ESR high-risk (2022: 9 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">percent). ESR high-risk cases require specialized advice from the global ESR team. Beyond these high-risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cases, the ESR-team is also consulted on other types of engagements, such as trade-related requests, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">medium-risk transactions and inquiries from the KYC department about the ESR client assessment. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 530.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Depending on the nature of the request, the ESR-team provides an advice on these cases too. The ESR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 542.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">advice assesses the specific product offered and environmental and social impacts associated with it, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 554.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sector, operating context and geography of the engagement and other relevant factors. Based on this in-<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">214<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">depth research, an advice is given. The ESR advice is binding (on its conditions or its negative conclusion) to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the relevant approval mandate holder for the underlying credit risk. If the applicable mandate holder <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">disagrees with the ESR advice, it can be escalated to the Global Credit Committee (GCC) for a final decision. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The GCC is the only body that can overrule the ESR advice. Of the 371 ESR advices given in 2023, 50 percent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">were positive, 34 percent positive subject to conditions and 16 percent negative. Conditions included in an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ESR advice could play an important role in helping clients improve their environmental and social <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">performance and transitioning and ensuring their continued compliance with our ESR policy. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The ESR team mainly focuses on Wholesale Banking transaction advice, including (support for) engagement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">around ESR with clients, in some specific cases. In 2023, ESR visited several projects around the world as part <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the due diligence and engagement process. In addition, the team works on a continuous improvement of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the ESR framework, to cater for developments in the environmental and social space. ESR acts as a sparring <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and training partner for multiple internal teams, such as risk, front-office, KYC, and other teams, so that ESR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">knowledge is improved and spread.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">215<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_148"></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Non-financial risk<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 102.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Introduction<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Non-financial risk (NFR) is defined as the risk of financial loss, legal or regulatory sanctions, or reputational <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">damage due to inadequate or failing internal processes, people and systems, a failure to comply with laws, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulations and standards, or external events.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 177.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Governance<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 196.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The global head of NFR is responsible for developing the framework of NFR policies and standards within ING, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 208.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and for monitoring the quality of non-financial risk management in the ING entities. In addition to the global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 220.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">steering provided through the framework, the bank&#8217;s Non-Financial Risk Committee (NFRC), chaired by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Group chief risk officer, is the highest level of the non-financial risk committees within ING, and is mandated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by the MBB to opine on and approve non-financial risk matters, to monitor or verify whether appropriate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">action is taken by responsible management, and endorse the non-financial risk appetite.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 285.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Non-financial risk management <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 317.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Risk categories<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING categorises non-financial risks in the following areas:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 352.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Compliance risk is the risk of ING's integrity being impaired, which can result in reputational damage, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 365.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">legal or regulatory sanctions, or financial loss, due to a failure (or perceived failure) to comply with <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 378.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">applicable laws, regulations and standards. See more in 'Compliance risk'. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 390.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Information (technology) risk is the risk of financial loss, regulatory sanctions or reputational damage <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">due to breaches of confidentiality, integrity or availability of information or a lack of information quality <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 416.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">within business processes and/or the supporting IT systems.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 429.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Continuity risk is the risk of financial loss, regulatory sanctions or reputational damage due to business <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">disruptions (loss of people, processes, systems, data, premises).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 454.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Control risk is the risks of financial loss, regulatory sanctions or reputational damage due to ineffective <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 467.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">organisational structures and governance procedures (including unclear roles and responsibilities and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">inadequate reporting structure).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 493.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Processing risk is the risk of financial loss, regulatory sanctions or reputational damage due to failed <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">(transaction) processing (input, execution, output) or failing process management.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 518.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Unauthorised activity risk is the risk of financial loss, regulatory sanctions or reputational damage due to <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">employees performing outside the normal course of their business, intentionally giving unauthorised <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 544.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">approvals or overstepping their authority.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Personal and physical security risk is the risk of financial loss, regulatory sanctions or reputational <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">damage due to criminal and environmental threats that might endanger the security or safety of ING <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">personnel at work, people in ING locations, ING assets or assets entrusted to ING, people at ING event <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">locations, or might have an impact on ING organisation's confidentiality, integrity or availability.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Employment practice risk is the risk of financial loss, regulatory sanctions or reputational damage due to <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 128.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">acts that are inconsistent with employment, health and/or safety laws, regulations or agreements, from <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">payment of personal injury claims, or from diversity/discrimination events.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 154.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Sourcing risk is the risk of financial loss, regulatory sanctions and/or reputational damage resulting from <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">sourced activities (both IT and non-IT, including intra-group sourcing) not staying within ING&#8217;s risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 180.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">appetite and not being executed as agreed (with captives or partners), including non-compliance with <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 192.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">internal or external regulations.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 205.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Fraud is the deliberate abuse of procedures, systems, assets, data, products and/or services of ING by <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">those who intend to deceitfully or unlawfully benefit themselves and/or others. This definition of fraud is <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 231.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">specified in the following two categories of fraud:<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Internal fraud: acts of fraud that involve at least one internal party performed by or in collusion with an ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">employee or agent with the consequence of financial loss, regulatory fines, litigation loss, business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 283.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">disruption and/or reputational damage for ING.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">External fraud: acts of fraud or scams by individuals and/or parties excluding ING staff (including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contractors), with the consequence of financial loss, regulatory fines, litigation loss, business disruption and/<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">or reputational damage for ING.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 363.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Measurement approach<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 377.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING uses an internal model in line with the advanced measurement approach (AMA) to determine the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory and economic capital amounts necessary to cover potential losses resulting from non-financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risks. This model calculates the non-financial risk exposure by combining a forward-looking and a backward-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">looking view on non-financial risk events. ING reports the outcome of its AMA model quarterly. The CRR3 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulation (relating to new EU banking rules from the European Commission),&#160; set to come into force in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 439.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">January 2025, will usher in the Standardized Approach, replacing the current AMA model. As it prepares to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">implement this non-model-based formula to calculate regulatory operational risk capital, ING is re-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">designing the internal model it uses for economic capital and stress testing purposes (Pillar II).&#160;  <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 493.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Main developments in 2023<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 527.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Personal and physical security<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 542.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The war in Ukraine continues to have a fundamental impact on the lives of our colleagues and their families, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 554.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and the way in which we conduct our Ukrainian operations. Yet the impact of the war on ING&#8217;s non-financial <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">216<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk profile and on operational event losses continues to be limited, thanks to an extensive set of mitigating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">measures ING has taken since the start of the war.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In T&#252;rkiye, the earthquake in February 2023 had a major impact on the nearly 600 ING employees and their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">families working and living in the affected area, especially in and around Kahramanmara&#351;. Tragically, five <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">employees lost their lives in the disaster and four were injured. One local branch was destroyed and three <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">seriously damaged. The operational centre was spared, and has served as a shelter for those employees <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and their families left homeless. The swift and coordinated response by local staff and our head office in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Istanbul focused primarily on supplying aid for the local ING community, but also on retrieving assets from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the affected branches. Despite serious disruption to local processes due to damaged infrastructure, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impact to the non-financial risk profile remained limited.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Political and social developments in many societies around the globe have led to further polarisation and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">protests against governmental and public institutions, impacting the security risk profile of ING Bank and its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">employees. Various environmental activist groups, e.g. Extinction Rebellion, have protested at ING Bank <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">head office buildings and local branches in the Netherlands, calling on ING to stop financing the fossil-fuel <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sector. To keep employees and clients safe, and ensure the continuation of business processes, security <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">controls at ING locations around the world are frequently assessed.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 303.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cybercrime and fraud <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 318.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The further digitalisation of banking services, increasing electronic exchange of information via different <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 332.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consumer channels, use of and dependency on third-party vendors for services, and the implementation of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 344.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">PSD2 present ongoing cybercrime resilience, fraud management, and IT-security challenges for companies <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 356.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in general, and financial institutions in particular. Both the frequency and the intensity of attacks continue <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 368.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to increase on a global scale. They are becoming more sophisticated too, with the use of artificial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 380.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">intelligence, and the implications of ransomware attacks are a concern in the threat landscape. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The continuous enhancement of the control environment to protect from, and detect and respond to, e-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">banking fraud, distributed denial-of-service (DDoS), targeted attacks, and more specific ransomware attacks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">is of ING's highest priority. Based on regular scenario analysis done in ING&#8217;s first line of defence, additional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 443.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">tools and controls continue to be embedded in the organisation, as part of the overall internal control <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 455.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">framework, and we are continuously reassessing these against existing and new threats, as well as the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 467.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">changing modus operandi.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The introduction of new products and evolving threats against those services, combined with developing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">technologies such as generative AI and deep fake, are continuously presenting short- and medium term <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fraud management challenges. Cybercriminals are becoming more resourceful in targeting financial and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 530.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sensitive (payment/personal) data, such as customer user credentials outside the traditional banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">environment. For example, criminals can obtain sensitive payment or personal data via social forums such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as WhatsApp, dark web shops, by screen scraping user credentials, or through third-party data breaches.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, these challenges increased, with more sophisticated phishing attempts, improved social-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">engineering fraud attempts, and high volumes of scams through so-called authorised push-payment frauds. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This increase in scams is a major concern for financial institutions, with often devastating consequences for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customers. While financial institutions have limited means to prevent such authorised transactions, it is a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">priority to help prevent this type of fraud.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">With legislation such as EBA PSD2, which requires payment service providers to establish a framework with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">appropriate mitigation measures and control mechanisms, and the continuing emphasis on duty of care, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial institutions are becoming increasingly responsible for losses incurred by clients. Institutions are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">also taking on more of the burden of reclaiming these losses. Developments as seen in the UK by regulatory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">changes as well as the upcoming PSD3 requirements, which amends and modernises PSD2, will impact <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">banks more significantly in this area, dramatically increasing banks&#8217; exposure. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, economic pressures in many of ING&#8217;s operating countries could be a factor in pushing customers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">into fraudulent activity. We notice attempts, impact, and ING's increasing fraud losses in credit facilities, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">often carried out with forged documentation. ING continues to strengthen its fraud resilience by partnering <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with peers in the financial industry, as well as law-enforcement authorities and governments. We believe a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">collaborative approach with other industries is the only way to tackle fraud effectively. ING&#8217;s global fraud <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management team brings together skilled fraud-management experts from various domains, and is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">responsible for making sure that ING's business and fraud strategy remains aligned on fraud threats, market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">best practices, applicable law and legislation, risk appetite and operational targets.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 378.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Data risk management<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 397.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Data, whether customer, financial, risk or other business &#8211; is core to ING&#8217;s purpose. Data leads to insights <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 409.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and insights empower people to stay a step ahead in life, and in business. In 2023, ING&#8217;s Data Management <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 421.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">team worked to speed up how quickly we execute our data strategy, to ensure data quality, keep data safe <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 433.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and secure, improve our data literacy, and simplify our data functions. This should enable and support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 445.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">steering to right actions regarding data, including personal data protection, data security, data quality and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 457.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">data ethics. Addressing emerging risks such as AI, most specifically generative AI, and societal concerns <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">around the ethical handling of customer data, are top priorities for ING. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 498.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Identity and access management (IAM) <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">IAM remains one of the focus areas of ING. It&#8217;s an important element in our control framework for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">preventing and mitigating the risk of unauthorised access to IT systems, and the data processed and stored <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in these systems. This is done by enforcing IAM global processes and controls, which are periodically <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 552.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reviewed and tested. These processes and controls are supported by technologies, tooling, and practices <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">217<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">managed by a dedicated IAM team in the Chief Information Security Office (CISO). The team focuses on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">identifying improvements to address developments both inside and outside ING. In 2023, ING continued the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">activities to improve in this area, with specific attention given to the further implementation of supporting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">tooling, the standardisation and harmonisation of processes and workflows, and automation of IAM <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">controls. In 2023, ING identified areas for improvements, with specific attention given to the further <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">implementation of supporting tooling, the standardisation and harmonisation of processes and workflows, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and automation of IAM controls.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 165.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Operational resilience<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Providing safe, secure and seamless services is at the heart of ING's strategy. Preventing disruptions and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 196.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ensuring a quick recovery from disruptions is an important element of that. In 2023, ING made further <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 208.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">progress with implementing its operational resilience framework. As part of this implementation, we are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 220.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">mapping processes underlying our most critical business services. This includes the facilities, people, third- <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and intragroup parties, data and technology that support those processes. These processes are then tested <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">against severe but plausible scenarios in an effort to identify weaknesses. This helps ING identify <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">opportunities to enhance its operational resilience. In addition, ING has started with the implementation of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 268.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Digital Operational Resilience Act (DORA), which aims to further strengthen the digital operational <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 280.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">resilience of financial institutions.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 188.45pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">218<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_151"></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Compliance risk<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 102.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Introduction <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Compliance risk is defined as a threat posed to ING&#8217;s standing resulting from failure to act in line with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">applicable laws and regulations, internal rules (including ING&#8217;s Orange Code and global Code of Conduct), <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and/or societal expectations that apply to the bank's services and activities. A failure to adequately mitigate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">compliance risk may lead to damage to ING&#8217;s reputation and/or legal/regulatory sanctions and/or financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The mission of Compliance is to support ING in conducting its business activities in line with applicable laws <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and regulations, taking into account ING&#8217;s internal code of conduct and societal expectations. Compliance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">wants to drive compliance risk management by desire and design throughout the organisation, unleashing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the power of our data, risk expertise, and ING's workforce to keep the bank safe and sound, and help drive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">new and sustainable ways of doing business.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Within ING, compliance risks are defined as those risks that are within the scope of the ING Compliance Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Catalogue. The following risk categories apply: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Financial crime risk refers to the risks of the bank&#8217;s products and services being abused for illicit purpose <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 311.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">generating or disguising financial and/or economic crimes (FEC).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 324.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Conduct risk refers to the compliance risks arising from potential or perceived misconduct by ING or its <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">employees towards its customers, market integrity, business partners, employees, and other <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 350.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">stakeholders including society at large.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 362.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Organisational risk refers to the compliance risks arising from actual, potential or perceived flaws in the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">way that ING is organised and structured including its regulatory and reporting framework.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 388.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Data protection (personal data protection, data retention) risk refers to the personal data protection risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 401.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">of financial loss, (regulatory fines, reputational damage) due to not protecting the personal data rights of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">individuals as required, and as to data retention risk, to having the records being destroyed too soon or <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">retained too long.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ESG-related compliance risks have been added as a new risk driver in the compliance risk catalogue. This is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">taking place in close collaboration with internal stakeholders to make sure that roles and responsibilities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with regard to identifying, assessing, managing, and overseeing these risks are in line with ING's <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">organisation globally.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 513.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Governance<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 536.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Compliance organisation is part of ING&#8217;s second line of defence, where Group Compliance sets the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 548.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">methodologies and minimum standards for the bank. Compliance for the business lines Wholesale Banking, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and Retail Banking / Rest of World together with Compliance in the Market Leaders countries and functional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">lines in the countries along with relevant stakeholders from the first line of defence are responsible for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">execution of these standards, within the risk appetite set. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Compliance is tasked with instructing, advising, challenging and overseeing the first line of defence in how <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">they manage risks that are within the scope of the ING Compliance Risk Catalogue. Compliance also has an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">active role in raising awareness (via training and communication), influencing and stimulating a sound <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compliance risk culture. The risks in scope of the Compliance Risk Catalogue are outlined in the ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Compliance Charter.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Compliance is headed by the chief compliance officer (CCO), who reports directly to the CRO. The CCO has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">direct access to the Risk Committee of the Supervisory Board. The CCO and the chairperson of the Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Committee had regular bilateral consultations in 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 244.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">OneCompliance strategy<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 267.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As a global bank in a fast-changing world we want to do the right thing to be safe, secure and compliant for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 279.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our customers and for society. We achieve this by living up to our OneCompliance strategy.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 306.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The OneCompliance strategy is a multi-year, global compliance strategy based on the Compliance Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 318.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Management Cycle, a framework that aims to help ING manage compliance risks consistently across the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 330.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">organisation. In 2023, we further strengthened the operations of the Compliance Risk Management Cycle. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 342.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This resulted in improved processes around risk coverage and controls. At the same time in intuitive, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 354.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">actionable and insightful management information with a global dashboard in place to take smart decisions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 366.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and keep oversight on both steering within risk appetite and on our global direction. As we operate in a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 378.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">dynamic and challenging environment, we are continuously learning and improving while reaching a more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sustainable and mature level within the Compliance function.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 420.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Know your customer (KYC) <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 443.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Know your customer and financial crime compliance continue to play a major role in making sure we only <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 455.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">engage and do business with people and entities that meet regulatory requirements. Knowing who we do <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 467.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business with is vital to keeping ING safe, secure, and compliant. As part of our ongoing anti-money <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 479.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">laundering efforts, we continuously assess relationships with customers, and monitor and screen <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 491.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transactions. It is our policy to review potentially unusual transactions and suspicious transactions and, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 503.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">where applicable, report these to the relevant authorities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 530.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We are continuously working to further strengthen the KYC processes across the bank as and where <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 542.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">required. This includes enhancing customer due diligence files and making structural improvements in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 554.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">frameworks, processes, and systems.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">219<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Global approach <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING takes a global approach in its KYC improvement activities. In 2023, we continued substituting local <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">technology with global technologies, completing the migration of transaction monitoring to the Global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Transaction Monitoring tooling and taking further steps in enhancing use of the global screening application. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We made further progress in migrating or moving KYC-related activities from local processing units to our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">dedicated operational hubs, which offer dedicated expertise and processing capabilities. In 2023, we further <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 143.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">defined and refined the global way of working for the Customer Due Diligence (CDD), which enhances <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 155.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">effectiveness and efficiency, and aim to implement this in all processing hubs and other ING locations.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">KYC policy framework <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The KYC policy and related control standards (the KYC policy framework) set the minimum requirements <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and control objectives for all ING entities to guard against involvement in financial crime activity. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">framework reflects relevant national and international laws, regulations, guidance documents, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">guidelines from national, European and international authorities, (supra)national risk assessments, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">industry standards. The framework is updated regularly with subsequent implementations at global scale.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 279.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Knowledge and behaviour<span style="display: inline-block; height: 9pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 182.92pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">&#160; </span><span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">We believe all our people play a role in protecting our customers, the bank, and society against financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">crime and fraud. A sound risk culture requires us to act with integrity above all. We want to empower our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">workforce with the skills and knowledge they need to fight financial crime, and encourage them to speak up <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">if they have concerns around managing financial crime risk.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As in previous years, we ran our (mandatory) training programme for KYC staff. This included continuing our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 373.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">partnership with the Association of Certified Anti-Money Laundering Specialists (ACAMS), to develop and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 385.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">provide tailored, certified training. The ACAMS training portfolio focuses on learning paths that provide <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 397.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">professional foundational skills or advanced expertise in a range of topics, including customer due diligence, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 409.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">screening, transaction monitoring, and sanctions. New joiners at ING KYC departments complete a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 421.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">combination of ACAMS and ING internal courses aimed at ensuring their knowledge and skills are up to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 433.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">scratch. We updated our internal training programme following a yearly learning need analysis. In 2023, we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 445.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">included product-specific courses on top of the training focusing on strengthening the risk-management <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 457.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">mindset. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 487.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial crime risk<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 509.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial crime risk management aims to ensure that new and relevant financial crime trends and insights <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 521.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as well as regulatory requirements are identified, tracked and actioned in a timely manner. In terms of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 533.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">governance, the bank's NFRC, chaired by ING&#8217;s CRO, is the principal risk management forum where among <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 545.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">others, financial crime risks are discussed. This committee reviews and escalates, where appropriate, key <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial crime topics, threats and risks across ING to the Executive Board and Management Board Banking. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">On KYC, the Global KYC Committee, chaired by ING's COO, is mandated by the MBB to steer, prioritise and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">approve KYC-related topics undertaken across ING, and to oversee compliance with the relevant laws and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulations and internal rules related to KYC. The day-to-day responsibility for the oversight of ING&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compliance with our legal and regulatory obligations, in relation to financial crime risks, sits with the global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">head of Financial Crime Compliance. This global head reports to ING&#8217;s chief compliance officer, with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">oversight by the CRO. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We believe all our people have a key role to play in the fight against financial crime. Having a robust and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sound risk culture embedded in our day-to-day way of working is a foundational element of our financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">crime risk control environment. We define the accountabilities and responsibilities of our workforce in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">accordance with the three-lines-of-defence model, considering our business, geographical and functional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">structure.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As an organisation, we&#8217;re committed to meeting our legal and regulatory requirements and the standards <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">we also expect from ourselves. ING remains subject to (regulatory) investigations and scrutiny in certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">jurisdictions, and we&#8217;re committed to executing and implementing the identified enhancements required in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our wider Enhancement Programme (EP) and our financial crime risk framework in a sustainable way for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">longer-term.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 315.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Key risk management processes&#160; <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING strives to play its part in contributing to the safeguarding of the financial system against illicit financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">activity, in the context of heightened and changing regulatory expectations, and as financial crime risks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">continue to evolve. To live up to our role as a global financial institution in combatting financial crime, we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">believe it is essential to comply with anti-money laundering and counter-terrorism financing (AML/CTF) laws <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and regulations, establish a reasonable and risk-based control framework to mitigate financial crime risk, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and to seek to provide useful information to relevant government agencies. We also believe it is important <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to respond swiftly and proactively to new financial crime threats and techniques as well as relevant media <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reporting.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 445.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">To mitigate financial crime risks, we apply a framework of preventative and detective systems and controls, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 457.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">underpinned by policy, procedures and related control standards across our global business in all locations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">where we operate. In 2023, we remained focused on maturing our Financial Economic Crime Controls in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 481.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">context of the Enhancement Programme (EP) by continuing to strengthen our financial crime risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management framework and supporting sustainable remediation of known issues. At the same time, we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">acknowledged that the continuous maturing of the financial crime risk management framework, as well as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">other developments such as regulatory and legislative changes, continued to require our attention and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">commitment as the bank focused on operational effectiveness (OE). Through robust oversight and challenge <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as the second line of defence, it is our goal to ensure that OE is demonstrably sustainable.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">220<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In line with ING&#8217;s ambition to have a more data-driven, dynamic, and forward-looking systematic integrity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk analysis (SIRA), in 2023 the SIRA introduced enhancements to the existing process and piloted a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">proposed methodology. This will contribute to further enhanced insights into the financial crime integrity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risks ING may be exposed to. These developments improve the risk identification, reporting quality, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management of these risks in accordance with our risk appetite across our global footprint. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 141.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Bribery and corruption&#160; <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 169.97pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Bribery and corruption undermine business confidence and corporate integrity, hinders fair business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">competition, and harms international trade. ING takes these risks seriously: bribery and corruption risks are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">part of our non-financial risk framework and are in the design of our client and third-party due diligence, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 196.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and monitoring measures in our financial crime risk management framework. We have continued to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 208.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">strengthen our ability to respond to bribery and corruption risks in key areas as part of our multi-year <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 220.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">maturity programme. This supports our zero-tolerance approach to bribery and corruption, meeting the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">governance elements of our sustainability objectives. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 261.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Customer tax compliance&#160; <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 279.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Compliance with customer tax-related regulations and reporting, obligations, under the Foreign Account Tax <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 291.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Compliance Act (FATCA), the Common Reporting Standard (CRS), and Mandatory Disclosure Rules, aims to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ensure that ING is not involved in facilitating tax-related financial crime, such as tax evasion or aggressive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">tax-avoidance schemes, on behalf of its customers. These obligations and customer tax integrity are of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">utmost importance to ING. In 2023, we continued to mature its control framework and to improve the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">quality of our reporting to tax authorities. We also remain proactive to legislative developments and aim at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">timely preparation for new reporting obligations, such as those introduced by the 2024 Central Electronic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">System of Payment Information (CESOP) regulation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 392.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Sanctions <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Russia&#8217;s invasion of Ukraine in 2022 fundamentally changed the global political landscape. It sparked a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">worldwide response, with significant sanctions packages imposed against Russia and Belarus. In 2023, global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sanctions regimes have been increasingly active, creating a complex regulatory and legislative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">environment. And an intensive focus on sanctions worldwide is expected to continue in coming years. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">has also led to an increasing focus of the EU, US, and other governments on the potential circumvention of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sanctions against Russia, and the roles of third countries and companies in facilitating any circumvention or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">undermining the sanctions&#8217; measures. Within the EU, there has been particular focus on the risk that some <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">EU-based businesses may be seeking to circumvent sanctions by exporting illicit goods, such as computer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">products and electronics, to Russia via third countries. This has prompted a concerted effort by governments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to impose pressure on companies operating in these jurisdictions, and to stop the sanctions measures from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">being sidestepped by targeted Russian parties. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The proliferation of sanctions has contributed to increased efforts in ensuring ING&#8217;s control framework <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remains robust to mitigate against the bank&#8217;s sanctions risks. This has included applying greater scrutiny to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transactions alerted for heightened risk of non-compliance with applicable sanctions, as well as efforts <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">aimed at ensuring employees and customers are aware of the sanctions and potential circumvention risks. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Leveraging intelligence and internal data, work has also been completed to better understand the risks <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">associated with the export of illicit goods from the EU to Russia via third countries, and ING&#8217;s potential <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">exposure to the threat scenario.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s policy generally prohibits relationships or transactions involving sanctioned persons and entities or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">comprehensively sanctioned countries, territories and their governments. It sometimes also means that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s risk appetite may be stricter than legal obligations, and we may choose not to support certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customer relationships, business activities and transactions even if permitted by law. As a result of frequent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">evaluation of the business from economic, strategic and risk-based perspectives, ING, with limited exception, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">does not engage in business involving certain countries, including Cuba, Iran, North Korea, Sudan, Syria and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the Crimea region. ING has a policy not to enter into new relationships with clients from these countries and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">processes are in place to discontinue existing relationships involving these countries.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 276.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Evolving financial crime landscape&#160; <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 295.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial crime continues to evolve, whether through technology, new and sophisticated techniques used <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">by serious and organised criminals, or the results of geopolitical events. The pandemic and associated social <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">changes drove the unprecedented expansion of online and digital services. This in turn has prompted a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">surge in technological developments and cyber-enabled financial crime. This widespread digitalisation of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the economy and artificial intelligence (AI) is leading to a reshaping of previously fixed ideas about methods <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">used to launder and finance terrorism. Criminal groups have been quick to adopt and misuse new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">technologies, and are already harnessing the power of machine learning, AI, and anonymity-enhancing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">technologies, such as virtual currencies and mixers, to commit criminal activities. Such developments also <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">enable criminal networks to become more agile, geographically interconnected and cohesive, using the new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">tools and techniques to circumvent enhanced AML frameworks. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING takes these threats seriously and believes in responding proactively to such developments. We invest in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">new and innovative technological capabilities, and continue to enhance our cooperation with law-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">enforcement agencies, industry bodies and regulators, and to develop intelligence and data-led <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">collaborative solutions to detect and disrupt financial crime. In this context, this may at times include <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sharing information within ING to manage our financial crime risk exposure, in line with General Data <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Protection Regulation requirements and local privacy laws and regulations. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 519.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Crimes against society&#160; <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 537.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Society&#8217;s expectations with regard to financial institutions' accountability for safeguarding the integrity of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 549.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the financial system have also created an increasingly demanding environment. ING recognises that <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">221<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial crimes have an adverse impact on individuals, communities, and the environment where they <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">occur. We are committed to conducting our global activities with integrity, and in line with our ethical and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">social responsibilities. Geopolitical events and economic instability have contributed to rising inflation and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the cost-of-living crisis, leaving individuals and businesses vulnerable to criminal exploitation, such as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">trafficking and corruption.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Labour and sexual exploitation remain the most common forms of human trafficking globally, and recent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">geopolitical events will also have an impact on the nature and scale of the human trafficking threat. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">humanitarian crisis caused by Russia&#8217;s war in Ukraine has led to increased numbers of women with children <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">being trafficked. Mostly refugees, they are at higher risk of exploitation. Looking ahead, it is possible that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">existing and future global events will lead to the migration of even more people. In 2023, knowledge on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial crime risks posed to financial institutions by illegal migration and adult sexual exploitation were <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shared across ING through the KYC Academy&#8217;s online learning channel. ING is also participating in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">human trafficking working group being run by Europol&#8217;s Financial Intelligence Public Private Partnership. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Environmental crime is among the most profitable criminal enterprises and covers a wide range of unlawful <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">activities, including the illegal wildlife trade, the illegal extraction and trade of forestry and natural <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">resources, illegal waste and illegal fisheries crime. As well as interface with other crime types, including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">corruption, trade-based fraud and human trafficking, there is also a convergence between environmental <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">crime and ESG. In 2023, ING continued with our membership of the United for Wildlife Financial Taskforce, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and with the United Nations working group on forestry crime, working with private, public and third sector <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">partners to detect illegal crimes in the wildlife and forestry trade. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 351.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">EU AML/CFT legislative package&#160; <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In mid-2021, the European Commission (EC) adopted a package of legislative proposals aimed at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">strengthening anti-money laundering (AML) and counter-terrorism financing (CTF) rules. Although the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">proposals are yet to be finalised, ING welcomes this harmonisation, which removes a degree of regulatory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">complexity. ING has actively participated in workstreams and analyses prepared by banking associations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">such as the Dutch Banking Association (NVB) and the European Banking Federations to assist us in assessing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the potential impact of the AML legislative package on the bank.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 457.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In September 2022, the Dutch Central Bank (DNB) published its report &#8216;From Recovery to Balance&#8217; on the use <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of risk-based approaches. Since then, ING has actively participated in roundtable workshops organised by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 481.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the NVB, which resulted in the creation of multiple &#8216;Industry Baselines&#8217; on topics such as enhanced due <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">diligence (EDD) measures for European Commission (EC) high-risk third countries, and ongoing due diligence <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on certain customer types. ING is in favour of these new baselines. They are a necessary step towards <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fighting financial crime through the enhanced application of a risk-based approach (RBA): focusing efforts <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on higher risks, while remaining within the boundaries of the applicable laws and regulations.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Public-private partnerships <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 83.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">To continue to be more effective in our effort to counter financial economic crime, we work closely with our <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 95.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">peers, regulators and law enforcement. This collaboration is of importance to ING. It is most visible through <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">our involvement in public private partnerships (PPPs) in our major markets, but also at an international level <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; through our Group-level participation in networks such as Europol&#8217;s Financial Intelligence Public Private <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 131.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Partnership. We recognise that our controls and risk management frameworks benefit from having a direct <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 143.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">dialogue with public partners as well as complementing our understanding of relevant and evolving financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 155.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">crime threats and risks. Sharing and applying these insights across the organisation helps us move beyond <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">technical compliance and enhances our ability to meet regulatory obligations and protect our customers.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 194.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, ING in the Netherlands continued working with the Financial Expertise Center and Fintell Alliance, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 206.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">consisting of Dutch government agencies and three peer banks. Focused on priorities set there, we also <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">continued our involvement in Transaction Monitoring Netherlands (TMNL), where a consortium of Dutch <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 230.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">banks work on developing combined transaction monitoring. Both initiatives increase our understanding of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 242.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">potential criminal modus operandi and money flows. Based on these insights, we can work more efficiently <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 254.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and enhance our control framework. ING continues to be a part of the Anti-Financial Crime Alliance in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 266.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Germany.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 296.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Conduct compliance and ethics<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Conduct compliance is the compliance risk that covers risks arising from potential or perceived misconduct <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">by ING or its employees towards its customers, market integrity, business partners, employees, and other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">stakeholders. It includes customer protection and transparency (treating customers fairly), market conduct <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(including market manipulation), anti-competitive conduct, conflicts of interest and ethics. Ethics risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">includes the Orange Code, Global Code of Conduct, as well as our whistleblower framework.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 396.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Treating customers fairly <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As part of a further movement to align the global management of unfair customer treatment risk &#8211; already <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">aligned for the Markets in Financial Instruments Directive (MiFID) and the Insurance Distribution Directive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(IDD) products and based on local implementation for other products &#8211; we have launched an important <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">enhancement by creating the customer centricity policy (CCP), which was approved in July 2023. By setting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">globally aligned standards based on the ING-aligned view on customer centricity, keeping the Orange Code <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and Global Code of Conduct in mind, we now have standard global norms and risk management across all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">jurisdictions, client segments and products. The level of customer protection is determined on the level of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">client sophistication and related risks, with the highest level of protection for retail customers. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 525.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We aim to implement in 2024, when the global standards are tested against local legal requirements. We <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 537.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">anticipate, despite the standardisation, significant local differences in implementation due to the absence of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 549.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EU-wide aligned standards for some products, such as retail mortgages, while there will be more alignment <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">222<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in others, like financial instruments due to the MiFID. The changes also allow further simplification of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">governance with the client protection and product approval committee (CPAC) now expanding its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">responsibilities across all aspects of investments services, including advice/suitability.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Alongside the internally focused changes, the Sustainable Finance Disclosure Regulation (SFDR) has been <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fully implemented. Further preparation is being done for activities relating to the EU retail investment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">strategy as proposed by the EC, through which feedback is being shared to both industry and regulatory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">bodies on, in our view, the best way to achieve the aim of the EC: an increased use of the EU Capital Markets <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by its inhabitants. In addition, the implementation of the changes to the European Market Infrastructure <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Regulation (EMIR) refit are ongoing.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">An important area of focus is the management of compliance-related ESG risks. Greenwashing is a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">significant risk, related to different aspects and potential root causes &#8211; ranging from outings, strategic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">choices, or individual transactions. With the introduction of greenwashing prevention guidelines, based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING standards, external events, as well as regulatory guidance, the organisation is enhancing the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">incorporation of greenwashing risk considerations in the way of doing business. Given that the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">greenwashing definitions and risk management practices, as well as the regulatory framework, is still in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">development we do expect significant changes going forward until market and society expectations are set. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, further effort is made to mature the role of Compliance alongside the other risk domains in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">relation to ESG risk management.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 327.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Market conduct <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Market conduct risk stems from behaviour that can impact market integrity. As part of our work in 2022 to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">strengthen our market conduct framework, global procedures on maintaining information barriers, insider <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">lists and communicating inside information were further improved across ING. In 2023, additional steps <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">have been made towards automating, standardising, and centralising our approach to personal account <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">dealing rules across the group. Furthermore, this year two new e-learnings have been designed on inside <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">information and detecting suspicious orders and transactions, with one already rolled out to targeted <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">employees.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 447.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Conflicts of interest <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING, being a large financial institution, is prone to multiple conflicts of interest, due to overlapping interests <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 477.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of different stakeholders as businesses, employees, customers, shareholders, and society. ING has a policy <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 489.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that aims to help to identify, assess, manage and mitigate or prevent (potential) conflicts of interest. It <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 501.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">maintains a global register of structural conflicts of interest with respective risk assessment and mitigating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 513.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">measures in place.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 542.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Anti-competitive conduct <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Competition law impacts all areas of ING's business. It is ING's policy to adhere to laws and regulations that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">promote the functioning of markets and fair competition. In 2023, we revised the competition policy, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">including related framework documents. It is aligned with the EBA guidelines on internal governance, setting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">out principles on acceptable and unacceptable behaviours linked, in particular, to anti-trust practices. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">updated policy will come into effect in 2024. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 755.12pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 141.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Whistleblower <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Further enhancements and standardisation to the whistleblower process are being made with the aim of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">protecting the reporters of concerns, either through protection of identity, and/or by trying to prevent any <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">form of retaliation taking place. A global speak up programme is in place to harmonise the speak up <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 196.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">channels for undesirable behaviour. It aims to support reporters in choosing the appropriate channel, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 208.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ensuring a consistent reporter journey with the same levels of protection. Insights collection across certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 220.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">channels started to provide management anonymised oversight on the concerns raised, as well as&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">measuring follow-up on concerns that are found to be substantiated. If required, we continue to share <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sanitised reports with the organisation to promote employees to speak up.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 274.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Data protection&#160; <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 297.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING is bound by European level and local data protection laws, which can differ from country to country. We <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 309.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">have a group-wide personal data protection policy, which aims to enable a consistent approach to our way <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 321.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of processing personal data. This policy is implemented globally by all ING business entities and support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 333.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">functions. In addition, we have implemented binding corporate rules within ING Group with the aim of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 345.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ensuring appropriate safeguards for our internal data transfers. Our approach can be summarised as `the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 357.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">right people use the right data for the right purpose`. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 386.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Personal data <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 404.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In line with the EU&#8217;s General Data Protection Regulation (GDPR) and other applicable data protection <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 416.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requirements, we aim to process personal data for a specified business purpose in a fair and lawful manner, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 428.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">observing the rights and liberties of data subjects in scope of our activities. We aim to perform data <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 440.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">protection impact assessments (DPIAs) and regular internal audits on the personal data processing that we <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 452.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">do for clients and employees, including ING&#8217;s technologies. Our staff is regularly trained on data protection, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 464.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">both globally and locally, through training and awareness initiatives, for both general and targeted <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 476.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">audiences.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 503.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">We strive to be transparent about what we do with the personal data of customers, employees, suppliers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 515.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and business partners, who we share personal data with and why. Our business entities, support functions, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 527.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as well as third parties that we engage with, must ensure that the data subject is granted a level of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 539.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">protection equivalent to that guaranteed by the GDPR, especially if personal data is transferred outside of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 551.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the European economic area (EEA). Part of the data protection scope is that personal data is managed in a <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">223<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">safe and secure manner, in line with current information security standards. More information can be found <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in the privacy statement on our website (https://www.ing.com/Privacy-Statement.htm). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Data Protection Compliance department <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, we established a new Data Protection Compliance department (DPC) within Group Compliance. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">combined second-line-of defence data protection responsibilities &#8211; previously split between Legal and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Compliance departments &#8211; into one team, leading to a solidified and empowered function. The Bank DPO <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">leads this team, reports to the CCO and has direct management board access. The DPC model is replicated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in ING&#8217;s local entities. The DPC team advises, challenges, and monitors that ING fulfils its GDPR and other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">relevant obligations towards customers, employees, suppliers, and business partners with the aim of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 196.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">keeping and processing (personal) data in a safe, compliant, and ethical manner. In the first line of defence, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 208.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a data protection executive is appointed who is accountable for data protection risk as well as the execution <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 220.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of our data protection policy and standards. This executive has ultimate responsibility for the processing of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">personal data in its ING entity and is supported by a data protection executive office.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 262.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Education<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 285.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, to keep our staff informed and to increase awareness on compliance risks, we provided ING staff <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 297.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">worldwide with mandatory trainings on financial crime, including tax evasion and aggressive tax avoidance, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 309.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">culture and ethics and data protection.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">224<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_154"></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Model risk<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 102.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Introduction<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Model risk is the risk that the financial or reputational position of ING is negatively impacted as a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consequence of the use of models. Model risk can arise from errors in the development, implementation, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">use or interpretation of models, or from incomplete or wrong data etc., leading to inaccurate, non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">compliant or misinterpreted model outputs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">A model is defined as a quantitative method, system, or approach that applies statistical, economic, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial or mathematical theories, techniques and assumptions to process input data into quantitative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">estimates or whose inputs are partially or wholly qualitative or based on expert judgement.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Governance<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 264.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The head of Model Risk Management (MoRM) reports to the ING Group chief risk officer. The Model Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Management Committee (MoRMC) is the dedicated authority within ING for model risk management. It is a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">committee designated by the MBB and is chaired by the ING Group chief risk officer and vice-chaired by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">head of MoRM.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 329.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Model lines of defence<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 348.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s model risk and control structure is based on the three-model-lines-of-defence (MLoD) approach. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 360.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">approach aims to provide a sound governance framework for model risk management by defining and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">implementing three different management layers with distinct roles and oversight responsibilities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The composition and main activities within the three model lines of defence (MLoD):<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 411.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The first MLoD is composed of the model owners, model users, data management and model <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">development, and is accountable for the implementation of model risk controls which encompass model <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 436.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">development, implementation, and use of the models as well as monitoring of models&#8217; performance. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 449.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The second MLoD is composed of model validation and model risk oversight, which owns the model risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">management framework, proposes the model risk appetite, provides challenge to model risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 475.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">identification, and assessment and provides an independent validation of models used within ING.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 487.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The third MLoD is the internal audit, reviewing the quality of model risk management execution in all <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 500.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">lines of defence and providing assurance over the first and second-line model risk management <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 513.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">activities.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 475.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 475.5pt;"/></tr><tr style="height: 362.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 362.25pt; left: 0pt; overflow: hidden; position: var(--position); top: 0pt; width: 475.5pt;"><div><div style="position: var(--position); top: 2.63pt; width: 475.5pt;"><div style="left: 2.63pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g23.jpg" alt="AR2023 Risk MLoD-v2.jpg" style="height: 358.55pt; width: 464.88pt;"/></div></div></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 449.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Model risk appetite (model RAS)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 467.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The model risk appetite is designed to determine the level of model risk ING is willing to accept in pursuit of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 479.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">its strategic objectives. Current model RAS metrics are focused on the most important models for ING: credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 491.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk and other models with elevated supervisory attention. These metrics are reported to the MBB monthly. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">225<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Model risk management (MoRM)<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 87.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The MoRM policy framework comprises the total set of measures and tools put in place to manage model <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 99.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk. To enable setting model risk management standards that are proportionate to a model&#8217;s importance, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 111.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING classifies models based on their materiality and reputational risk. The classification determines the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 123.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">depth and extent of the applied model risk management activities, including model validation. Next to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 135.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">generic MoRM policy framework, dedicated model validation procedures are in place. These set the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 147.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">validation standards for the key model types such as credit, market, liquidity, operational risk, IRRBB, KYC, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 159.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and other model categories. These procedures are continuously being enhanced to keep up to date with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 171.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory, technical developments and industry trends.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 198.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On an aggregated level, model risk is monitored via analysis of data from the global model inventory, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 210.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">collected across the bank to manage ING model's landscape. Insights are reported to the MoRMC and MBB, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 222.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">so senior management can take well-informed decisions on acceptance or further mitigation of model risk. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 251.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Model lifecycle<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 270.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The next figure provides a schematic overview of the model lifecycle, where orange represents the activities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the first MLoD, grey represents the second MLoD and light grey is the third MLoD. The objectives of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 294.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">different processes are outlined below.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 321.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Initiation or change<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 130.12pt; position: var(--position); text-decoration: none; white-space: pre;">: The initiation of the development of a new model or change in an existing model can <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 333.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be triggered by internal or external factors, such as business needs, regulation changes, new technologies, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 345.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and/or model validation findings.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Data collection<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 109.67pt; position: var(--position); text-decoration: none; white-space: pre;"> is the process of defining and collecting data that meets the requirements for model <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 384.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">development. The process includes the definition of the data needed and assessment of data availability <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 396.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and data quality.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Model development<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 131.19pt; position: var(--position); text-decoration: none; white-space: pre;"> is a structured process that leads to a model that is consistent with the model owner <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirements, bank policy and relevant regulation where applicable. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Pre-approval validation <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 150.28pt; position: var(--position); text-decoration: none; white-space: pre;">is an independent assessment to determine whether a newly developed or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">materially changed model is valid for its intended use. The approach to model validation is proportional to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the model risk and potential model risk as reflected in the ING model risk classification.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 513.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The objective of the<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 127.71pt; position: var(--position); text-decoration: none; white-space: pre;"> model approval<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 201.81pt; position: var(--position); text-decoration: none; white-space: pre;"> stage is to ensure models are formally approved by the designated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 525.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">approval authority prior to deployment.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">During the implementation stage, the model is deployed in a production environment, after completion of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">required model testing and corresponding approval. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In the <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 583.27pt; position: var(--position); text-decoration: none; white-space: pre;">model use<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 630.5899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> stage, the model is applied by the users for the specific purpose for which it was designed. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The model may only be used after formal approval.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The objective of model <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 658.75pt; position: var(--position); text-decoration: none; white-space: pre;">monitoring<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 709.74pt; position: var(--position); text-decoration: none; white-space: pre;"> is to determine if the model is performing as expected by regularly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assessing model accuracy and/or predictive ability, considering internal or external developments that may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">influence model performance. Model performance monitoring begins when a model is deployed for use, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">continues until the model has officially been decommissioned.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 205.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Periodic validation<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 640.41pt; position: var(--position); text-decoration: none; white-space: pre;"> independently assesses, on a regular basis, whether a model is still valid for its intended <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 217.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">use, taking into consideration any internal or external changes since the last validation. The frequency of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 229.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">periodic validation depends on the model risk, model type and applicable regulation. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">A model that is/will no longer be used must be <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 764.92pt; position: var(--position); text-decoration: none; white-space: pre;">decommissioned<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 842.55pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 268.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g24.jpg" alt="inventory_reporting.jpg" style="height: 290.68pt; width: 399.69pt;"/></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">226<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_157"></div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Business risk<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 102.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Introduction<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Business risk for ING has been defined as the exposure to value loss due to fluctuations in volumes/margins, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">net fee and commission income, as well as expenses. It is the risk inherent to strategy decisions, internal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">efficiency and the business environment. Business risk economic capital is calculated via the variance-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">covariance methodology for these risks. This covers the risk that volume/margins, net fee and commission <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">income, operating expenses, and regulatory expenses/costs will deviate from the expected expenses and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">incomes over the horizon of the relevant activities. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Governance and risk management <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 237.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING applies an explicit risk appetite statement regarding business risk, focusing on earnings stability and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 249.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">diversification of the business mix. Diversification reduces the risk that volumes and/or margins will suddenly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 261.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">drop due to unexpected changes in the business environment for certain markets and products. In addition, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 273.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the underlying risk types (expense risk, volume-margin risk, net fee and commission income risk, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 285.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory costs) are mitigated and managed differently. Expense risk is monitored and managed via the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 297.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial performance of the bank and the local units. Through this process, the reported expense numbers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 309.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are compared quarterly with the projected cost/income ratio. Deviations from this ambition are monitored <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 321.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as part of the financial projections discussed continuously within different parts of the organisation.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">227<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_160"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Selected Statistical Information on Banking Operations <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to Note 1 &#8216; Basis of preparation and material accounting policy information&#8217; of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated financial statements for information on Changes in accounting principles, estimates and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 166.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">presentation of the consolidated financial statements and related notes.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 193.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The information in this section sets forth selected statistical information regarding the Group&#8217;s operations. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 205.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Information for 2023, 2022 and 2021 is set forth under IFRS-IASB. Unless otherwise indicated, average <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 217.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">balances, when used, are calculated from monthly data and the distinction between domestic and foreign is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 229.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">based on the location of the office where the assets and liabilities are booked, as opposed to the domicile of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 241.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the customer. However, the Company believes that the presentation of these amounts based upon the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 253.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">domicile of the customer would not result in material differences in the amounts presented in this section.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 280.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Average balances and interest rates<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The following tables show the Group&#8217;s operations, average interest-earning assets and average interest-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">bearing liabilities, together with average rates, for the periods indicated. The calculation of average balance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">is based on balances as per month-end, while for certain products (such as Securities purchased/sold under <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">agreements to repurchase) balances can fluctuate substantially during the month. The interest income, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest expense and average yield figures do not reflect interest income and expense on derivatives and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">other interest income and expense not considered to be directly related to interest-bearing assets and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">liabilities. These items are reflected in the corresponding interest income, interest expense and net interest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">income figures in the consolidated financial statements. A reconciliation of the interest income, interest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">expense and net interest income figures to the corresponding line items in the consolidated financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statements is provided hereunder.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 427.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 49.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 46.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105pt; position: var(--position); top: 0pt; width: 379.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 379.5pt;"><span style="color: #ffffff; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 176.23pt; position: var(--position); text-decoration: none; white-space: pre;">ASSETS<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="9" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 105pt; position: var(--position); top: 12pt; width: 379.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 379.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 141.43pt; position: var(--position); text-decoration: none; white-space: pre;">Interest-earning assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105pt; position: var(--position); top: 23.25pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 129pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 54.02pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 234pt; position: var(--position); top: 23.25pt; width: 126pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 126pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 52.52pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 360pt; position: var(--position); top: 23.25pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 124.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 51.77pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 105pt; position: var(--position); top: 35.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.62pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.15pt; position: var(--position); text-decoration: none; white-space: pre;">balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 154.5pt; position: var(--position); top: 35.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.33pt; position: var(--position); text-decoration: none; white-space: pre;">Interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 6.85pt; position: var(--position); text-decoration: none; white-space: pre;">income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 194.25pt; position: var(--position); top: 35.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.87pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 6.17pt; position: var(--position); text-decoration: none; white-space: pre;">yield %<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 234pt; position: var(--position); top: 35.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.12pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.65pt; position: var(--position); text-decoration: none; white-space: pre;">balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 282pt; position: var(--position); top: 35.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.83pt; position: var(--position); text-decoration: none; white-space: pre;">Interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.35pt; position: var(--position); text-decoration: none; white-space: pre;">income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 320.25pt; position: var(--position); top: 35.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.87pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 6.17pt; position: var(--position); text-decoration: none; white-space: pre;">yield %<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360pt; position: var(--position); top: 35.25pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.62pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.15pt; position: var(--position); text-decoration: none; white-space: pre;">balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 406.5pt; position: var(--position); top: 35.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.83pt; position: var(--position); text-decoration: none; white-space: pre;">Interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.35pt; position: var(--position); text-decoration: none; white-space: pre;">income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 444.75pt; position: var(--position); top: 35.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.87pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 6.17pt; position: var(--position); text-decoration: none; white-space: pre;">yield %<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 59.25pt; width: 89.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 89.25pt;"><span style="color: #000000; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.45pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR millions)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 234pt; position: var(--position); top: 59.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 86.25pt;"><span style="color: #000000; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.95pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR millions)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360pt; position: var(--position); top: 59.25pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 84.75pt;"><span style="color: #000000; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.2pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR millions)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 23.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 0pt; position: var(--position); top: 72pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.95pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Time deposits with <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 12.75pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 60.75pt; position: var(--position); top: 95.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 95.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.47pt; position: var(--position); text-decoration: none; white-space: pre;">2,620<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 154.5pt; position: var(--position); top: 95.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.94pt; position: var(--position); text-decoration: none; white-space: pre;">111<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 194.25pt; position: var(--position); top: 95.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">4.3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 234pt; position: var(--position); top: 95.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.97pt; position: var(--position); text-decoration: none; white-space: pre;">3,574<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 282pt; position: var(--position); top: 95.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.5pt; position: var(--position); text-decoration: none; white-space: pre;">52<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 95.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">1.4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360pt; position: var(--position); top: 95.25pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.47pt; position: var(--position); text-decoration: none; white-space: pre;">2,818<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 406.5pt; position: var(--position); top: 95.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.5pt; position: var(--position); text-decoration: none; white-space: pre;">33<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444.75pt; position: var(--position); top: 95.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">1.2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 60.75pt; position: var(--position); top: 108pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 108pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.47pt; position: var(--position); text-decoration: none; white-space: pre;">1,236<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 154.5pt; position: var(--position); top: 108pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.94pt; position: var(--position); text-decoration: none; white-space: pre;">256<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 194.25pt; position: var(--position); top: 108pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.78pt; position: var(--position); text-decoration: none; white-space: pre;">20.7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 234pt; position: var(--position); top: 108pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.97pt; position: var(--position); text-decoration: none; white-space: pre;">2,603<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 282pt; position: var(--position); top: 108pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.44pt; position: var(--position); text-decoration: none; white-space: pre;">197<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 108pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">7.6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360pt; position: var(--position); top: 108pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.47pt; position: var(--position); text-decoration: none; white-space: pre;">3,718<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 406.5pt; position: var(--position); top: 108pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.5pt; position: var(--position); text-decoration: none; white-space: pre;">41<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444.75pt; position: var(--position); top: 108pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">1.1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 120.75pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="position: var(--position); top: 127.31pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 49.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 46.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105pt; position: var(--position); top: 0pt; width: 379.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 379.5pt;"><span style="color: #ffffff; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 176.23pt; position: var(--position); text-decoration: none; white-space: pre;">ASSETS<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="9" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 105pt; position: var(--position); top: 12pt; width: 379.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 379.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 141.43pt; position: var(--position); text-decoration: none; white-space: pre;">Interest-earning assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 105pt; position: var(--position); top: 23.25pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 129pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 54.02pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 234pt; position: var(--position); top: 23.25pt; width: 126pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 126pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 52.52pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 360pt; position: var(--position); top: 23.25pt; width: 124.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 124.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 51.77pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 105pt; position: var(--position); top: 35.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.62pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.15pt; position: var(--position); text-decoration: none; white-space: pre;">balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 154.5pt; position: var(--position); top: 35.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.33pt; position: var(--position); text-decoration: none; white-space: pre;">Interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 6.85pt; position: var(--position); text-decoration: none; white-space: pre;">income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 194.25pt; position: var(--position); top: 35.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.87pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 6.17pt; position: var(--position); text-decoration: none; white-space: pre;">yield %<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 234pt; position: var(--position); top: 35.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.12pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.65pt; position: var(--position); text-decoration: none; white-space: pre;">balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 282pt; position: var(--position); top: 35.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.83pt; position: var(--position); text-decoration: none; white-space: pre;">Interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.35pt; position: var(--position); text-decoration: none; white-space: pre;">income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 320.25pt; position: var(--position); top: 35.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.87pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 6.17pt; position: var(--position); text-decoration: none; white-space: pre;">yield %<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360pt; position: var(--position); top: 35.25pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.62pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.15pt; position: var(--position); text-decoration: none; white-space: pre;">balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 406.5pt; position: var(--position); top: 35.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.83pt; position: var(--position); text-decoration: none; white-space: pre;">Interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.35pt; position: var(--position); text-decoration: none; white-space: pre;">income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 444.75pt; position: var(--position); top: 35.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.87pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 6.17pt; position: var(--position); text-decoration: none; white-space: pre;">yield %<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 60.75pt; position: var(--position); top: 59.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 59.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.35pt; position: var(--position); text-decoration: none; white-space: pre;">184,864<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 154.5pt; position: var(--position); top: 59.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.72pt; position: var(--position); text-decoration: none; white-space: pre;">6,548<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 194.25pt; position: var(--position); top: 59.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">3.5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 234pt; position: var(--position); top: 59.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.85pt; position: var(--position); text-decoration: none; white-space: pre;">186,808<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 282pt; position: var(--position); top: 59.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.22pt; position: var(--position); text-decoration: none; white-space: pre;">4,617<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 59.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">2.5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360pt; position: var(--position); top: 59.25pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.35pt; position: var(--position); text-decoration: none; white-space: pre;">186,022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 406.5pt; position: var(--position); top: 59.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.22pt; position: var(--position); text-decoration: none; white-space: pre;">4,313<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444.75pt; position: var(--position); top: 59.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">2.3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 60.75pt; position: var(--position); top: 72pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 72pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.35pt; position: var(--position); text-decoration: none; white-space: pre;">461,351<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 154.5pt; position: var(--position); top: 72pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.66pt; position: var(--position); text-decoration: none; white-space: pre;">20,287<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 194.25pt; position: var(--position); top: 72pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">4.4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 234pt; position: var(--position); top: 72pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.85pt; position: var(--position); text-decoration: none; white-space: pre;">467,736<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 282pt; position: var(--position); top: 72pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.16pt; position: var(--position); text-decoration: none; white-space: pre;">12,666<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 72pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">2.7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360pt; position: var(--position); top: 72pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.35pt; position: var(--position); text-decoration: none; white-space: pre;">438,174<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 406.5pt; position: var(--position); top: 72pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.22pt; position: var(--position); text-decoration: none; white-space: pre;">9,437<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444.75pt; position: var(--position); top: 72pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">2.2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 84.75pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Securities purchased <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">with agreements to <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">resell<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 60.75pt; position: var(--position); top: 120pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 120pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.41pt; position: var(--position); text-decoration: none; white-space: pre;">17,174<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 154.5pt; position: var(--position); top: 120pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.94pt; position: var(--position); text-decoration: none; white-space: pre;">343<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 194.25pt; position: var(--position); top: 120pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">2.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 234pt; position: var(--position); top: 120pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.91pt; position: var(--position); text-decoration: none; white-space: pre;">10,305<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 282pt; position: var(--position); top: 120pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.5pt; position: var(--position); text-decoration: none; white-space: pre;">43<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 120pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">0.4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360pt; position: var(--position); top: 120pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.47pt; position: var(--position); text-decoration: none; white-space: pre;">3,768<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 406.5pt; position: var(--position); top: 120pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.56pt; position: var(--position); text-decoration: none; white-space: pre;">0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444.75pt; position: var(--position); top: 120pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 60.75pt; position: var(--position); top: 132.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 132.75pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.41pt; position: var(--position); text-decoration: none; white-space: pre;">68,727<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 154.5pt; position: var(--position); top: 132.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.72pt; position: var(--position); text-decoration: none; white-space: pre;">4,506<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 194.25pt; position: var(--position); top: 132.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">6.6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 234pt; position: var(--position); top: 132.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.91pt; position: var(--position); text-decoration: none; white-space: pre;">64,598<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 282pt; position: var(--position); top: 132.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.22pt; position: var(--position); text-decoration: none; white-space: pre;">1,297<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 132.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">2.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360pt; position: var(--position); top: 132.75pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.41pt; position: var(--position); text-decoration: none; white-space: pre;">61,137<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 406.5pt; position: var(--position); top: 132.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.44pt; position: var(--position); text-decoration: none; white-space: pre;">322<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444.75pt; position: var(--position); top: 132.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">0.5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 145.5pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest-earning <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">securities<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 40.6pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 60.75pt; position: var(--position); top: 169.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 169.5pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.41pt; position: var(--position); text-decoration: none; white-space: pre;">32,511<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 154.5pt; position: var(--position); top: 169.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.94pt; position: var(--position); text-decoration: none; white-space: pre;">562<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 194.25pt; position: var(--position); top: 169.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">1.7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 234pt; position: var(--position); top: 169.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.91pt; position: var(--position); text-decoration: none; white-space: pre;">31,609<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 282pt; position: var(--position); top: 169.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.44pt; position: var(--position); text-decoration: none; white-space: pre;">314<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 169.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">1.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360pt; position: var(--position); top: 169.5pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.41pt; position: var(--position); text-decoration: none; white-space: pre;">31,662<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 406.5pt; position: var(--position); top: 169.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.44pt; position: var(--position); text-decoration: none; white-space: pre;">242<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444.75pt; position: var(--position); top: 169.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">0.8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 60.75pt; position: var(--position); top: 182.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 182.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.41pt; position: var(--position); text-decoration: none; white-space: pre;">55,670<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 154.5pt; position: var(--position); top: 182.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.72pt; position: var(--position); text-decoration: none; white-space: pre;">1,386<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 194.25pt; position: var(--position); top: 182.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">2.5<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 234pt; position: var(--position); top: 182.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.91pt; position: var(--position); text-decoration: none; white-space: pre;">51,732<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 282pt; position: var(--position); top: 182.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.44pt; position: var(--position); text-decoration: none; white-space: pre;">894<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 182.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">1.7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360pt; position: var(--position); top: 182.25pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.41pt; position: var(--position); text-decoration: none; white-space: pre;">53,276<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 406.5pt; position: var(--position); top: 182.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.44pt; position: var(--position); text-decoration: none; white-space: pre;">622<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444.75pt; position: var(--position); top: 182.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">1.2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 195pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other interest-earning <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 60.75pt; position: var(--position); top: 219pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 219pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.41pt; position: var(--position); text-decoration: none; white-space: pre;">56,611<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 154.5pt; position: var(--position); top: 219pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.72pt; position: var(--position); text-decoration: none; white-space: pre;">2,720<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 194.25pt; position: var(--position); top: 219pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">4.8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 234pt; position: var(--position); top: 219pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.91pt; position: var(--position); text-decoration: none; white-space: pre;">65,895<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 282pt; position: var(--position); top: 219pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.44pt; position: var(--position); text-decoration: none; white-space: pre;">444<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 219pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">0.7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360pt; position: var(--position); top: 219pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.41pt; position: var(--position); text-decoration: none; white-space: pre;">50,713<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 406.5pt; position: var(--position); top: 219pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.5pt; position: var(--position); text-decoration: none; white-space: pre;">13<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444.75pt; position: var(--position); top: 219pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 60.75pt; position: var(--position); top: 231.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 231.75pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.41pt; position: var(--position); text-decoration: none; white-space: pre;">61,658<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 154.5pt; position: var(--position); top: 231.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.72pt; position: var(--position); text-decoration: none; white-space: pre;">2,118<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 194.25pt; position: var(--position); top: 231.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">3.4<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 234pt; position: var(--position); top: 231.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.91pt; position: var(--position); text-decoration: none; white-space: pre;">66,298<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 282pt; position: var(--position); top: 231.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.44pt; position: var(--position); text-decoration: none; white-space: pre;">407<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 231.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">0.6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360pt; position: var(--position); top: 231.75pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.41pt; position: var(--position); text-decoration: none; white-space: pre;">71,055<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 406.5pt; position: var(--position); top: 231.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.5pt; position: var(--position); text-decoration: none; white-space: pre;">56<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444.75pt; position: var(--position); top: 231.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.84pt; position: var(--position); text-decoration: none; white-space: pre;">0.1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 244.5pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 105pt; position: var(--position); top: 244.5pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.27pt; position: var(--position); text-decoration: none; white-space: pre;">942,421<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 154.5pt; position: var(--position); top: 244.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 8.76pt; position: var(--position); text-decoration: none; white-space: pre;">38,839<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 194.25pt; position: var(--position); top: 244.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.48pt; position: var(--position); text-decoration: none; white-space: pre;">4.1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 234pt; position: var(--position); top: 244.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.77pt; position: var(--position); text-decoration: none; white-space: pre;">951,158<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282pt; position: var(--position); top: 244.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 7.26pt; position: var(--position); text-decoration: none; white-space: pre;">20,931<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 320.25pt; position: var(--position); top: 244.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.48pt; position: var(--position); text-decoration: none; white-space: pre;">2.2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 360pt; position: var(--position); top: 244.5pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.27pt; position: var(--position); text-decoration: none; white-space: pre;">902,341<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 406.5pt; position: var(--position); top: 244.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 7.26pt; position: var(--position); text-decoration: none; white-space: pre;">15,080<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 244.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.48pt; position: var(--position); text-decoration: none; white-space: pre;">1.7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 258.75pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-interest earning <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 105pt; position: var(--position); top: 258.75pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.41pt; position: var(--position); text-decoration: none; white-space: pre;">54,850<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 234pt; position: var(--position); top: 258.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.91pt; position: var(--position); text-decoration: none; white-space: pre;">51,367<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360pt; position: var(--position); top: 258.75pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.41pt; position: var(--position); text-decoration: none; white-space: pre;">51,012<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 282.75pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 282.75pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.41pt; position: var(--position); text-decoration: none; white-space: pre;">30,215<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 234pt; position: var(--position); top: 282.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.91pt; position: var(--position); text-decoration: none; white-space: pre;">32,480<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360pt; position: var(--position); top: 282.75pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.41pt; position: var(--position); text-decoration: none; white-space: pre;">23,505<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 295.5pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 105pt; position: var(--position); top: 295.5pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.87pt; position: var(--position); text-decoration: none; white-space: pre;">1,027,486<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 234pt; position: var(--position); top: 295.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.37pt; position: var(--position); text-decoration: none; white-space: pre;">1,035,005<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360pt; position: var(--position); top: 295.5pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.27pt; position: var(--position); text-decoration: none; white-space: pre;">976,857<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 35.25pt;"><td colspan="2" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 308.25pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Percentage of assets <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">applicable to foreign <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">operations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 154.5pt; position: var(--position); top: 308.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 11.06pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 11.06pt; position: var(--position);">67.8<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 31.259999999999998pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 282pt; position: var(--position); top: 308.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 9.56pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 9.56pt; position: var(--position);">67.7<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 29.759999999999998pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 406.5pt; position: var(--position); top: 308.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 9.56pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 9.56pt; position: var(--position);">68.9<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 29.759999999999998pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 9.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 353.25pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest income on <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 154.5pt; position: var(--position); top: 353.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.66pt; position: var(--position); text-decoration: none; white-space: pre;">13,112<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 282pt; position: var(--position); top: 353.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 1.87pt;"></span></span><span style="left: 4.5pt; position: var(--position);">6,123<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 406.5pt; position: var(--position); top: 353.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 1.87pt;"></span></span><span style="left: 4.5pt; position: var(--position);">4,386<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 377.25pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 27.77pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 154.5pt; position: var(--position); top: 377.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.94pt; position: var(--position); text-decoration: none; white-space: pre;">448<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282pt; position: var(--position); top: 377.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 1.87pt;"></span></span><span style="left: 4.5pt; position: var(--position);">1,319<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 406.5pt; position: var(--position); top: 377.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 1.87pt;"></span></span><span style="left: 4.5pt; position: var(--position);">1,585<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 391.5pt; width: 105pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 105pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 154.5pt; position: var(--position); top: 391.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 8.76pt; position: var(--position); text-decoration: none; white-space: pre;">52,399<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282pt; overflow: hidden; position: var(--position); top: 391.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 2.63pt; position: var(--position);">28,373<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 406.5pt; overflow: hidden; position: var(--position); top: 391.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 2.63pt; position: var(--position);">21,051<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="line-height: 8pt; position: var(--position); top: 553.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">Substantially all interest-earning securities held by the banking operations of the Company are taxable securities.<span style="display: inline-block; height: 6pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">228<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 8pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Other includes negative interest expense.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="position: var(--position); top: 74.51pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 13.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 95.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 0pt; width: 375.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 375.75pt;"><span style="color: #ffffff; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 167.5pt; position: var(--position); text-decoration: none; white-space: pre;">LIABILITIES<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="9" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 12.75pt; width: 375.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 375.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 134.05pt; position: var(--position); text-decoration: none; white-space: pre;">Interest-bearing liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 25.5pt; width: 126.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 126.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 52.89pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 25.5pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 52.14pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 25.5pt; width: 123.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 123.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 51.39pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 108.75pt; position: var(--position); top: 38.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 44.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 44.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.76pt; position: var(--position); text-decoration: none; white-space: pre;">balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 153pt; position: var(--position); top: 38.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.85pt; position: var(--position); text-decoration: none; white-space: pre;">Interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.16pt; position: var(--position); text-decoration: none; white-space: pre;">expense<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 193.5pt; position: var(--position); top: 38.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 42pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.87pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 42pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.83pt; position: var(--position); text-decoration: none; white-space: pre;">yield<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 235.5pt; position: var(--position); top: 38.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 44.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 44.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.76pt; position: var(--position); text-decoration: none; white-space: pre;">balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 279.75pt; position: var(--position); top: 38.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.85pt; position: var(--position); text-decoration: none; white-space: pre;">Interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.16pt; position: var(--position); text-decoration: none; white-space: pre;">expense<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 320.25pt; position: var(--position); top: 38.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.12pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.08pt; position: var(--position); text-decoration: none; white-space: pre;">yield<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360.75pt; position: var(--position); top: 38.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 42.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.25pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 42.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.01pt; position: var(--position); text-decoration: none; white-space: pre;">balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 403.5pt; position: var(--position); top: 38.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.85pt; position: var(--position); text-decoration: none; white-space: pre;">Interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.16pt; position: var(--position); text-decoration: none; white-space: pre;">expense<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 444pt; position: var(--position); top: 38.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.12pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.08pt; position: var(--position); text-decoration: none; white-space: pre;">yield<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 62.25pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.72pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR millions)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 193.5pt; position: var(--position); top: 62.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.13pt; position: var(--position); text-decoration: none; white-space: pre;">%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 62.25pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.72pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR millions)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 62.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.38pt; position: var(--position); text-decoration: none; white-space: pre;">%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 62.25pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.97pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR millions)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 62.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.38pt; position: var(--position); text-decoration: none; white-space: pre;">%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 75pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Time deposits from banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 13.5pt; position: var(--position); top: 87pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 108.75pt; position: var(--position); top: 87pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">19,646<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 87pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">678<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 193.5pt; position: var(--position); top: 87pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">3.4<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 235.5pt; position: var(--position); top: 87pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">53,949<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 279.75pt; position: var(--position); top: 87pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.99pt;"></span></span><span style="left: 10.620000000000001pt; position: var(--position);">-281<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 320.25pt; position: var(--position); top: 87pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.49pt;"></span></span><span style="left: 24.119999999999997pt; position: var(--position);">-0.5<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 360.75pt; position: var(--position); top: 87pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.87pt;"></span></span><span style="left: 11.5pt; position: var(--position);">51,928<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 403.5pt; position: var(--position); top: 87pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.46pt;"></span></span><span style="left: 24.09pt; position: var(--position);">3<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 444pt; position: var(--position); top: 87pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 13.5pt; position: var(--position); top: 99pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 108.75pt; position: var(--position); top: 99pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">11,881<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 99pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">308<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 193.5pt; position: var(--position); top: 99pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">2.6<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 235.5pt; position: var(--position); top: 99pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">24,068<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 279.75pt; position: var(--position); top: 99pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.11pt;"></span></span><span style="left: 20.74pt; position: var(--position);">-6<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 320.25pt; position: var(--position); top: 99pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 360.75pt; position: var(--position); top: 99pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.87pt;"></span></span><span style="left: 11.5pt; position: var(--position);">24,497<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 403.5pt; position: var(--position); top: 99pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.4pt;"></span></span><span style="left: 19.029999999999998pt; position: var(--position);">76<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 444pt; position: var(--position); top: 99pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.3<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 111pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Current accounts<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 13.5pt; position: var(--position); top: 123pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 108.75pt; position: var(--position); top: 123pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">97,084<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 123pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.12pt;"></span></span><span style="left: 6.75pt; position: var(--position);">1,025<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 193.5pt; position: var(--position); top: 123pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">1.1<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 235.5pt; position: var(--position); top: 123pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.31pt;"></span></span><span style="left: 7.9399999999999995pt; position: var(--position);">107,971<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 279.75pt; position: var(--position); top: 123pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">361<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 320.25pt; position: var(--position); top: 123pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.3<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 360.75pt; position: var(--position); top: 123pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.87pt;"></span></span><span style="left: 11.5pt; position: var(--position);">98,236<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 403.5pt; position: var(--position); top: 123pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">110<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 444pt; position: var(--position); top: 123pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.1<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 13.5pt; position: var(--position); top: 135pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 108.75pt; position: var(--position); top: 135pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.31pt;"></span></span><span style="left: 7.9399999999999995pt; position: var(--position);">135,088<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 135pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">362<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 193.5pt; position: var(--position); top: 135pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">0.3<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 235.5pt; position: var(--position); top: 135pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.31pt;"></span></span><span style="left: 7.9399999999999995pt; position: var(--position);">155,087<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 279.75pt; position: var(--position); top: 135pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.4pt;"></span></span><span style="left: 19.029999999999998pt; position: var(--position);">98<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 320.25pt; position: var(--position); top: 135pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.1<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 360.75pt; position: var(--position); top: 135pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.81pt;"></span></span><span style="left: 6.4399999999999995pt; position: var(--position);">144,706<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 403.5pt; position: var(--position); top: 135pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.4pt;"></span></span><span style="left: 19.029999999999998pt; position: var(--position);">19<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 444pt; position: var(--position); top: 135pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 147pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Time deposits <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 60.45pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 13.5pt; position: var(--position); top: 159pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 108.75pt; position: var(--position); top: 159pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">39,054<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 159pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.12pt;"></span></span><span style="left: 6.75pt; position: var(--position);">1,977<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 193.5pt; position: var(--position); top: 159pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">5.1<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 235.5pt; position: var(--position); top: 159pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">31,224<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 279.75pt; position: var(--position); top: 159pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">567<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 320.25pt; position: var(--position); top: 159pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">1.8<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 360.75pt; position: var(--position); top: 159pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.87pt;"></span></span><span style="left: 11.5pt; position: var(--position);">12,508<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 403.5pt; position: var(--position); top: 159pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.4pt;"></span></span><span style="left: 19.029999999999998pt; position: var(--position);">35<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 444pt; position: var(--position); top: 159pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.3<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 13.5pt; position: var(--position); top: 171pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 108.75pt; position: var(--position); top: 171pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">43,111<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 171pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.12pt;"></span></span><span style="left: 6.75pt; position: var(--position);">1,876<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 193.5pt; position: var(--position); top: 171pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">4.4<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 235.5pt; position: var(--position); top: 171pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.43pt;"></span></span><span style="left: 18.06pt; position: var(--position);">9,239<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 279.75pt; position: var(--position); top: 171pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">349<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 320.25pt; position: var(--position); top: 171pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">3.8<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 360.75pt; position: var(--position); top: 171pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.93pt;"></span></span><span style="left: 16.56pt; position: var(--position);">5,926<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 403.5pt; position: var(--position); top: 171pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.4pt;"></span></span><span style="left: 19.029999999999998pt; position: var(--position);">90<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 444pt; position: var(--position); top: 171pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">1.5<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 183pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Savings deposits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 13.5pt; position: var(--position); top: 195.75pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 108.75pt; position: var(--position); top: 195.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.31pt;"></span></span><span style="left: 7.9399999999999995pt; position: var(--position);">108,789<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 195.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">901<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 193.5pt; position: var(--position); top: 195.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">0.8<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 235.5pt; position: var(--position); top: 195.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.31pt;"></span></span><span style="left: 7.9399999999999995pt; position: var(--position);">101,489<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 279.75pt; position: var(--position); top: 195.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.99pt;"></span></span><span style="left: 10.620000000000001pt; position: var(--position);">-311<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 320.25pt; position: var(--position); top: 195.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.49pt;"></span></span><span style="left: 24.119999999999997pt; position: var(--position);">-0.3<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 360.75pt; position: var(--position); top: 195.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.87pt;"></span></span><span style="left: 11.5pt; position: var(--position);">97,862<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 403.5pt; position: var(--position); top: 195.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.99pt;"></span></span><span style="left: 10.620000000000001pt; position: var(--position);">-324<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 444pt; position: var(--position); top: 195.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.49pt;"></span></span><span style="left: 24.119999999999997pt; position: var(--position);">-0.3<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 13.5pt; position: var(--position); top: 207.75pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 108.75pt; position: var(--position); top: 207.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.31pt;"></span></span><span style="left: 7.9399999999999995pt; position: var(--position);">234,282<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 153pt; position: var(--position); top: 207.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.12pt;"></span></span><span style="left: 6.75pt; position: var(--position);">3,148<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 193.5pt; position: var(--position); top: 207.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">1.3<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 235.5pt; position: var(--position); top: 207.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.31pt;"></span></span><span style="left: 7.9399999999999995pt; position: var(--position);">233,412<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 279.75pt; position: var(--position); top: 207.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">895<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 320.25pt; position: var(--position); top: 207.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.4<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 360.75pt; position: var(--position); top: 207.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.81pt;"></span></span><span style="left: 6.4399999999999995pt; position: var(--position);">257,796<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 403.5pt; position: var(--position); top: 207.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">482<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 444pt; position: var(--position); top: 207.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.2<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 219.75pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Securities sold under <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">agreements to <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">repurchase&#160;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 13.5pt; position: var(--position); top: 255pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 255pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.43pt;"></span></span><span style="left: 18.06pt; position: var(--position);">1,085<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 153pt; position: var(--position); top: 255pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">478<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 193.5pt; position: var(--position); top: 255pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.24pt;"></span></span><span style="left: 20.869999999999997pt; position: var(--position);">44.1<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 255pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.65pt;"></span></span><span style="left: 25.279999999999998pt; position: var(--position);">972<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 255pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.4pt;"></span></span><span style="left: 19.029999999999998pt; position: var(--position);">38<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 255pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">3.9<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 255pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.93pt;"></span></span><span style="left: 16.56pt; position: var(--position);">3,205<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 255pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.46pt;"></span></span><span style="left: 24.09pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 255pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 13.5pt; position: var(--position); top: 267.75pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 267.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">64,905<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 153pt; position: var(--position); top: 267.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.12pt;"></span></span><span style="left: 6.75pt; position: var(--position);">4,314<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 193.5pt; position: var(--position); top: 267.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">6.6<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 267.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">60,127<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 267.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.12pt;"></span></span><span style="left: 6.75pt; position: var(--position);">1,205<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 267.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">2.0<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 267.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.87pt;"></span></span><span style="left: 11.5pt; position: var(--position);">55,300<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 267.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">133<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 267.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.2<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 280.5pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Commercial paper<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 13.5pt; position: var(--position); top: 293.25pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 293.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">13,159<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 153pt; position: var(--position); top: 293.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">484<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 193.5pt; position: var(--position); top: 293.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">3.7<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 293.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.43pt;"></span></span><span style="left: 18.06pt; position: var(--position);">7,425<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 293.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.4pt;"></span></span><span style="left: 19.029999999999998pt; position: var(--position);">42<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 293.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.6<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 293.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.93pt;"></span></span><span style="left: 16.56pt; position: var(--position);">2,712<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 293.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.46pt;"></span></span><span style="left: 24.09pt; position: var(--position);">3<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 293.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.1<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 13.5pt; position: var(--position); top: 306pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 306pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">22,099<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 153pt; position: var(--position); top: 306pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.12pt;"></span></span><span style="left: 6.75pt; position: var(--position);">1,193<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 193.5pt; position: var(--position); top: 306pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">5.4<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 306pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">14,050<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 306pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">245<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 306pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">1.7<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 306pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.87pt;"></span></span><span style="left: 11.5pt; position: var(--position);">12,873<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 306pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.4pt;"></span></span><span style="left: 19.029999999999998pt; position: var(--position);">23<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 306pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.2<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 318.75pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Short term debt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 13.5pt; position: var(--position); top: 331.5pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 331.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.43pt;"></span></span><span style="left: 18.06pt; position: var(--position);">5,841<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 153pt; position: var(--position); top: 331.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">286<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 193.5pt; position: var(--position); top: 331.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">4.9<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 331.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.43pt;"></span></span><span style="left: 18.06pt; position: var(--position);">3,946<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 331.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.4pt;"></span></span><span style="left: 19.029999999999998pt; position: var(--position);">53<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 331.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">1.3<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 331.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.93pt;"></span></span><span style="left: 16.56pt; position: var(--position);">3,484<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 331.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.46pt;"></span></span><span style="left: 24.09pt; position: var(--position);">7<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 331.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.2<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 13.5pt; position: var(--position); top: 344.25pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 344.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.43pt;"></span></span><span style="left: 18.06pt; position: var(--position);">1,669<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 153pt; position: var(--position); top: 344.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.4pt;"></span></span><span style="left: 19.029999999999998pt; position: var(--position);">72<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 193.5pt; position: var(--position); top: 344.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">4.3<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 344.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.43pt;"></span></span><span style="left: 18.06pt; position: var(--position);">2,858<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 344.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.4pt;"></span></span><span style="left: 19.029999999999998pt; position: var(--position);">39<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 344.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">1.4<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 344.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.93pt;"></span></span><span style="left: 16.56pt; position: var(--position);">4,190<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 344.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.4pt;"></span></span><span style="left: 19.029999999999998pt; position: var(--position);">11<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 344.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.3<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 357pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Long term debt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 13.5pt; position: var(--position); top: 369.75pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 369.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">62,233<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 153pt; position: var(--position); top: 369.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.12pt;"></span></span><span style="left: 6.75pt; position: var(--position);">1,750<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 193.5pt; position: var(--position); top: 369.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">2.8<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 369.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">55,501<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 369.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.12pt;"></span></span><span style="left: 6.75pt; position: var(--position);">1,268<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 369.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">2.3<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 369.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.87pt;"></span></span><span style="left: 11.5pt; position: var(--position);">55,511<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 369.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.12pt;"></span></span><span style="left: 6.75pt; position: var(--position);">1,167<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 369.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">2.1<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 13.5pt; position: var(--position); top: 382.5pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 382.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">19,106<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 153pt; position: var(--position); top: 382.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">549<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 193.5pt; position: var(--position); top: 382.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">2.9<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 382.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">16,310<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 382.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">257<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 382.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">1.6<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 382.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.87pt;"></span></span><span style="left: 11.5pt; position: var(--position);">14,490<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 382.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">168<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 382.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">1.2<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 395.25pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Subordinated liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 13.5pt; position: var(--position); top: 408pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 408pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">16,057<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 153pt; position: var(--position); top: 408pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">711<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 193.5pt; position: var(--position); top: 408pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">4.4<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 408pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">16,317<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 408pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">650<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 408pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">4.0<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 408pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.87pt;"></span></span><span style="left: 11.5pt; position: var(--position);">15,364<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 408pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">573<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 408pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">3.7<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 13.5pt; position: var(--position); top: 420.75pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 420.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.83pt;"></span></span><span style="left: 40.46pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 153pt; position: var(--position); top: 420.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.52pt;"></span></span><span style="left: 29.15pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 193.5pt; position: var(--position); top: 420.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.58pt;"></span></span><span style="left: 38.21pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 420.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.83pt;"></span></span><span style="left: 40.46pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 420.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.52pt;"></span></span><span style="left: 29.15pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 420.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 420.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.27pt;"></span></span><span style="left: 33.9pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 420.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.46pt;"></span></span><span style="left: 24.09pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 420.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.0<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 433.5pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other interest&#8209;bearing <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 13.5pt; position: var(--position); top: 457.5pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 457.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.43pt;"></span></span><span style="left: 18.06pt; position: var(--position);">4,705<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 153pt; position: var(--position); top: 457.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">693<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 193.5pt; position: var(--position); top: 457.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.24pt;"></span></span><span style="left: 20.869999999999997pt; position: var(--position);">14.7<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 457.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.43pt;"></span></span><span style="left: 18.06pt; position: var(--position);">3,721<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 457.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">235<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 457.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">6.3<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 457.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.93pt;"></span></span><span style="left: 16.56pt; position: var(--position);">3,470<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 457.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.4pt;"></span></span><span style="left: 19.029999999999998pt; position: var(--position);">12<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 457.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.4<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 13.5pt; position: var(--position); top: 470.25pt; width: 95.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 95.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 470.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.43pt;"></span></span><span style="left: 18.06pt; position: var(--position);">6,639<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 153pt; position: var(--position); top: 470.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">253<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 193.5pt; position: var(--position); top: 470.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.3pt;"></span></span><span style="left: 25.93pt; position: var(--position);">3.8<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 470.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.43pt;"></span></span><span style="left: 18.06pt; position: var(--position);">6,732<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 470.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">116<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 470.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">1.7<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 470.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.93pt;"></span></span><span style="left: 16.56pt; position: var(--position);">6,557<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 470.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.4pt;"></span></span><span style="left: 19.029999999999998pt; position: var(--position);">28<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 470.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.84pt;"></span></span><span style="left: 27.47pt; position: var(--position);">0.4<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 13.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 95.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 0pt; width: 375.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 375.75pt;"><span style="color: #ffffff; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 167.5pt; position: var(--position); text-decoration: none; white-space: pre;">LIABILITIES<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="9" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 12.75pt; width: 375.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 375.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 134.05pt; position: var(--position); text-decoration: none; white-space: pre;">Interest-bearing liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 25.5pt; width: 126.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 126.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 52.89pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 25.5pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 52.14pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 25.5pt; width: 123.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 123.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 51.39pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 108.75pt; position: var(--position); top: 38.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 44.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 44.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.76pt; position: var(--position); text-decoration: none; white-space: pre;">balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 153pt; position: var(--position); top: 38.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.85pt; position: var(--position); text-decoration: none; white-space: pre;">Interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.16pt; position: var(--position); text-decoration: none; white-space: pre;">expense<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 193.5pt; position: var(--position); top: 38.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 42pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.87pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 42pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.83pt; position: var(--position); text-decoration: none; white-space: pre;">yield<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 235.5pt; position: var(--position); top: 38.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 44.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 44.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.76pt; position: var(--position); text-decoration: none; white-space: pre;">balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 279.75pt; position: var(--position); top: 38.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.85pt; position: var(--position); text-decoration: none; white-space: pre;">Interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.16pt; position: var(--position); text-decoration: none; white-space: pre;">expense<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 320.25pt; position: var(--position); top: 38.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.12pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.08pt; position: var(--position); text-decoration: none; white-space: pre;">yield<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360.75pt; position: var(--position); top: 38.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 42.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 4.25pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 42.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.01pt; position: var(--position); text-decoration: none; white-space: pre;">balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 403.5pt; position: var(--position); top: 38.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.85pt; position: var(--position); text-decoration: none; white-space: pre;">Interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.16pt; position: var(--position); text-decoration: none; white-space: pre;">expense<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 444pt; position: var(--position); top: 38.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.12pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 40.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.08pt; position: var(--position); text-decoration: none; white-space: pre;">yield<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 62.25pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 62.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.23pt;"></span></span><span style="left: 6.86pt; position: var(--position);">906,434<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 153pt; overflow: hidden; position: var(--position); top: 62.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 2.63pt; position: var(--position);">21,057<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 193.5pt; position: var(--position); top: 62.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.94pt;"></span></span><span style="left: 25.57pt; position: var(--position);">2.3<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 62.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.23pt;"></span></span><span style="left: 6.86pt; position: var(--position);">904,399<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 62.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.4pt;"></span></span><span style="left: 6.029999999999999pt; position: var(--position);">5,820<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 62.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.48pt;"></span></span><span style="left: 27.11pt; position: var(--position);">0.6<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 62.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.73pt;"></span></span><span style="left: 5.359999999999999pt; position: var(--position);">870,615<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 62.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.4pt;"></span></span><span style="left: 6.029999999999999pt; position: var(--position);">2,616<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 62.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.48pt;"></span></span><span style="left: 27.11pt; position: var(--position);">0.3<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 75pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-interest bearing <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 108.75pt; position: var(--position); top: 75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">37,365<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 235.5pt; position: var(--position); top: 75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">38,995<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360.75pt; position: var(--position); top: 75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.87pt;"></span></span><span style="left: 11.5pt; position: var(--position);">30,839<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 99pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 99pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">28,452<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 99pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">32,364<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 99pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.87pt;"></span></span><span style="left: 11.5pt; position: var(--position);">21,173<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 111.75pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 111.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.23pt;"></span></span><span style="left: 6.86pt; position: var(--position);">972,251<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 111.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.23pt;"></span></span><span style="left: 6.86pt; position: var(--position);">975,757<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 111.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.73pt;"></span></span><span style="left: 5.359999999999999pt; position: var(--position);">922,627<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 124.5pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Group capital<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 108.75pt; position: var(--position); top: 124.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">55,235<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 235.5pt; position: var(--position); top: 124.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.37pt;"></span></span><span style="left: 13pt; position: var(--position);">59,248<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 124.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.87pt;"></span></span><span style="left: 11.5pt; position: var(--position);">54,230<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 29.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 29.25pt; left: 0pt; position: var(--position); top: 137.25pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.95pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total liabilities and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 18.75pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">capital<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 29.25pt; left: 108.75pt; overflow: hidden; position: var(--position); top: 137.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 18.75pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 2.63pt; position: var(--position);">1,027,486<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 29.25pt; left: 235.5pt; overflow: hidden; position: var(--position); top: 137.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 18.75pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 2.63pt; position: var(--position);">1,035,005<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 29.25pt; left: 360.75pt; position: var(--position); top: 137.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 18.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.73pt;"></span></span><span style="left: 5.359999999999999pt; position: var(--position);">976,857<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 35.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 166.5pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Percentage of liabilities <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">applicable to foreign <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">operations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 153pt; position: var(--position); top: 166.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 11.81pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 11.81pt; position: var(--position);">58.8<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 32.01pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 279.75pt; position: var(--position); top: 166.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 11.81pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 11.81pt; position: var(--position);">57.3<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 32.01pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 403.5pt; position: var(--position); top: 166.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 11.81pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 11.81pt; position: var(--position);">60.4<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 32.01pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 201.75pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other interest expense:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="2" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 214.5pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest expenses on <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 153pt; overflow: hidden; position: var(--position); top: 214.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 2.63pt; position: var(--position);">14,927<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 279.75pt; position: var(--position); top: 214.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.12pt;"></span></span><span style="left: 6.75pt; position: var(--position);">6,522<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 403.5pt; position: var(--position); top: 214.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.12pt;"></span></span><span style="left: 6.75pt; position: var(--position);">3,305<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 238.5pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">other <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 26.599999999999998pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2 <span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 153pt; position: var(--position); top: 238.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.34pt;"></span></span><span style="left: 13.969999999999999pt; position: var(--position);">253<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 238.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.12pt;"></span></span><span style="left: 6.75pt; position: var(--position);">1,438<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 238.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.12pt;"></span></span><span style="left: 6.75pt; position: var(--position);">1,130<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 251.25pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total interest expense<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 153pt; overflow: hidden; position: var(--position); top: 251.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 2.63pt; position: var(--position);">36,237<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279.75pt; overflow: hidden; position: var(--position); top: 251.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 2.63pt; position: var(--position);">13,780<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 251.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.4pt;"></span></span><span style="left: 6.029999999999999pt; position: var(--position);">7,051<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 265.5pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total net interest result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 153pt; overflow: hidden; position: var(--position); top: 265.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 2.63pt; position: var(--position);">16,162<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279.75pt; overflow: hidden; position: var(--position); top: 265.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 2.63pt; position: var(--position);">14,593<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; overflow: hidden; position: var(--position); top: 265.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 2.63pt; position: var(--position);">14,000<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="line-height: 8pt; position: var(--position); top: 364.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">These captions do not include deposits from banks.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 374.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">Other includes negative interest income.<span style="display: inline-block; height: 6pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">229<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Analysis of changes in net interest income<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 91.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The following table allocates changes in the Group&#8217;s operations&#8217; interest income and expense and net <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest result between changes in average balances and rates for the periods indicated. Changes due to a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">combination of volume and rate have been allocated to changes in average volume. The net changes in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest income, interest expense and net interest result, as calculated in this table, have been reconciled to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the changes in interest income, interest expense and net interest result in the consolidated financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statements. See introduction to &#8220;Average Balances and Interest Rates&#8221; for a discussion of the differences <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">between interest income, interest expense and net interest result as calculated in the following table and as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">set forth in the consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 187.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 7.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 153pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 58.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 55.5pt;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 160.5pt; position: var(--position); top: 11.25pt; width: 163.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 163.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 49.56pt; position: var(--position); text-decoration: none; white-space: pre;">2023 over 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 324pt; position: var(--position); top: 11.25pt; width: 160.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 160.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 48.06pt; position: var(--position); text-decoration: none; white-space: pre;">2022 over 2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 160.5pt; position: var(--position); top: 22.5pt; width: 163.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 163.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.61pt; position: var(--position); text-decoration: none; white-space: pre;">Increase (decrease) due to changes in<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 324pt; position: var(--position); top: 22.5pt; width: 160.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 160.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.11pt; position: var(--position); text-decoration: none; white-space: pre;">Increase (decrease) due to changes in<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 23.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 160.5pt; position: var(--position); top: 36.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.59pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.27pt; position: var(--position); text-decoration: none; white-space: pre;">volume<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 213pt; position: var(--position); top: 36.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.59pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.02pt; position: var(--position); text-decoration: none; white-space: pre;">rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 265.5pt; position: var(--position); top: 36.75pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.75pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6pt; position: var(--position); text-decoration: none; white-space: pre;">Net change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 324pt; position: var(--position); top: 36.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.59pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.27pt; position: var(--position); text-decoration: none; white-space: pre;">volume<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 376.5pt; position: var(--position); top: 36.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.59pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.02pt; position: var(--position); text-decoration: none; white-space: pre;">rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 429pt; position: var(--position); top: 36.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.75pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.5pt; position: var(--position); text-decoration: none; white-space: pre;">Net change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 160.5pt; position: var(--position); top: 60pt; width: 163.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 163.5pt;"><span style="color: #000000; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 55.57pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR millions)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 324pt; position: var(--position); top: 60pt; width: 160.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 160.5pt;"><span style="color: #000000; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 54.07pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR millions)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 72.75pt; width: 160.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 160.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest-earning assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 84.75pt; width: 160.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 160.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Time deposits to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 96.75pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 160.5pt; position: var(--position); top: 96.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.4pt;"></span></span><span style="left: 36.03pt; position: var(--position);">-14<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 213pt; position: var(--position); top: 96.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.75pt;"></span></span><span style="left: 39.38pt; position: var(--position);">74<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 265.5pt; position: var(--position); top: 96.75pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.75pt;"></span></span><span style="left: 45.38pt; position: var(--position);">60<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 55.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324pt; position: var(--position); top: 96.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.81pt;"></span></span><span style="left: 44.440000000000005pt; position: var(--position);">9<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 376.5pt; position: var(--position); top: 96.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.75pt;"></span></span><span style="left: 39.38pt; position: var(--position);">10<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 429pt; position: var(--position); top: 96.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.75pt;"></span></span><span style="left: 42.38pt; position: var(--position);">18<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 108.75pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 160.5pt; position: var(--position); top: 108.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.34pt;"></span></span><span style="left: 30.97pt; position: var(--position);">-103<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 213pt; position: var(--position); top: 108.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);">163<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 265.5pt; position: var(--position); top: 108.75pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.75pt;"></span></span><span style="left: 45.38pt; position: var(--position);">59<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 55.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324pt; position: var(--position); top: 108.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.4pt;"></span></span><span style="left: 36.03pt; position: var(--position);">-12<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 376.5pt; position: var(--position); top: 108.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);">168<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 429pt; position: var(--position); top: 108.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">156<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 120.75pt; width: 160.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 160.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 132.75pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 160.5pt; position: var(--position); top: 132.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.4pt;"></span></span><span style="left: 36.03pt; position: var(--position);">-39<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 213pt; position: var(--position); top: 132.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);">1,970<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 265.5pt; position: var(--position); top: 132.75pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.47pt;"></span></span><span style="left: 33.1pt; position: var(--position);">1,931<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 55.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324pt; position: var(--position); top: 132.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.4pt;"></span></span><span style="left: 36.03pt; position: var(--position);">-72<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 376.5pt; position: var(--position); top: 132.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);">376<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 429pt; position: var(--position); top: 132.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">304<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 144.75pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 160.5pt; position: var(--position); top: 144.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.4pt;"></span></span><span style="left: 36.03pt; position: var(--position);">-64<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 213pt; position: var(--position); top: 144.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);">7,684<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 265.5pt; position: var(--position); top: 144.75pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.47pt;"></span></span><span style="left: 33.1pt; position: var(--position);">7,621<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 55.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324pt; position: var(--position); top: 144.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);">468<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 376.5pt; position: var(--position); top: 144.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);">2,762<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 429pt; position: var(--position); top: 144.75pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.47pt;"></span></span><span style="left: 30.099999999999998pt; position: var(--position);">3,229<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 23.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 0pt; position: var(--position); top: 156.75pt; width: 160.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.95pt; width: 160.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Securities purchased with agreements <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 12.75pt; width: 160.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">to resell<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 180pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 160.5pt; position: var(--position); top: 180pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.75pt;"></span></span><span style="left: 39.38pt; position: var(--position);">29<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 213pt; position: var(--position); top: 180pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);">271<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 265.5pt; position: var(--position); top: 180pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.69pt;"></span></span><span style="left: 40.32pt; position: var(--position);">300<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 55.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324pt; position: var(--position); top: 180pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.81pt;"></span></span><span style="left: 44.440000000000005pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 376.5pt; position: var(--position); top: 180pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.75pt;"></span></span><span style="left: 39.38pt; position: var(--position);">42<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 429pt; position: var(--position); top: 180pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.75pt;"></span></span><span style="left: 42.38pt; position: var(--position);">43<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 192pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 160.5pt; position: var(--position); top: 192pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.75pt;"></span></span><span style="left: 39.38pt; position: var(--position);">83<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 213pt; position: var(--position); top: 192pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);">3,126<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 265.5pt; position: var(--position); top: 192pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.47pt;"></span></span><span style="left: 33.1pt; position: var(--position);">3,209<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 55.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324pt; position: var(--position); top: 192pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.75pt;"></span></span><span style="left: 39.38pt; position: var(--position);">18<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 376.5pt; position: var(--position); top: 192pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);">957<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 429pt; position: var(--position); top: 192pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">975<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 204pt; width: 160.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 160.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest-earning securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 216pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 160.5pt; position: var(--position); top: 216pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.81pt;"></span></span><span style="left: 44.440000000000005pt; position: var(--position);">9<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 213pt; position: var(--position); top: 216pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);">239<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 265.5pt; position: var(--position); top: 216pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.69pt;"></span></span><span style="left: 40.32pt; position: var(--position);">248<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 55.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324pt; position: var(--position); top: 216pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.81pt;"></span></span><span style="left: 44.440000000000005pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 376.5pt; position: var(--position); top: 216pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.75pt;"></span></span><span style="left: 39.38pt; position: var(--position);">72<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 429pt; position: var(--position); top: 216pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.75pt;"></span></span><span style="left: 42.38pt; position: var(--position);">72<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 228pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 160.5pt; position: var(--position); top: 228pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.75pt;"></span></span><span style="left: 39.38pt; position: var(--position);">68<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 213pt; position: var(--position); top: 228pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);">425<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 265.5pt; position: var(--position); top: 228pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.69pt;"></span></span><span style="left: 40.32pt; position: var(--position);">493<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 55.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324pt; position: var(--position); top: 228pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.4pt;"></span></span><span style="left: 36.03pt; position: var(--position);">-18<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 376.5pt; position: var(--position); top: 228pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);">290<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 429pt; position: var(--position); top: 228pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">272<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 240pt; width: 160.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 160.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other interest-earning assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 252pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 160.5pt; position: var(--position); top: 252pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.4pt;"></span></span><span style="left: 36.03pt; position: var(--position);">-63<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 213pt; position: var(--position); top: 252pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);">2,339<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 265.5pt; position: var(--position); top: 252pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.47pt;"></span></span><span style="left: 33.1pt; position: var(--position);">2,276<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 55.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324pt; position: var(--position); top: 252pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.81pt;"></span></span><span style="left: 44.440000000000005pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 376.5pt; position: var(--position); top: 252pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);">426<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 429pt; position: var(--position); top: 252pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">430<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 264pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 160.5pt; position: var(--position); top: 264pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.4pt;"></span></span><span style="left: 36.03pt; position: var(--position);">-28<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 213pt; position: var(--position); top: 264pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);">1,740<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 265.5pt; position: var(--position); top: 264pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.47pt;"></span></span><span style="left: 33.1pt; position: var(--position);">1,711<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 55.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324pt; position: var(--position); top: 264pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.46pt;"></span></span><span style="left: 41.09pt; position: var(--position);">-4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 376.5pt; position: var(--position); top: 264pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);">355<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 429pt; position: var(--position); top: 264pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">352<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 276pt; width: 160.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 160.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 288pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 160.5pt; position: var(--position); top: 288pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.4pt;"></span></span><span style="left: 36.03pt; position: var(--position);">-77<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 213pt; position: var(--position); top: 288pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);">4,893<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 265.5pt; position: var(--position); top: 288pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.47pt;"></span></span><span style="left: 33.1pt; position: var(--position);">4,815<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 55.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324pt; position: var(--position); top: 288pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.4pt;"></span></span><span style="left: 36.03pt; position: var(--position);">-58<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 376.5pt; position: var(--position); top: 288pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);">926<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 429pt; position: var(--position); top: 288pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.69pt;"></span></span><span style="left: 37.32pt; position: var(--position);">867<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 300pt; width: 153pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 153pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 160.5pt; position: var(--position); top: 300pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.4pt;"></span></span><span style="left: 36.03pt; position: var(--position);">-45<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 213pt; position: var(--position); top: 300pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);">13,137<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 265.5pt; position: var(--position); top: 300pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.41pt;"></span></span><span style="left: 28.04pt; position: var(--position);">13,093<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 55.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324pt; position: var(--position); top: 300pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);">452<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 376.5pt; position: var(--position); top: 300pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);">4,531<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 429pt; position: var(--position); top: 300pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.47pt;"></span></span><span style="left: 30.099999999999998pt; position: var(--position);">4,983<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 312pt; width: 160.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 160.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 160.5pt; position: var(--position); top: 312pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.67pt;"></span></span><span style="left: 30.3pt; position: var(--position);">-122<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 213pt; position: var(--position); top: 312pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.51pt;"></span></span><span style="left: 21.14pt; position: var(--position);">18,030<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 265.5pt; position: var(--position); top: 312pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.51pt;"></span></span><span style="left: 27.14pt; position: var(--position);">17,908<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 55.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324pt; position: var(--position); top: 312pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.15pt;"></span></span><span style="left: 33.78pt; position: var(--position);">394<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 376.5pt; position: var(--position); top: 312pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.75pt;"></span></span><span style="left: 26.38pt; position: var(--position);">5,457<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 429pt; position: var(--position); top: 312pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.75pt;"></span></span><span style="left: 29.38pt; position: var(--position);">5,851<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 324pt; width: 160.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 160.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 265.5pt; position: var(--position); top: 324pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.47pt;"></span></span><span style="left: 33.1pt; position: var(--position);">6,118<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 55.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 429pt; position: var(--position); top: 324pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.47pt;"></span></span><span style="left: 30.099999999999998pt; position: var(--position);">1,471<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 52.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 336pt; width: 160.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 160.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 265.5pt; position: var(--position); top: 336pt; width: 58.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 58.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.51pt;"></span></span><span style="left: 27.14pt; position: var(--position);">24,026<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 55.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 429pt; position: var(--position); top: 336pt; width: 55.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 55.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.75pt;"></span></span><span style="left: 29.38pt; position: var(--position);">7,322<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 52.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 7.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 157.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/></tr><tr style="height: 9.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 165pt; position: var(--position); top: 9.75pt; width: 159.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 159.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 47.68pt; position: var(--position); text-decoration: none; white-space: pre;">2023 over 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 324.75pt; position: var(--position); top: 9.75pt; width: 159.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 159.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 47.68pt; position: var(--position); text-decoration: none; white-space: pre;">2022 over 2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 165pt; position: var(--position); top: 22.5pt; width: 159.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 159.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.74pt; position: var(--position); text-decoration: none; white-space: pre;">Increase (decrease) due to changes in<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 324.75pt; position: var(--position); top: 22.5pt; width: 159.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 159.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.74pt; position: var(--position); text-decoration: none; white-space: pre;">Increase (decrease) due to changes in<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 21.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 165pt; overflow: hidden; position: var(--position); top: 36.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.3pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.67pt; position: var(--position); text-decoration: none; white-space: pre;">volume<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 218.25pt; overflow: hidden; position: var(--position); top: 36.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.3pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.16pt; position: var(--position); text-decoration: none; white-space: pre;">rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 271.5pt; position: var(--position); top: 36.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 11.25pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.12pt; position: var(--position); text-decoration: none; white-space: pre;">Net change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 324.75pt; overflow: hidden; position: var(--position); top: 36.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.3pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.67pt; position: var(--position); text-decoration: none; white-space: pre;">volume<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 378pt; overflow: hidden; position: var(--position); top: 36.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.3pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.16pt; position: var(--position); text-decoration: none; white-space: pre;">rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 431.25pt; position: var(--position); top: 36.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 11.25pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.12pt; position: var(--position); text-decoration: none; white-space: pre;">Net change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 165pt; position: var(--position); top: 58.5pt; width: 159.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 159.75pt;"><span style="color: #000000; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 53.7pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR millions)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 324.75pt; position: var(--position); top: 58.5pt; width: 159.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 159.75pt;"><span style="color: #000000; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 53.7pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR millions)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; overflow: hidden; position: var(--position); top: 72.75pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest-bearing liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="2" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; overflow: hidden; position: var(--position); top: 84pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Time deposits from banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 7.5pt; overflow: hidden; position: var(--position); top: 95.25pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 165pt; position: var(--position); top: 95.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.36pt;"></span></span><span style="left: 35.99pt; position: var(--position);">-55<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 218.25pt; position: var(--position); top: 95.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">1,014<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 271.5pt; position: var(--position); top: 95.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">958<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 324.75pt; position: var(--position); top: 95.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 378pt; position: var(--position); top: 95.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.09pt;"></span></span><span style="left: 31.72pt; position: var(--position);">-284<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 431.25pt; position: var(--position); top: 95.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.09pt;"></span></span><span style="left: 31.72pt; position: var(--position);">-284<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 7.5pt; overflow: hidden; position: var(--position); top: 106.5pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 165pt; position: var(--position); top: 106.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.36pt;"></span></span><span style="left: 35.99pt; position: var(--position);">-55<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 218.25pt; position: var(--position); top: 106.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">369<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 271.5pt; position: var(--position); top: 106.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">314<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 324.75pt; position: var(--position); top: 106.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.21pt;"></span></span><span style="left: 41.84pt; position: var(--position);">-1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 378pt; position: var(--position); top: 106.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.15pt;"></span></span><span style="left: 36.78pt; position: var(--position);">-80<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 431.25pt; position: var(--position); top: 106.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.15pt;"></span></span><span style="left: 36.78pt; position: var(--position);">-82<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; overflow: hidden; position: var(--position); top: 117.75pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Demand deposits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 7.5pt; overflow: hidden; position: var(--position); top: 129pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 165pt; position: var(--position); top: 129pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.36pt;"></span></span><span style="left: 35.99pt; position: var(--position);">-36<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 218.25pt; position: var(--position); top: 129pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">700<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 271.5pt; position: var(--position); top: 129pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">664<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 324.75pt; position: var(--position); top: 129pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">11<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 378pt; position: var(--position); top: 129pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">241<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 431.25pt; position: var(--position); top: 129pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">251<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 7.5pt; overflow: hidden; position: var(--position); top: 140.25pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 165pt; position: var(--position); top: 140.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.36pt;"></span></span><span style="left: 35.99pt; position: var(--position);">-13<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 218.25pt; position: var(--position); top: 140.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">276<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 271.5pt; position: var(--position); top: 140.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">263<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 324.75pt; position: var(--position); top: 140.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 378pt; position: var(--position); top: 140.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">78<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 431.25pt; position: var(--position); top: 140.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">79<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; overflow: hidden; position: var(--position); top: 151.5pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Time deposits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 7.5pt; overflow: hidden; position: var(--position); top: 162.75pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 165pt; position: var(--position); top: 162.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">142<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 218.25pt; position: var(--position); top: 162.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">1,268<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 271.5pt; position: var(--position); top: 162.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">1,411<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 324.75pt; position: var(--position); top: 162.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">53<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 378pt; position: var(--position); top: 162.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">479<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 431.25pt; position: var(--position); top: 162.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">531<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 7.5pt; overflow: hidden; position: var(--position); top: 174pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 165pt; position: var(--position); top: 174pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">1,278<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 218.25pt; position: var(--position); top: 174pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">249<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 271.5pt; position: var(--position); top: 174pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">1,527<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 324.75pt; position: var(--position); top: 174pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">50<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 378pt; position: var(--position); top: 174pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">209<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 431.25pt; position: var(--position); top: 174pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">259<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; overflow: hidden; position: var(--position); top: 185.25pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Savings deposits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 7.5pt; overflow: hidden; position: var(--position); top: 196.5pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 165pt; position: var(--position); top: 196.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.77pt;"></span></span><span style="left: 44.400000000000006pt; position: var(--position);">5<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 218.25pt; position: var(--position); top: 196.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">1,207<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 271.5pt; position: var(--position); top: 196.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">1,212<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 324.75pt; position: var(--position); top: 196.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);">3<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 378pt; position: var(--position); top: 196.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">10<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 431.25pt; position: var(--position); top: 196.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">13<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 7.5pt; overflow: hidden; position: var(--position); top: 207.75pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 165pt; position: var(--position); top: 207.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.77pt;"></span></span><span style="left: 44.400000000000006pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 218.25pt; position: var(--position); top: 207.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">2,249<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 271.5pt; position: var(--position); top: 207.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">2,253<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 324.75pt; position: var(--position); top: 207.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.15pt;"></span></span><span style="left: 36.78pt; position: var(--position);">-50<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 378pt; position: var(--position); top: 207.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">464<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 431.25pt; position: var(--position); top: 207.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">414<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; overflow: hidden; position: var(--position); top: 219pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Short term debt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 7.5pt; overflow: hidden; position: var(--position); top: 230.25pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 165pt; position: var(--position); top: 230.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.71pt;"></span></span><span style="left: 39.34pt; position: var(--position);">25<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 218.25pt; position: var(--position); top: 230.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">208<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 271.5pt; position: var(--position); top: 230.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">233<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 324.75pt; position: var(--position); top: 230.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 378pt; position: var(--position); top: 230.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">45<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 431.25pt; position: var(--position); top: 230.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">46<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 7.5pt; overflow: hidden; position: var(--position); top: 241.5pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 165pt; position: var(--position); top: 241.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.36pt;"></span></span><span style="left: 35.99pt; position: var(--position);">-16<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 218.25pt; position: var(--position); top: 241.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.71pt;"></span></span><span style="left: 39.34pt; position: var(--position);">49<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 271.5pt; position: var(--position); top: 241.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.71pt;"></span></span><span style="left: 39.34pt; position: var(--position);">33<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 324.75pt; position: var(--position); top: 241.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.21pt;"></span></span><span style="left: 41.84pt; position: var(--position);">-4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 378pt; position: var(--position); top: 241.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">31<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 431.25pt; position: var(--position); top: 241.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">28<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 23.25pt;"><td colspan="2" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 0pt; position: var(--position); top: 252.75pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Securities sold under agreements to <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">repurchase&#160;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 276pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 165pt; position: var(--position); top: 276pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.77pt;"></span></span><span style="left: 44.400000000000006pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 218.25pt; position: var(--position); top: 276pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">435<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 276pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">440<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324.75pt; position: var(--position); top: 276pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 378pt; position: var(--position); top: 276pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">38<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 276pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">38<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 288pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 165pt; position: var(--position); top: 288pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.71pt;"></span></span><span style="left: 39.34pt; position: var(--position);">96<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 218.25pt; position: var(--position); top: 288pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">3,013<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 288pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">3,109<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324.75pt; position: var(--position); top: 288pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">12<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 378pt; position: var(--position); top: 288pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);">1,060<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 288pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);">1,072<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; overflow: hidden; position: var(--position); top: 300pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Commercial paper<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 311.25pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 165pt; position: var(--position); top: 311.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.71pt;"></span></span><span style="left: 39.34pt; position: var(--position);">33<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 218.25pt; position: var(--position); top: 311.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">409<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 311.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">442<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324.75pt; position: var(--position); top: 311.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);">4<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 378pt; position: var(--position); top: 311.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">35<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 311.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">40<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 323.25pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 165pt; position: var(--position); top: 323.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">140<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 218.25pt; position: var(--position); top: 323.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">809<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 323.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">949<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324.75pt; position: var(--position); top: 323.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);">2<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 378pt; position: var(--position); top: 323.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">220<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 323.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">222<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 335.25pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Long term debt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 347.25pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 165pt; position: var(--position); top: 347.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">154<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 218.25pt; position: var(--position); top: 347.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">328<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 347.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">482<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324.75pt; position: var(--position); top: 347.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 378pt; position: var(--position); top: 347.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">101<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 347.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">101<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 359.25pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 165pt; position: var(--position); top: 359.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.71pt;"></span></span><span style="left: 39.34pt; position: var(--position);">44<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 218.25pt; position: var(--position); top: 359.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">247<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 359.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">291<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324.75pt; position: var(--position); top: 359.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">21<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 378pt; position: var(--position); top: 359.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">69<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 359.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">90<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; overflow: hidden; position: var(--position); top: 371.25pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Subordinated liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 382.5pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 165pt; position: var(--position); top: 382.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.36pt;"></span></span><span style="left: 35.99pt; position: var(--position);">-10<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 218.25pt; position: var(--position); top: 382.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.71pt;"></span></span><span style="left: 39.34pt; position: var(--position);">71<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 382.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.71pt;"></span></span><span style="left: 39.34pt; position: var(--position);">61<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324.75pt; position: var(--position); top: 382.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">36<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 378pt; position: var(--position); top: 382.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">41<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 382.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">76<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 394.5pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 165pt; position: var(--position); top: 394.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.83pt;"></span></span><span style="left: 49.46pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 218.25pt; position: var(--position); top: 394.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.83pt;"></span></span><span style="left: 49.46pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 394.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.83pt;"></span></span><span style="left: 49.46pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324.75pt; position: var(--position); top: 394.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 378pt; position: var(--position); top: 394.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 394.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; overflow: hidden; position: var(--position); top: 406.5pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other interest-bearing liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 417.75pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 165pt; position: var(--position); top: 417.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.71pt;"></span></span><span style="left: 39.34pt; position: var(--position);">62<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 218.25pt; position: var(--position); top: 417.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">396<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 417.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">458<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324.75pt; position: var(--position); top: 417.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 378pt; position: var(--position); top: 417.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">221<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 417.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">222<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 429.75pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 165pt; position: var(--position); top: 429.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.42pt;"></span></span><span style="left: 41.050000000000004pt; position: var(--position);">-2<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 218.25pt; position: var(--position); top: 429.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">138<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 429.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">136<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324.75pt; position: var(--position); top: 429.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 378pt; position: var(--position); top: 429.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">87<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 429.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">88<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 441.75pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest expense<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 453.75pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 165pt; position: var(--position); top: 453.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.65pt;"></span></span><span style="left: 34.28pt; position: var(--position);">323<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 218.25pt; position: var(--position); top: 453.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">6,038<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 453.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">6,361<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324.75pt; position: var(--position); top: 453.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">108<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 378pt; position: var(--position); top: 453.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">927<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 453.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);">1,035<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 465.75pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 165pt; position: var(--position); top: 465.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">1,476<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 218.25pt; position: var(--position); top: 465.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">7,400<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 465.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">8,876<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324.75pt; position: var(--position); top: 465.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">32<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 378pt; position: var(--position); top: 465.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);">2,137<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 465.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);">2,169<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; overflow: hidden; position: var(--position); top: 477.75pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 165pt; position: var(--position); top: 477.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.71pt;"></span></span><span style="left: 26.34pt; position: var(--position);">1,799<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 218.25pt; position: var(--position); top: 477.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.47pt;"></span></span><span style="left: 21.099999999999998pt; position: var(--position);">13,438<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 271.5pt; position: var(--position); top: 477.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.47pt;"></span></span><span style="left: 21.099999999999998pt; position: var(--position);">15,237<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 324.75pt; position: var(--position); top: 477.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.9pt;"></span></span><span style="left: 34.53pt; position: var(--position);">140<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 378pt; position: var(--position); top: 477.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.5pt;"></span></span><span style="left: 27.13pt; position: var(--position);">3,064<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 431.25pt; position: var(--position); top: 477.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.5pt;"></span></span><span style="left: 27.13pt; position: var(--position);">3,204<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; overflow: hidden; position: var(--position); top: 489pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other interest expense<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 271.5pt; position: var(--position); top: 489pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">7,219<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 431.25pt; position: var(--position); top: 489pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);">3,525<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">230<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 7.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 157.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/></tr><tr style="height: 9.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 165pt; position: var(--position); top: 9.75pt; width: 159.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 159.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 47.68pt; position: var(--position); text-decoration: none; white-space: pre;">2023 over 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 324.75pt; position: var(--position); top: 9.75pt; width: 159.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 159.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 47.68pt; position: var(--position); text-decoration: none; white-space: pre;">2022 over 2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 165pt; position: var(--position); top: 22.5pt; width: 159.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 159.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.74pt; position: var(--position); text-decoration: none; white-space: pre;">Increase (decrease) due to changes in<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 324.75pt; position: var(--position); top: 22.5pt; width: 159.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 159.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.74pt; position: var(--position); text-decoration: none; white-space: pre;">Increase (decrease) due to changes in<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 21.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 165pt; overflow: hidden; position: var(--position); top: 36.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.3pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.67pt; position: var(--position); text-decoration: none; white-space: pre;">volume<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 218.25pt; overflow: hidden; position: var(--position); top: 36.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.3pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.16pt; position: var(--position); text-decoration: none; white-space: pre;">rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 271.5pt; position: var(--position); top: 36.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 11.25pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.12pt; position: var(--position); text-decoration: none; white-space: pre;">Net change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 324.75pt; overflow: hidden; position: var(--position); top: 36.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.3pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.67pt; position: var(--position); text-decoration: none; white-space: pre;">volume<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 378pt; overflow: hidden; position: var(--position); top: 36.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.3pt; position: var(--position); text-decoration: none; white-space: pre;">Average <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.16pt; position: var(--position); text-decoration: none; white-space: pre;">rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 431.25pt; position: var(--position); top: 36.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 11.25pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.12pt; position: var(--position); text-decoration: none; white-space: pre;">Net change<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 165pt; position: var(--position); top: 58.5pt; width: 159.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 159.75pt;"><span style="color: #000000; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 53.7pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR millions)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 324.75pt; position: var(--position); top: 58.5pt; width: 159.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 159.75pt;"><span style="color: #000000; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 53.7pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR millions)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; overflow: hidden; position: var(--position); top: 72.75pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total interest expense<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 271.5pt; position: var(--position); top: 72.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.47pt;"></span></span><span style="left: 21.099999999999998pt; position: var(--position);">22,456<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 431.25pt; position: var(--position); top: 72.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.5pt;"></span></span><span style="left: 27.13pt; position: var(--position);">6,729<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 98.25pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 165pt; position: var(--position); top: 98.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.3pt;"></span></span><span style="left: 30.93pt; position: var(--position);">-401<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 218.25pt; position: var(--position); top: 98.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.08pt;"></span></span><span style="left: 23.709999999999997pt; position: var(--position);">-1,146<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 98.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.08pt;"></span></span><span style="left: 23.709999999999997pt; position: var(--position);">-1,546<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324.75pt; position: var(--position); top: 98.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.09pt;"></span></span><span style="left: 31.72pt; position: var(--position);">-166<span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 378pt; position: var(--position); top: 98.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.21pt;"></span></span><span style="left: 41.84pt; position: var(--position);">-1<span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 98.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.09pt;"></span></span><span style="left: 31.72pt; position: var(--position);">-167<span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 7.5pt; position: var(--position); top: 110.25pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 165pt; position: var(--position); top: 110.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.08pt;"></span></span><span style="left: 23.709999999999997pt; position: var(--position);">-1,521<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 218.25pt; position: var(--position); top: 110.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">5,738<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 110.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.43pt;"></span></span><span style="left: 27.06pt; position: var(--position);">4,217<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324.75pt; position: var(--position); top: 110.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">420<span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 378pt; position: var(--position); top: 110.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);">2,394<span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 110.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);">2,814<span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 122.25pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 165pt; position: var(--position); top: 122.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.23pt;"></span></span><span style="left: 22.86pt; position: var(--position);">-1,921<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 218.25pt; position: var(--position); top: 122.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.71pt;"></span></span><span style="left: 26.34pt; position: var(--position);">4,592<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 122.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.71pt;"></span></span><span style="left: 26.34pt; position: var(--position);">2,671<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 324.75pt; position: var(--position); top: 122.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.9pt;"></span></span><span style="left: 34.53pt; position: var(--position);">254<span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 378pt; position: var(--position); top: 122.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.5pt;"></span></span><span style="left: 27.13pt; position: var(--position);">2,393<span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 122.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.5pt;"></span></span><span style="left: 27.13pt; position: var(--position);">2,647<span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 134.25pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other net interest result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 134.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.08pt;"></span></span><span style="left: 23.709999999999997pt; position: var(--position);">-1,101<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 134.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.87pt;"></span></span><span style="left: 24.5pt; position: var(--position);">-2,054<span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="2" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 146.25pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 146.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.71pt;"></span></span><span style="left: 26.34pt; position: var(--position);">1,570<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 431.25pt; position: var(--position); top: 146.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.9pt;"></span></span><span style="left: 34.53pt; position: var(--position);">593<span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 243.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The following table shows the interest spread and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 264.7pt; position: var(--position); text-decoration: none; white-space: pre;">net interest margin<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 351.17999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> for the past two years.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 270.16pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 7.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 345pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 62.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 69.75pt;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 12.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 62.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 38.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 12.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 46.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 352.5pt; position: var(--position); top: 25.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 62.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.93pt; position: var(--position); text-decoration: none; white-space: pre;">Average rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 25.5pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 69.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.43pt; position: var(--position); text-decoration: none; white-space: pre;">Average rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 39.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 62.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 51.17pt; position: var(--position); text-decoration: none; white-space: pre;">%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 39.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 58.67pt; position: var(--position); text-decoration: none; white-space: pre;">%<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 352.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 352.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest spread<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 7.5pt; position: var(--position); top: 65.25pt; width: 345pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 345pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 65.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.39pt;"></span></span><span style="left: 44.02pt; position: var(--position);">0.9<span style="display: inline-block; height: 6.75pt; width: 2.95pt;"></span></span><span style="left: 59.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 65.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.89pt;"></span></span><span style="left: 51.52pt; position: var(--position);">1.0<span style="display: inline-block; height: 6.75pt; width: 2.95pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 7.5pt; position: var(--position); top: 78pt; width: 345pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 345pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 78pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.39pt;"></span></span><span style="left: 44.02pt; position: var(--position);">2.2<span style="display: inline-block; height: 6.75pt; width: 2.95pt;"></span></span><span style="left: 59.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 78pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.89pt;"></span></span><span style="left: 51.52pt; position: var(--position);">1.8<span style="display: inline-block; height: 6.75pt; width: 2.95pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 352.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 352.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 90.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.03pt;"></span></span><span style="left: 43.660000000000004pt; position: var(--position);">1.8<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span><span style="left: 59.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 90.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.53pt;"></span></span><span style="left: 51.160000000000004pt; position: var(--position);">1.5<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span><span style="left: 66.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 103.5pt; width: 352.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 352.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest margin<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 7.5pt; position: var(--position); top: 117.75pt; width: 345pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 345pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Domestic<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 117.75pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.39pt;"></span></span><span style="left: 44.02pt; position: var(--position);">0.3<span style="display: inline-block; height: 6.75pt; width: 2.95pt;"></span></span><span style="left: 59.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 117.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.89pt;"></span></span><span style="left: 51.52pt; position: var(--position);">0.7<span style="display: inline-block; height: 6.75pt; width: 2.95pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 7.5pt; position: var(--position); top: 130.5pt; width: 345pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 345pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Foreign<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 130.5pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.39pt;"></span></span><span style="left: 44.02pt; position: var(--position);">2.6<span style="display: inline-block; height: 6.75pt; width: 2.95pt;"></span></span><span style="left: 59.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 130.5pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.89pt;"></span></span><span style="left: 51.52pt; position: var(--position);">1.9<span style="display: inline-block; height: 6.75pt; width: 2.95pt;"></span></span><span style="left: 66.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 143.25pt; width: 352.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 352.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 352.5pt; position: var(--position); top: 143.25pt; width: 62.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 62.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.03pt;"></span></span><span style="left: 43.660000000000004pt; position: var(--position);">1.9<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span><span style="left: 59.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 143.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 69.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.53pt;"></span></span><span style="left: 51.160000000000004pt; position: var(--position);">1.5<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span><span style="left: 66.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Investments in debt securities<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following tables show the weighted average yield of ING&#8217;s investments on debt securities measured at <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">amortised cost and fair value through other comprehensive income. The weighted average yield is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 105.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">calculated as follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 132.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: underline; white-space: pre;">Nominal value * coupon rate * remaining maturity<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 144.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Nominal value * remaining maturity<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 171.71pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 231pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 231pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 231pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Weighted average yield<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 14.25pt; width: 231pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 231pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 231pt; position: var(--position); top: 14.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.34pt; position: var(--position); text-decoration: none; white-space: pre;">1 year or less<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 294pt; position: var(--position); top: 14.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.67pt; position: var(--position); text-decoration: none; white-space: pre;">Between 1 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.03pt; position: var(--position); text-decoration: none; white-space: pre;">and 5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 357pt; position: var(--position); top: 14.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.67pt; position: var(--position); text-decoration: none; white-space: pre;">Between 5 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 6.79pt; position: var(--position); text-decoration: none; white-space: pre;">and 10 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 420pt; position: var(--position); top: 14.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.22pt; position: var(--position); text-decoration: none; white-space: pre;">Over 10 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 38.25pt; width: 231pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 231pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fair value through other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 52.5pt; width: 231pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 231pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Government bonds<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 231pt; position: var(--position); top: 52.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">2.26<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 294pt; position: var(--position); top: 52.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">3.80<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 357pt; position: var(--position); top: 52.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">2.81<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 420pt; position: var(--position); top: 52.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">3.48<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66.75pt; width: 231pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 231pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Central Bank bonds<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 81pt; width: 231pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 231pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Sub-sovereign, Supranationals and Agencies<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 231pt; position: var(--position); top: 81pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">3.98<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 294pt; position: var(--position); top: 81pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">2.74<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 357pt; position: var(--position); top: 81pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">2.29<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 420pt; position: var(--position); top: 81pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">3.41<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 95.25pt; width: 231pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 231pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Covered bonds<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 231pt; position: var(--position); top: 95.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">1.86<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 294pt; position: var(--position); top: 95.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">2.15<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 357pt; position: var(--position); top: 95.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">2.37<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 109.5pt; width: 231pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 231pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate bonds<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 231pt; position: var(--position); top: 109.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">3.66<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 294pt; position: var(--position); top: 109.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">0.38<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 123.75pt; width: 231pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 231pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial institutions bonds<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 231pt; position: var(--position); top: 123.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">3.66<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 294pt; position: var(--position); top: 123.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">2.92<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 357pt; position: var(--position); top: 123.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">3.67<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 138pt; width: 231pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 231pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ABS portfolio<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 294pt; position: var(--position); top: 138pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">4.50<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 357pt; position: var(--position); top: 138pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">4.42<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 420pt; position: var(--position); top: 138pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">4.62<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 8pt; position: var(--position); top: 328.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">Since substantially all investment securities held by the banking operations of the Company are taxable securities, the yields are on <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 338.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">tax-equivalent basis.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="position: var(--position); top: 357.76pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 482.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 230.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 63pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 230.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 230.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Weighted average yield<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 14.25pt; width: 230.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 230.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 230.25pt; position: var(--position); top: 14.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.34pt; position: var(--position); text-decoration: none; white-space: pre;">1 year or less<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 293.25pt; position: var(--position); top: 14.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.67pt; position: var(--position); text-decoration: none; white-space: pre;">Between 1 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.03pt; position: var(--position); text-decoration: none; white-space: pre;">and 5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 356.25pt; position: var(--position); top: 14.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.67pt; position: var(--position); text-decoration: none; white-space: pre;">Between 5 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 6.79pt; position: var(--position); text-decoration: none; white-space: pre;">and 10 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 419.25pt; position: var(--position); top: 14.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 3.22pt; position: var(--position); text-decoration: none; white-space: pre;">Over 10 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 38.25pt; width: 230.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 230.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Securities at amortised cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 52.5pt; width: 230.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 230.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Government bonds<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 52.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">2.73<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 293.25pt; position: var(--position); top: 52.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">2.96<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 356.25pt; position: var(--position); top: 52.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">1.82<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 419.25pt; position: var(--position); top: 52.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">4.43<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66.75pt; width: 230.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 230.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Central Bank bonds<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 66.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">0.04<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 81pt; width: 230.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 230.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Sub-sovereign, Supranationals and Agencies<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 81pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">1.78<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 293.25pt; position: var(--position); top: 81pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">1.67<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 356.25pt; position: var(--position); top: 81pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">1.69<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 419.25pt; position: var(--position); top: 81pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">2.63<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 95.25pt; width: 230.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 230.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Covered bonds<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 95.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">1.11<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 293.25pt; position: var(--position); top: 95.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">1.13<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 356.25pt; position: var(--position); top: 95.25pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">1.23<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 109.5pt; width: 230.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 230.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate bonds<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 109.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">7.32<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 293.25pt; position: var(--position); top: 109.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">4.29<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 356.25pt; position: var(--position); top: 109.5pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">7.32<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 123.75pt; width: 230.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 230.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial institutions bonds<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 123.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">6.77<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 293.25pt; position: var(--position); top: 123.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">3.26<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 356.25pt; position: var(--position); top: 123.75pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">1.54<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 138pt; width: 230.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 230.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ABS portfolio<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 138pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">4.39<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 293.25pt; position: var(--position); top: 138pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">4.40<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 356.25pt; position: var(--position); top: 138pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">5.33<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #c1c1c1; border-top: 1pt solid #c1c1c1; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 419.25pt; position: var(--position); top: 138pt; width: 63pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 63pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 34.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.31pt; position: var(--position);">5.32<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 54.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 8pt; position: var(--position); top: 515.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">Since substantially all investment securities held by the banking operations of the Company are taxable securities, the yields are on <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 524.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">tax-equivalent basis.<span style="display: inline-block; height: 6pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">231<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Loan Portfolio<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks and customers<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks include all receivables from credit institutions, except for cash, current <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 108.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">accounts and deposits with other banks (including central banks). Loans and advances to customers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 120.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">includes lending facilities to corporate and private customers encompass among others, loans, overdrafts <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 132.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and finance lease receivables. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 161.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Maturities and sensitivity of loans to changes in interest rates<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The following table analyses loans and advances to banks and customers by time remaining until maturity <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 189.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as of 31 December 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 201.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 239.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 36.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 0pt; position: var(--position); top: 12pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 239.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 239.25pt; position: var(--position); top: 12pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.45pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.16pt; position: var(--position); text-decoration: none; white-space: pre;">1 year or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.33pt; position: var(--position); text-decoration: none; white-space: pre;">less<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 287.25pt; position: var(--position); top: 12pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.45pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.09pt; position: var(--position); text-decoration: none; white-space: pre;">1 year to <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.69pt; position: var(--position); text-decoration: none; white-space: pre;">5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 335.25pt; position: var(--position); top: 12pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.65pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.94pt; position: var(--position); text-decoration: none; white-space: pre;">5 years <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 15.45pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.87pt; position: var(--position); text-decoration: none; white-space: pre;">through 15 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.25pt; position: var(--position); text-decoration: none; white-space: pre;">years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 388.5pt; position: var(--position); top: 12pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.45pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.93pt; position: var(--position); text-decoration: none; white-space: pre;">After 15 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23pt; position: var(--position); text-decoration: none; white-space: pre;">years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 436.5pt; position: var(--position); top: 12pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 48.75pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 239.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">By domestic offices:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 63pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 239.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 63pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);">8,982<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 63pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);">445<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 63pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);">26<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 388.5pt; position: var(--position); top: 63pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.31pt;"></span></span><span style="left: 39.940000000000005pt; position: var(--position);">0<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 63pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);">9,453<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 77.25pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 239.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans to public authorities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 77.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);">194<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 77.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);">308<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 77.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">553<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 388.5pt; position: var(--position); top: 77.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.25pt;"></span></span><span style="left: 34.88pt; position: var(--position);">15<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 77.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);">1,070<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 91.5pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 239.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Residential mortgages<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 91.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);">2,244<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 91.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);">12,404<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 91.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.16pt;"></span></span><span style="left: 22.79pt; position: var(--position);">46,865<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 388.5pt; position: var(--position); top: 91.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);">50,632<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 91.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.85pt;"></span></span><span style="left: 12.48pt; position: var(--position);">112,145<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 105.75pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 239.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other personal lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 105.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);">947<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 105.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);">2,151<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 105.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);">1,399<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 388.5pt; position: var(--position); top: 105.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);">540<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 105.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);">5,036<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 120pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 239.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 120pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);">22,462<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 120pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);">29,792<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 120pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.16pt;"></span></span><span style="left: 22.79pt; position: var(--position);">10,165<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 388.5pt; position: var(--position); top: 120pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);">258<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 120pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);">62,677<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 134.25pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 239.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total domestic offices<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 134.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.01pt;"></span></span><span style="left: 16.64pt; position: var(--position);">34,829<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 134.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.01pt;"></span></span><span style="left: 16.64pt; position: var(--position);">45,100<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 134.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.26pt;"></span></span><span style="left: 21.89pt; position: var(--position);">59,007<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 388.5pt; position: var(--position); top: 134.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.01pt;"></span></span><span style="left: 16.64pt; position: var(--position);">51,445<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 134.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.77pt;"></span></span><span style="left: 11.399999999999999pt; position: var(--position);">190,381<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 161.25pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 239.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">By foreign offices:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 175.5pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 239.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 175.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);">5,798<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 175.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);">1,083<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 175.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);">388<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 388.5pt; position: var(--position); top: 175.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.25pt;"></span></span><span style="left: 34.88pt; position: var(--position);">17<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 175.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);">7,286<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 189.75pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 239.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans to public authorities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 189.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);">4,224<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 189.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);">3,070<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 189.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);">4,862<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 388.5pt; position: var(--position); top: 189.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);">1,157<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 189.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);">13,314<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 204pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 239.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Residential mortgages<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 204pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);">12,649<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 204pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);">48,806<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 204pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.16pt;"></span></span><span style="left: 22.79pt; position: var(--position);">84,717<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 388.5pt; position: var(--position); top: 204pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);">71,189<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 204pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.85pt;"></span></span><span style="left: 12.48pt; position: var(--position);">217,361<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 218.25pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 239.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other personal lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 218.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);">8,968<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 218.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);">14,988<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 218.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);">5,414<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 388.5pt; position: var(--position); top: 218.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);">2,165<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 218.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);">31,535<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 232.5pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 239.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 232.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);">79,524<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 232.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.85pt;"></span></span><span style="left: 12.48pt; position: var(--position);">101,436<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 232.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.16pt;"></span></span><span style="left: 22.79pt; position: var(--position);">27,282<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 388.5pt; position: var(--position); top: 232.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);">1,553<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 232.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.85pt;"></span></span><span style="left: 12.48pt; position: var(--position);">209,795<span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 246.75pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 239.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total foreign offices<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 246.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.77pt;"></span></span><span style="left: 11.399999999999999pt; position: var(--position);">111,163<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 246.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.77pt;"></span></span><span style="left: 11.399999999999999pt; position: var(--position);">169,383<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 246.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.02pt;"></span></span><span style="left: 16.65pt; position: var(--position);">122,664<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 388.5pt; position: var(--position); top: 246.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.01pt;"></span></span><span style="left: 16.64pt; position: var(--position);">76,081<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 246.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.77pt;"></span></span><span style="left: 11.399999999999999pt; position: var(--position);">479,291<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 261pt; width: 239.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 239.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total gross loans and advances to banks and customers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 261pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.77pt;"></span></span><span style="left: 11.399999999999999pt; position: var(--position);">145,992<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 261pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.77pt;"></span></span><span style="left: 11.399999999999999pt; position: var(--position);">214,483<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 261pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.02pt;"></span></span><span style="left: 16.65pt; position: var(--position);">181,671<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 388.5pt; position: var(--position); top: 261pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.77pt;"></span></span><span style="left: 11.399999999999999pt; position: var(--position);">127,526<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 261pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.77pt;"></span></span><span style="left: 11.399999999999999pt; position: var(--position);">669,672<span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following table analyzes loans and advances to banks and customers by interest rate sensitivity by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">maturity as of 31 December 2023 for loans and advances due after one year.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 103.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 458.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 248.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 101.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 108.75pt;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 248.25pt; position: var(--position); top: 12pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.45pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.52pt; position: var(--position); text-decoration: none; white-space: pre;">Predetermined interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.25pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 78.13pt; position: var(--position); text-decoration: none; white-space: pre;">rates<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 349.5pt; position: var(--position); top: 12pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.45pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.11pt; position: var(--position); text-decoration: none; white-space: pre;">Floating or adjustable <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.25pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 46.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest rates <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 102.83pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 36.75pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 36.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.65pt;"></span></span><span style="left: 82.28pt; position: var(--position);">367<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 36.75pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.93pt;"></span></span><span style="left: 82.56pt; position: var(--position);">1,591<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 51pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans to public authorities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 51pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.43pt;"></span></span><span style="left: 75.06pt; position: var(--position);">6,586<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 51pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.93pt;"></span></span><span style="left: 82.56pt; position: var(--position);">3,380<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 65.25pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Residential mortgages<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 65.25pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.31pt;"></span></span><span style="left: 64.94pt; position: var(--position);">225,976<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 65.25pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.87pt;"></span></span><span style="left: 77.5pt; position: var(--position);">88,638<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 79.5pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other personal lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 79.5pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.37pt;"></span></span><span style="left: 70pt; position: var(--position);">21,646<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 79.5pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.93pt;"></span></span><span style="left: 82.56pt; position: var(--position);">5,011<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 93.75pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 93.75pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.37pt;"></span></span><span style="left: 70pt; position: var(--position);">52,786<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 93.75pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.81pt;"></span></span><span style="left: 72.44pt; position: var(--position);">117,700<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 108pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 108pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.23pt;"></span></span><span style="left: 63.86pt; position: var(--position);">307,361<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 108pt; width: 108.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 108.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.73pt;"></span></span><span style="left: 71.36pt; position: var(--position);">216,319<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 8pt; position: var(--position); top: 246.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">Loans that have an interest rate that remains fixed for more than one year and which can then be changed are classified as <span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 8pt; position: var(--position); top: 255.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">&#8220;adjustable interest rates&#8221;.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 282.36pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Allowance for credit losses<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 296.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following table presents the movements in allocation of the provision for loan losses on loans accounted <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 311.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for as loans and advances to banks and customers for 2023, 2022 and 2021 under IFRS-IASB.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 338.16pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 320.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 320.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 320.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Movements in allocation of the provision for loan losses on loans<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 14.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 59.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 35.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 379.5pt; position: var(--position); top: 14.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 53.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 29.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 432.75pt; position: var(--position); top: 14.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 51.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.16pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 320.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 320.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance on 1 January<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 320.25pt; position: var(--position); top: 27pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.87pt;"></span></span><span style="left: 25.5pt; position: var(--position);">6,101<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 27pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.87pt;"></span></span><span style="left: 19.5pt; position: var(--position);">5,368<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 27pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.37pt;"></span></span><span style="left: 18pt; position: var(--position);">5,854<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 320.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 320.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Impact of changes in accounting policies<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 320.25pt; position: var(--position); top: 41.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.15pt;"></span></span><span style="left: 37.78pt; position: var(--position);">95<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 320.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 320.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Write-offs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 320.25pt; position: var(--position); top: 55.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.52pt;"></span></span><span style="left: 22.15pt; position: var(--position);">-1,111<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 55.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.52pt;"></span></span><span style="left: 16.15pt; position: var(--position);">-1,130<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 55.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.24pt;"></span></span><span style="left: 21.869999999999997pt; position: var(--position);">-854<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 320.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 320.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Recoveries<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 320.25pt; position: var(--position); top: 69.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.15pt;"></span></span><span style="left: 37.78pt; position: var(--position);">71<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 69.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.15pt;"></span></span><span style="left: 31.779999999999998pt; position: var(--position);">71<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 69.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.65pt;"></span></span><span style="left: 30.279999999999998pt; position: var(--position);">45<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 320.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 320.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net write-offs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 320.25pt; position: var(--position); top: 84pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.67pt;"></span></span><span style="left: 21.3pt; position: var(--position);">-1,039<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 84pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.67pt;"></span></span><span style="left: 15.3pt; position: var(--position);">-1,059<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 84pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.57pt;"></span></span><span style="left: 21.2pt; position: var(--position);">-809<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 98.25pt; width: 320.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 320.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Additions and other adjustments (included in value Adjustments&#160; to <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 320.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">receivables of the Banking operations)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 320.25pt; position: var(--position); top: 98.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.09pt;"></span></span><span style="left: 32.72pt; position: var(--position);">682<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 379.5pt; position: var(--position); top: 98.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.87pt;"></span></span><span style="left: 19.5pt; position: var(--position);">1,792<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 432.75pt; position: var(--position); top: 98.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.59pt;"></span></span><span style="left: 25.22pt; position: var(--position);">324<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 122.25pt; width: 320.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 320.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance on 31 December<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 320.25pt; position: var(--position); top: 122.25pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.15pt;"></span></span><span style="left: 24.779999999999998pt; position: var(--position);">5,839<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 122.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.15pt;"></span></span><span style="left: 18.779999999999998pt; position: var(--position);">6,101<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 122.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.65pt;"></span></span><span style="left: 17.28pt; position: var(--position);">5,368<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 136.5pt; width: 320.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 320.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Average loans and advances to banks and customers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 320.25pt; position: var(--position); top: 136.5pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.75pt;"></span></span><span style="left: 15.379999999999999pt; position: var(--position);">671,424<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 136.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.75pt;"></span></span><span style="left: 9.379999999999999pt; position: var(--position);">670,013<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 136.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.25pt;"></span></span><span style="left: 7.88pt; position: var(--position);">644,853<span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 150.75pt; width: 320.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 320.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Ratio of net charge&#8209;offs to average loans and advances to banks and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 320.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">customers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 320.25pt; position: var(--position); top: 150.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.56pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.56pt; position: var(--position);">0.15<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 50.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 379.5pt; position: var(--position); top: 150.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 24.56pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 24.56pt; position: var(--position);">0.16<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 432.75pt; position: var(--position); top: 150.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 23.06pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 23.06pt; position: var(--position);">0.13<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 43.26pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 174.75pt; width: 320.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 320.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Ratio of allowance for credit losses to total loans and advances to banks and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 320.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">customers outstanding<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 320.25pt; position: var(--position); top: 174.75pt; width: 59.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 59.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.56pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.56pt; position: var(--position);">0.88<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 50.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 379.5pt; position: var(--position); top: 174.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 24.56pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 24.56pt; position: var(--position);">0.90<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 44.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 432.75pt; position: var(--position); top: 174.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 23.06pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 23.06pt; position: var(--position);">0.82<span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 43.26pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">232<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Additions to loan loss provisions have decreased compared to 2022. Loan loss provisions are<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 451.65999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"> influenced by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">developments in general macroeconomic conditions as well as certain individual exposures. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 451.99pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">made to Note 1 &#8216;Basis of preparation and material accounting policy information&#8217; and &#8216;Additional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">information &#8211; Risk Management&#8217; for detailed information on loan loss provisioning.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 14pt; position: var(--position); top: 130.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Deposits<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 147.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to &#8216;Additional information &#8211; Average balances and interest rates&#8217; for detailed information <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 164.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on average amount of and the average rate paid on deposit categories. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 191.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For the years ended 31 December 2023, 2022 and 2021 the aggregate amount of deposits by foreign <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 203.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">depositors in domestic offices was EUR 37,360 million, EUR 37,402 million and EUR 29,696 million <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 215.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">respectively.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 12pt; position: var(--position); top: 244.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Uninsured deposits<span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 258.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For the years ended 31 December 2023 and 2022 the amount of uninsured deposits, which were not <span style="display: inline-block; height: 9pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 273.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">covered by DGS, was EUR 182,155 million and EUR 184,032 million, respectively.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 300.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Deposit guarantee schemes (DGS) reimburse a limited amount to compensate depositors whose bank has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 312.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">failed. A fundamental principle underlying DGS is that they are funded entirely by banks, and that no <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 324.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">taxpayer funds are used. Under EU rules, the Deposit Guarantee Scheme (DGS) guarantees deposits up to a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 336.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">maximum of EUR 100,000 per depositor in case of a bank failure. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On 31 December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 140.07999999999998pt; position: var(--position); text-decoration: none; white-space: pre;">, the amount o<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 206.41pt; position: var(--position); text-decoration: none; white-space: pre;">f time deposits<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 272.55pt; position: var(--position); text-decoration: none; white-space: pre;"> in excess of (local) deposit insurance regime and time <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 375.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">deposits which are otherwise uninsured is as follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 387.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 240pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 122.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 122.25pt;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 240pt; position: var(--position); top: 12pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.23pt; position: var(--position); text-decoration: none; white-space: pre;">Time deposits in excess on <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 15.07pt; position: var(--position); text-decoration: none; white-space: pre;">deposit insurance regime<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 362.25pt; position: var(--position); top: 12pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 30.2pt; position: var(--position); text-decoration: none; white-space: pre;">Other uninsured Time <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 84.57pt; position: var(--position); text-decoration: none; white-space: pre;">deposits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 240pt; position: var(--position); top: 36pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 122.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 64.79pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR millions)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 362.25pt; position: var(--position); top: 36pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 122.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 64.79pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR millions)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 48.75pt; width: 240pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 240pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3 months or less<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 240pt; position: var(--position); top: 48.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.37pt;"></span></span><span style="left: 91pt; position: var(--position);">12,139<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 362.25pt; position: var(--position); top: 48.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 88.37pt;"></span></span><span style="left: 91pt; position: var(--position);">28,712<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 61.5pt; width: 240pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 240pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">6 months or less but over 3 months<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 240pt; position: var(--position); top: 61.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 93.43pt;"></span></span><span style="left: 96.06pt; position: var(--position);">2,661<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 362.25pt; position: var(--position); top: 61.5pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 93.43pt;"></span></span><span style="left: 96.06pt; position: var(--position);">6,641<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 74.25pt; width: 240pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 240pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">12 months or less but over 6 months<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 240pt; position: var(--position); top: 74.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 93.43pt;"></span></span><span style="left: 96.06pt; position: var(--position);">1,740<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 362.25pt; position: var(--position); top: 74.25pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 93.43pt;"></span></span><span style="left: 96.06pt; position: var(--position);">5,240<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 87pt; width: 240pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 240pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Over 12 months<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 240pt; position: var(--position); top: 87pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 100.65pt;"></span></span><span style="left: 103.28pt; position: var(--position);">619<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 362.25pt; position: var(--position); top: 87pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 93.43pt;"></span></span><span style="left: 96.06pt; position: var(--position);">4,238<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 99.75pt; width: 240pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 240pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 240pt; position: var(--position); top: 99.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.47pt;"></span></span><span style="left: 90.1pt; position: var(--position);">17,159<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 362.25pt; position: var(--position); top: 99.75pt; width: 122.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 122.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.47pt;"></span></span><span style="left: 90.1pt; position: var(--position);">44,830<span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For further detailed information on deposits reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 332.94000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">Note 12 'Deposits from banks'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 466.66999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 488.90999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">Note 13 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">'Customer deposits'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 127.98pt; position: var(--position); text-decoration: none; white-space: pre;"> of the consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 253.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_163"></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 13.5pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F <span style="display: inline-block; height: 7.5pt; width: 9.92pt;"></span></span><span style="left: 255.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 291.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 327.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 363.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 399.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 435.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 471.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 507.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 543.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 579.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 615.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 651.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 687.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 723.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 759.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 795.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 831.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 975.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.97pt; position: var(--position); white-space: pre;">233<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_166"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Contents<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="position: var(--position); top: 142.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 447pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 392.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 54.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 392.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 392.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_169">Report of Independent Registered Public Accounting Firm</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 392.25pt; position: var(--position); top: 0pt; width: 54.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 26.77pt; position: var(--position); text-decoration: none; white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 35.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_169">236</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 16pt; position: var(--position); top: 181.56pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated financial statements<span style="display: inline-block; height: 12pt;"></span></span></div><div style="position: var(--position); top: 200.76pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 446.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 393pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 393pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 393pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_172">Consolidated statement of financial position</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 0pt; width: 53.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 53.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 25.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 33.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_172">238</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 393pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 393pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_175">Consolidated statement of profit or loss</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 14.25pt; width: 53.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 53.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 25.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 33.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_175">239</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 393pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 393pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_178">Consolidated statement of comprehensive income</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 28.5pt; width: 53.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 53.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 25.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 33.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_178">240</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 393pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 393pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_181">Consolidated statement of changes in equity</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 42.75pt; width: 53.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 53.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 25.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 33.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_181">241</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 393pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 393pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_184">Consolidated statement of cash flows</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 57pt; width: 53.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 53.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 25.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 33.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_184">244</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 16pt; position: var(--position); top: 297.01pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">Notes to the consolidated financial statements<span style="display: inline-block; height: 12pt; width: 12.74pt;"></span></span></span></div><div style="position: var(--position); top: 316.21pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 471.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 26.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 357.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 27pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 0pt; width: 357.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 357.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_187">Basis of preparation and material accounting policy information</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 384pt; position: var(--position); top: 0pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_187">246</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="line-height: 16pt; position: var(--position); top: 355.46pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Notes to the consolidated statement of financial position<span style="display: inline-block; height: 12pt;"></span></span></div><div style="position: var(--position); top: 374.66pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 471.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 26.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 359.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 27pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_190">2</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 0pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_190">Cash and balances with central banks</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 0pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_190">265</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_193">3</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 14.25pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_193">Loans and advances to banks</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 14.25pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_193">265</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_196">4</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 28.5pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_196">Financial assets at fair value through profit or loss</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 28.5pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_190">F-</a><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_196">265</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_199">5</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 42.75pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_199">Financial assets at fair value through other comprehensive income</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 42.75pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_199">267</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_202">6</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 57pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_202">Debt securities</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 57pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_202">268</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_205">7</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 71.25pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_205">Loans and advances to customers</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 71.25pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_205">268</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_208">8</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 85.5pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_208">Investments in associates and joint ventures</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 85.5pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_190">F-</a><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_208">269</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_211">9</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 99.75pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_211">Property and equipment</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 99.75pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_211">270</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_214">10</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 114pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_214">Intangible assets</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 114pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_214">271</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 128.25pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_217">11</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 128.25pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_217">Other assets</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 128.25pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_217">272</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 142.5pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_220">12</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 142.5pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_220">Deposits from banks</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 142.5pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_220">272</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 156.75pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_223">13</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 156.75pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_223">Customer deposits</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 156.75pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_223">272</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 171pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_226">14</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 171pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_226">Financial liabilities at fair value through profit or loss</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 171pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_226">273</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="position: var(--position); top: 127.31pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 471.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 26.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 359.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 27pt;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 11.25pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_229">15</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 11.25pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_229">Provisions</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 11.25pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_229">274</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 25.5pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_232">16</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 25.5pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_232">Other liabilities</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 25.5pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_190">F-</a><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_232">275</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 39.75pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_235">17</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 39.75pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_235">Debt securities in issue</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 39.75pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_235">275</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 54pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_238">18</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 54pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_238">Subordinated loans</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 54pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_238">276</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 68.25pt; width: 26.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 26.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_241">19</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 26.25pt; position: var(--position); top: 68.25pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_241">Equity</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 68.25pt; width: 59.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 59.25pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 31.27pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.730000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_241">276</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="line-height: 16pt; position: var(--position); top: 234.81pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Notes to the consolidated statement of profit or loss<span style="display: inline-block; height: 12pt;"></span></span></div><div style="position: var(--position); top: 254.01pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 471pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 27pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 359.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 58.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 26.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_244">20</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 0pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_244">Net interest income</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 0pt; width: 58.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 58.5pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 30.52pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.980000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_244">281</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_247">21</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 14.25pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_247">Net fee and commission income</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 14.25pt; width: 58.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 58.5pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 30.52pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.980000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_247">282</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_250">22</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 28.5pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_250">Valuation results and net trading income</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 28.5pt; width: 58.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 58.5pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 30.52pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.980000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_250">282</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_253">23</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 42.75pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_253">Investment income</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 42.75pt; width: 58.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 58.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 30.52pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_247">F-</a><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.980000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_253">283</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_259">24</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 57pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_259">Other net income</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 57pt; width: 58.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 58.5pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 30.52pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.980000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_259">283</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_262">25</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 71.25pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_262">Staff expenses</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 71.25pt; width: 58.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 58.5pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 30.52pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.980000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_262">284</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_265">26</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 85.5pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_265">Other operating expenses</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 85.5pt; width: 58.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 58.5pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 30.52pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.980000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_265">285</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_268">27</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 99.75pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_268">Audit fees</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 99.75pt; width: 58.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 58.5pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 30.52pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.980000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_268">285</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_271">28</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 114pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_271">Earnings per ordinary share</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 114pt; width: 58.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 58.5pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 30.52pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.980000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_271">285</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 128.25pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_274">29</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 128.25pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_274">Dividend per ordinary share</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 128.25pt; width: 58.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 58.5pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 30.52pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 38.980000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_274">286</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="line-height: 16pt; position: var(--position); top: 421.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Segment reporting<span style="display: inline-block; height: 12pt;"></span></span></div><div style="position: var(--position); top: 440.71pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 474pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 27pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 359.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 27pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_286">30</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 0pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_286">Segments</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 0pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_286">286</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_289">31</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 14.25pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_289">Information on geographical areas</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 14.25pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_289">292</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_163">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 234<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Additional notes to the consolidated financial statements<span style="display: inline-block; height: 12pt;"></span></span></div><div style="position: var(--position); top: 84.11pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 474pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 27pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 359.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 27pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_280">32</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 0pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_280">Changes in liabilities arising from financing activities</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 0pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_280">295</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_292">33</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 14.25pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_292">Pension and other post-employment benefits</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 14.25pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_292">295</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_295">34</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 28.5pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_295">Taxation</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 28.5pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_295">298</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_298">35</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 42.75pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_298">Fair value of assets and liabilities</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 42.75pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_298">301</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_301">36</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 57pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_301">Derivatives and hedge accounting</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 57pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_301">312</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_304">37</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 71.25pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_304">Assets by contractual maturity</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 71.25pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_304">319</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_307">38</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 85.5pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_307">Liabilities and off-balance sheet commitments by maturity</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 85.5pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_307">321</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_310">39</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 99.75pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_310">Transfer of financial assets, assets pledged and received as collateral</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 99.75pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_310">324</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_313">40</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 114pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_313">Offsetting financial assets and liabilities</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 114pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_313">325</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 128.25pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_316">41</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 128.25pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_316">Contingent liabilities and commitments</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 128.25pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_316">330</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 142.5pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_319">42</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 142.5pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_319">Legal proceedings</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 142.5pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_319">330</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 156.75pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_322">43</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 156.75pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_322">Consolidated companies and businesses acquired and divested</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 156.75pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_322">333</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 171pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_325">44</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 171pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_325">Principal subsidiaries</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 171pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_325">334</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 185.25pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_328">45</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 185.25pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_328">Structured entities</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 185.25pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_328">334</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 199.5pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_331">46</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 199.5pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_331">Related parties</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 199.5pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_331">336</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 213.75pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_337">47</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 213.75pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_337">Capital management</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 213.75pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_337">338</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 228pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_340">48</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 228pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_340">Condensed financial information of the parent company</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 228pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_340">341</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 242.25pt; width: 27pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 27pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_355">49</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 27pt; position: var(--position); top: 242.25pt; width: 359.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 359.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_355">Subsequent events</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 386.25pt; position: var(--position); top: 242.25pt; width: 60.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 60.75pt;"><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 32.77pt; position: var(--position); white-space: pre;">F-<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #000000; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 41.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_355">347</a><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_163">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 235<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_169"></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g25.jpg" alt="Capture2.jpg" style="height: 41.99pt; width: 485.01pt;"/></div></div></div><div style="line-height: 10pt; position: var(--position); top: 127.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">To the Shareholders and the Supervisory Board ING Groep N.V.&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 149.9pt; width: 1080pt;"><span style="color: #00338d; font-family: Arial; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Opinion on the consolidated Financial Statements<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 173.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">We have audited the accompanying consolidated statements of financial position of ING Groep N.V. and <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 185.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">subsidiaries (the Company) as of December 31, 2023 and 2022, the related consolidated statements of profit <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 197.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">or loss, comprehensive income, changes in equity, and cash flows for each of the years in the three&#8209;year <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 209.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">period ended December 31, 2023, and the related notes and specific disclosures described in Note 1 as <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 221.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">being part of the consolidated financial statements (collectively, the consolidated financial statements). In our <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 233.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">opinion, the consolidated financial statements present fairly, in all material respects, the financial position of <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 245.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">the Company as of December 31, 2023 and 2022, and the results of its operations and its cash flows for each <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 257.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">of the years in the three&#8209;year period ended December 31, 2023, in conformity with International Financial <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 269.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">Reporting Standards as issued by the International Accounting Standards Board.<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 291.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 303.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">(United States) (PCAOB), the Company&#8217;s internal control over financial reporting as of December 31, 2023, <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 315.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">based on criteria established in Internal Control &#8211; Integrated Framework (2013) issued by the Committee of <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 327.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">Sponsoring Organizations of the Treadway Commission, and our report dated March 4, 2024 expressed an <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 339.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">unqualified opinion on the effectiveness of the Company&#8217;s internal control over financial reporting.<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 361.9pt; width: 1080pt;"><span style="color: #00338d; font-family: Arial; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Basis for Opinion<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 385.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">These consolidated financial statements are the responsibility of the Company&#8217;s management. Our <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 397.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">responsibility is to express an opinion on these consolidated financial statements based on our audits. We are <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 409.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">a public accounting firm registered with the PCAOB and are required to be independent with respect to the <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 421.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">Securities and Exchange Commission and the PCAOB.<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 455.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 467.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">plan and perform the audit to obtain reasonable assurance about whether the consolidated financial <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 479.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">statements are free of material misstatement, whether due to error or fraud. Our audits included performing <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 491.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">procedures to assess the risks of material misstatement of the consolidated financial statements, whether due <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 503.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">to error or fraud, and performing procedures that respond to those risks. Such procedures included <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 515.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">examining, on a test basis, evidence regarding the amounts and disclosures in the consolidated financial <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 527.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">statements. Our audits also included evaluating the accounting principles used and significant estimates <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 539.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">made by management, as well as evaluating the overall presentation of the consolidated financial statements. <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 551.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">We believe that our audits provide a reasonable basis for our opinion.<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.9pt; width: 1080pt;"><span style="color: #00338d; font-family: Arial; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Critical Audit Matter<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 151.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">The critical audit matter communicated below is a matter arising from the current period audit of the <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 163.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">consolidated financial statements that was communicated or required to be communicated to the audit <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 175.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">committee and that: (1) relates to accounts or disclosures that are material to the consolidated financial <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 187.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">statements and (2) involved our especially challenging, subjective, or complex judgments. The <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">communication of a critical audit matter does not alter in any way our opinion on the consolidated financial <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">statements, taken as a whole, and we are not, by communicating the critical audit matter below, providing a <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 223.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">separate opinion on the critical audit matter or on the accounts or disclosures to which it relates.<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 245.9pt; width: 1080pt;"><span style="color: #00338d; font-family: Arial; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Assessment of expected credit losses on loans and advances to customers and loans and advances <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 257.9pt; width: 1080pt;"><span style="color: #00338d; font-family: Arial; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to banks<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 279.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">As discussed in the Credit Risk section on pages 165-193 and in Note 3 and Note 7 in the consolidated <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 291.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">financial statements, the loans and advances to customers amount to EUR 647 billion and loans and <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 303.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">advances to banks amount to EUR 17 billion as at 31 December 2023. These loans and advances are <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 315.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">measured at amortised cost, less expected credit losses (&#8216;ECL&#8217;) of EUR 6 billion. Management estimated ECL <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 327.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">using three components: probability of default (&#8216;PD&#8217;), loss given default (&#8216;LGD&#8217;) and exposure at default <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 339.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">(&#8216;EAD&#8217;). Management applied forward looking economic scenarios with associated weights. Relevant <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 351.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">macroeconomic factors include the gross domestic product (&#8216;GDP&#8217;), house price index (&#8216;HPI&#8217;) and <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 363.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">unemployment rate. The recent economic conditions are outside the bounds of historical experience used to <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 375.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">develop ECL model methodologies and result in greater uncertainties to estimate ECLs. These uncertainties <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 387.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">are addressed by judgemental overlays by management.<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 409.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">We identified the assessment of ECL on loans and advances to customers and loans and advances to banks <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 421.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">as a critical audit matter because of the significant and complex auditor judgment and specialised skills and <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 433.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">knowledge required to evaluate the following elements of the overall ECL estimate: <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 457.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 9pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); white-space: pre;">&#8212;<span style="display: inline-block; height: 7.28pt;"></span></span><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.37pt; position: var(--position); white-space: pre;">The judgements used to develop the model-driven PD and LGD parameters.<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 481.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 9pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); white-space: pre;">&#8212;<span style="display: inline-block; height: 7.28pt;"></span></span><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.37pt; position: var(--position); white-space: pre;">The determination of the amount and timing of expected future recovery cash flows for individual loan <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 493.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.37pt; position: var(--position); white-space: pre;">provision assessments for impaired loans and the probability weights applied in the presence of more <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 505.9pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.37pt; position: var(--position); white-space: pre;">than one recovery scenario.<span style="display: inline-block; height: 7.28pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_163">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="position: var(--position); top: 26.25pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g26.jpg" alt="logo.jpg" style="height: 34.5pt; width: 63.15pt;"/></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="font-family: Arial; font-size: 6pt; font-style: normal; font-weight: normal; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">KPMG Accountants N.V., a Dutch limited liability company registered with the trade register in the Netherlands under number 33263683, is a member firm of the global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by guarantee<span style="display: inline-block; height: 7.5pt; width: 33.68pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 975.97pt; position: var(--position); text-decoration: none; white-space: pre;">F -236<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 9pt; font-style: normal; font-weight: normal; left: 47.05999999999999pt; position: var(--position); white-space: pre;">&#8212;<span style="display: inline-block; height: 7.28pt;"></span></span><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">The use of forward-looking macroeconomic forecasts in ECL, including GDP, HPI and unemployment <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">rate.<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 9pt; font-style: normal; font-weight: normal; left: 47.05999999999999pt; position: var(--position); white-space: pre;">&#8212;<span style="display: inline-block; height: 7.28pt;"></span></span><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">The consistent identification and application of criteria for significant increase in credit risk (&#8216;SICR&#8217;) in <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">the macroeconomic environment and geopolitical situation which remains uncertain.<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 9pt; font-style: normal; font-weight: normal; left: 47.05999999999999pt; position: var(--position); white-space: pre;">&#8212;<span style="display: inline-block; height: 7.28pt;"></span></span><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">The determination of management overlays to the modelled ECL due to the continued uncertainty in <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">the macroeconomic outlook in the global economy combined with the delay in which the models <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">capture emerging risks.<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 184.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); white-space: pre;">The following are the primary procedures we performed to address this critical audit matter. <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 208.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 9pt; font-style: normal; font-weight: normal; left: 47.05999999999999pt; position: var(--position); white-space: pre;">&#8212;<span style="display: inline-block; height: 7.28pt;"></span></span><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">We evaluated the design and tested the operating effectiveness of certain internal controls related to <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 220.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">the estimation of ECL for loans and advances to customers and loans and advances to banks. This <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 232.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">included controls relating to the selection of key assumptions (including PD, LGD and macroeconomic <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 244.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">forecasts), review and authorisation of model outputs, governance and monitoring of the ECL process, <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 256.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">determination of credit risk ratings, the estimation of future recovery cash flows of individual loan loss <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 268.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">provisions and associated scenario weights assigned and the determination of management overlays <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 280.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">to the modelled ECL.<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 302.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 9pt; font-style: normal; font-weight: normal; left: 47.05999999999999pt; position: var(--position); white-space: pre;">&#8212;<span style="display: inline-block; height: 7.28pt;"></span></span><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">We involved credit risk professionals with specialised skills and knowledge who assisted in evaluating <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 314.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">the assumptions used to determine the PD and LGD parameters in models used by the Company to <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 326.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">determine the collective provisions, including the evaluation of the recalibrated and redeveloped credit <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 338.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">risk models. This included reperforming back-testing of certain models to evaluate the current model <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 350.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">performance and evaluation of the identification of SICR in loans by challenging the scope of <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 362.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">management&#8217;s criteria used in staging assessments, consistent application of the thresholds applied <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 374.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">within each criterion, and the ability of staging criteria to identify SICR prior to loans being credit <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 386.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">impaired. In addition, the credit risk professionals assisted in testing management overlays recorded, <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 398.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">including interest and inflation related overlays for both the wholesale banking and retail banking <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 410.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">portfolios and an overlay related to interest only residential mortgages in the Netherlands. <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 432.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 9pt; font-style: normal; font-weight: normal; left: 47.05999999999999pt; position: var(--position); white-space: pre;">&#8212;<span style="display: inline-block; height: 7.28pt;"></span></span><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">We involved economic professionals with specialised skills and knowledge, who assisted in assessing <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 444.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">the Company&#8217;s methodology to determine the macroeconomic forecasts used in determining the ECL. <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 456.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">We tested the reasonableness of management&#8217;s forecasts against other external benchmarks and our <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 468.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.32pt; position: var(--position); white-space: pre;">own internal forecasts.<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 9pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); white-space: pre;">&#8212;<span style="display: inline-block; height: 7.28pt;"></span></span><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.37pt; position: var(--position); white-space: pre;">We involved corporate finance professionals with specialised skills and knowledge, who assisted in <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.37pt; position: var(--position); white-space: pre;">assessing the methodologies, cash flows and collateral values used in expected future recovery cash <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.37pt; position: var(--position); white-space: pre;">flow assessments of individual loan loss provisions for impaired loans and in challenging <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.37pt; position: var(--position); white-space: pre;">management&#8217;s use of recovery scenarios and expected cash flows by comparing against industry <span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 583.37pt; position: var(--position); white-space: pre;">trends and comparable benchmarks and recalculating recovery amounts.<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">/s/ KPMG Accountants N.V.<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">We have served as the Company&#8217;s auditor since 2016.<span style="display: inline-block; height: 7.28pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 184.91pt; width: 1080pt;"><span style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); white-space: pre;">Amstelveen, The Netherlands March 4, 2024<span style="display: inline-block; height: 7.28pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_163">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div><div style="position: var(--position); top: 26.25pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt;"><div style="position: var(--position);"><img src="ing-20231231_g26.jpg" alt="logo.jpg" style="height: 34.5pt; width: 63.15pt;"/></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="font-family: Arial; font-size: 6pt; font-style: normal; font-weight: normal; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">KPMG Accountants N.V., a Dutch limited liability company registered with the trade register in the Netherlands under number 33263683, is a member firm of the global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by guarantee<span style="display: inline-block; height: 7.5pt; width: 33.68pt;"></span></span><span style="left: 867.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 903.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span><span style="left: 939.97pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 36pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 975.97pt; position: var(--position); text-decoration: none; white-space: pre;">F -237<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_172"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated statement of financial position<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As at 31 December<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 139.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 1000.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 372.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 372.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 372.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 14.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 14.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 14.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 14.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 27pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and balances with central banks <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 156.2pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 39.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-3226">90,214</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 39.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-3227">87,614</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 39.75pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deposits from banks <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 86.85pt; position: var(--position); text-decoration: none; white-space: pre;">12<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 39.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-3228">23,257</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 39.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-3229">56,632</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 123.66pt; position: var(--position); text-decoration: none; white-space: pre;">3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 52.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-3230">16,709</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 52.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-3231">35,104</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 52.5pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 79.82pt; position: var(--position); text-decoration: none; white-space: pre;">13<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 52.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.35pt;"></span></span><span style="left: 16.98pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3232">650,276</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 52.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.35pt;"></span></span><span style="left: 16.98pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3233">640,799</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through profit or loss <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 204.35999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">4,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 65.25pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities at fair value through profit or loss <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 213.68pt; position: var(--position); text-decoration: none; white-space: pre;">14<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Trading assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 78pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-3234">60,229</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 78pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-3235">56,870</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 78pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Trading liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 78pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-3236">37,220</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 78pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-3237">39,088</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Non-trading derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 90.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-3238">2,028</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 90.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-3239">3,893</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 90.75pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Non-trading derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 90.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-3240">2,019</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 90.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-3241">3,048</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 103.5pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Designated as at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 103.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-3242">5,775</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 103.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-3243">6,159</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 103.5pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Designated as at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 103.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-3244">55,400</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 103.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-3245">50,883</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 116.25pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Mandatorily at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 116.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-3246">54,983</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 116.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-3247">46,844</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 116.25pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Current tax liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 116.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CurrentTaxLiabilities" scale="6" id="f-3248">396</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 116.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CurrentTaxLiabilities" scale="6" id="f-3249">325</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 129pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 270.19pt; position: var(--position); text-decoration: none; white-space: pre;"> 5,6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 129pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3250">41,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 129pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3251">31,625</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 129pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred tax liabilities <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 91.74pt; position: var(--position); text-decoration: none; white-space: pre;">34<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 129pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3252">1,447</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 129pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DeferredTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3253">2,652</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 141.75pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Securities at amortised cost<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 114.08pt; position: var(--position); text-decoration: none; white-space: pre;"> 6<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 141.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3254">48,313</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 141.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-3255">48,160</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 141.75pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 44.84pt; position: var(--position); text-decoration: none; white-space: pre;">15<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 141.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Provisions" scale="6" id="f-3256">920</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 141.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:Provisions" format="ixt:num-dot-decimal" scale="6" id="f-3257">1,052</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 154.5pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 140.06pt; position: var(--position); text-decoration: none; white-space: pre;"> 7<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 154.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.35pt;"></span></span><span style="left: 16.98pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3258">647,313</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 154.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.35pt;"></span></span><span style="left: 16.98pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3259">644,893</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 154.5pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other liabilities <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 64.67999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">16<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 154.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3260">13,667</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 154.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3261">13,646</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 167.25pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investments in associates and joint ventures<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 181.29999999999998pt; position: var(--position); text-decoration: none; white-space: pre;"> 8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 167.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:InvestmentAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3262">1,509</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 167.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:InvestmentAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-3263">1,500</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 167.25pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities in issue <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 96.14pt; position: var(--position); text-decoration: none; white-space: pre;">17<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 167.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.35pt;"></span></span><span style="left: 16.98pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-3264">124,670</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 167.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-3265">95,918</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 180pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Property and equipment<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 101.24pt; position: var(--position); text-decoration: none; white-space: pre;"> 9<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 180pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-3266">2,399</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 180pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-3267">2,446</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 180pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Subordinated loans <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 82.69pt; position: var(--position); text-decoration: none; white-space: pre;">18<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 180pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3268">15,401</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 180pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3269">15,786</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 192.75pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Intangible assets<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 70.47pt; position: var(--position); text-decoration: none; white-space: pre;"> 10<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 192.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-3270">1,198</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 192.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-3271">1,102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 192.75pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 192.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.27pt;"></span></span><span style="left: 15.899999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-3272">924,671</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 192.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.27pt;"></span></span><span style="left: 15.899999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-3273">919,829</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 205.5pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Current tax assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 205.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CurrentTaxAssets" scale="6" id="f-3274">311</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 205.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CurrentTaxAssets" scale="6" id="f-3275">349</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 218.25pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred tax assets <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 82.42pt; position: var(--position); text-decoration: none; white-space: pre;">34<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 218.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-3276">1,085</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 218.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-3277">1,425</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 218.25pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equity <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 31.45pt; position: var(--position); text-decoration: none; white-space: pre;">19<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 231pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other assets <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 55.36pt; position: var(--position); text-decoration: none; white-space: pre;">11<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 231pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-3278">7,117</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 231pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-3279">8,850</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 231pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share capital and share premium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 231pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:ShareCapitalAndSharePremium" format="ixt:num-dot-decimal" scale="6" id="f-3280">17,151</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 231pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:ShareCapitalAndSharePremium" format="ixt:num-dot-decimal" scale="6" id="f-3281">17,154</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 243.75pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 243.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.12pt;"></span></span><span style="left: 23.75pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-3282">2,767</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 243.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.12pt;"></span></span><span style="left: 23.75pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-3283">2,192</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 256.5pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retained earnings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 256.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-3284">40,299</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 256.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.41pt;"></span></span><span style="left: 22.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-3285">41,538</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 269.25pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholders&#8217; equity (parent)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 269.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.51pt;"></span></span><span style="left: 21.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:EquityAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-3286">54,684</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 269.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.51pt;"></span></span><span style="left: 21.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:EquityAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-3287">56,500</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 282pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-controlling interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 282pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-3288">944</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 282pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-3289">504</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 294.75pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 294.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.51pt;"></span></span><span style="left: 21.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3290">55,628</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 294.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.51pt;"></span></span><span style="left: 21.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3291">57,004</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 320.25pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 320.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.27pt;"></span></span><span style="left: 15.899999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-3292">980,299</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 320.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.27pt;"></span></span><span style="left: 15.899999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-3293">976,834</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 522.75pt; position: var(--position); top: 320.25pt; width: 372.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 372.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total liabilities and equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 895.5pt; position: var(--position); top: 320.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.27pt;"></span></span><span style="left: 15.899999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:EquityAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3294">980,299</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 320.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.27pt;"></span></span><span style="left: 15.899999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:EquityAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3295">976,834</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 492.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">References relate to the accompanying notes. These are an integral part of the Consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 238<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_175"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated statement of profit or loss <span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 127.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for the years ended 31 December<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 139.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 345.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 339pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 18pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 18pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 345.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 18pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 18pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 18pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 864.75pt; position: var(--position); top: 18pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 18pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 954.75pt; position: var(--position); top: 18pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 43.5pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest income using effective interest rate method<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 43.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.3pt;"></span></span><span style="left: 13.93pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestRevenueCalculatedUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-3296">44,658</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 43.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.3pt;"></span></span><span style="left: 13.93pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestRevenueCalculatedUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-3297">24,439</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 43.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.3pt;"></span></span><span style="left: 13.93pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestRevenueCalculatedUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-3298">18,577</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525.75pt; position: var(--position); top: 43.5pt; width: 339pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 339pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Addition to loan loss provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 864.75pt; position: var(--position); top: 43.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-3299">520</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 43.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-3300">1,861</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 954.75pt; position: var(--position); top: 43.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-3301">516</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 56.25pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 56.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.36pt;"></span></span><span style="left: 18.99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:InterestIncomeNotUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-3302">7,741</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 56.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.36pt;"></span></span><span style="left: 18.99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:InterestIncomeNotUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-3303">3,934</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 56.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.36pt;"></span></span><span style="left: 18.99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:InterestIncomeNotUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-3304">2,474</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525.75pt; position: var(--position); top: 56.25pt; width: 339pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 339pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Staff expenses <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 63.21pt; position: var(--position); text-decoration: none; white-space: pre;">25<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 864.75pt; position: var(--position); top: 56.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-3305">6,725</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 56.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-3306">6,152</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 954.75pt; position: var(--position); top: 56.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-3307">5,941</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 69pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 69pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.4pt;"></span></span><span style="left: 13.030000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-3308">52,399</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.7pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 69pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.4pt;"></span></span><span style="left: 13.030000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-3309">28,373</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.7pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 69pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.4pt;"></span></span><span style="left: 13.030000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-3310">21,051</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.7pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525.75pt; position: var(--position); top: 69pt; width: 339pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 339pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other operating expenses <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 108.63pt; position: var(--position); text-decoration: none; white-space: pre;">26<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 864.75pt; position: var(--position); top: 69pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-3311">4,839</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 69pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-3312">5,047</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 954.75pt; position: var(--position); top: 69pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-3313">5,251</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525.75pt; position: var(--position); top: 81.75pt; width: 339pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 339pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 864.75pt; position: var(--position); top: 81.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-3314">12,084</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 81.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-3315">13,060</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 954.75pt; position: var(--position); top: 81.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-3316">11,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 94.5pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest expense using effective interest rate method<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 94.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.95pt;"></span></span><span style="left: 10.58pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:InterestExpensesCalculatedUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-3317">28,510</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 94.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.95pt;"></span></span><span style="left: 10.58pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:InterestExpensesCalculatedUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-3318">10,019</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 94.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.01pt;"></span></span><span style="left: 15.64pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:InterestExpensesCalculatedUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-3319">5,085</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 107.25pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other interest expense<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 107.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.01pt;"></span></span><span style="left: 15.64pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestExpenseOnOtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3320">7,726</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 107.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.01pt;"></span></span><span style="left: 15.64pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestExpenseOnOtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3321">3,762</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 107.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.01pt;"></span></span><span style="left: 15.64pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestExpenseOnOtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3322">1,966</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525.75pt; position: var(--position); top: 107.25pt; width: 339pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 339pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 864.75pt; position: var(--position); top: 107.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-3323">6,037</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 107.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-3324">17,358</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 954.75pt; position: var(--position); top: 107.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-3325">8,385</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 120pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total interest expense<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 120pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.92pt;"></span></span><span style="left: 9.55pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-3326">36,237</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.7pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 120pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.92pt;"></span></span><span style="left: 9.55pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-3327">13,780</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.7pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 120pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.16pt;"></span></span><span style="left: 14.79pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-3328">7,051</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.7pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525.75pt; position: var(--position); top: 132.75pt; width: 339pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 339pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 39.59pt; position: var(--position); text-decoration: none; white-space: pre;">34<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 864.75pt; position: var(--position); top: 132.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3329">1,662</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 132.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3330">5,130</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 954.75pt; position: var(--position); top: 132.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3331">2,306</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 145.5pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest income <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 86.94pt; position: var(--position); text-decoration: none; white-space: pre;">20<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 145.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.4pt;"></span></span><span style="left: 13.030000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-3332">16,162</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.7pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 145.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.4pt;"></span></span><span style="left: 13.030000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-3333">14,593</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.7pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 145.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.4pt;"></span></span><span style="left: 13.030000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-3334">14,000</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.7pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525.75pt; position: var(--position); top: 145.5pt; width: 339pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 339pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 864.75pt; position: var(--position); top: 145.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3335">4,374</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 145.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3336">12,228</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 954.75pt; position: var(--position); top: 145.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3337">6,079</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 171pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fee and commission income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 171pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.36pt;"></span></span><span style="left: 18.99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-3338">5,109</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 171pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.36pt;"></span></span><span style="left: 18.99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-3339">5,085</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 171pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.36pt;"></span></span><span style="left: 18.99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-3340">5,004</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525.75pt; position: var(--position); top: 171pt; width: 339pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 339pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result attributable to:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 183.75pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fee and commission expense<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 183.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.01pt;"></span></span><span style="left: 15.64pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-3341">1,514</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 183.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.01pt;"></span></span><span style="left: 15.64pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-3342">1,499</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 183.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.01pt;"></span></span><span style="left: 15.64pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-3343">1,487</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525.75pt; position: var(--position); top: 183.75pt; width: 339pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 339pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-controlling interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 864.75pt; position: var(--position); top: 183.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-3344">235</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 183.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-3345">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 954.75pt; position: var(--position); top: 183.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-3346">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 196.5pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net fee and commission income <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 137.06pt; position: var(--position); text-decoration: none; white-space: pre;">21<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 196.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.64pt;"></span></span><span style="left: 18.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-3347">3,595</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.7pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 196.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.64pt;"></span></span><span style="left: 18.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-3348">3,586</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.7pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 196.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.64pt;"></span></span><span style="left: 18.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-3349">3,517</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.7pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525.75pt; position: var(--position); top: 196.5pt; width: 339pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 339pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholders of the parent<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 864.75pt; position: var(--position); top: 196.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-3350">4,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 196.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-3351">12,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 954.75pt; position: var(--position); top: 196.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-3352">5,951</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 864.75pt; position: var(--position); top: 209.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3353">4,374</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 209.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3354">12,228</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 954.75pt; position: var(--position); top: 209.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3355">6,079</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 222pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation results and net trading income <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 169.48pt; position: var(--position); text-decoration: none; white-space: pre;">22<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 222pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.01pt;"></span></span><span style="left: 15.64pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:TradingIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-3356">1,732</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 222pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.3pt;"></span></span><span style="left: 13.93pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:TradingIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-3357">12,214</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 222pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.36pt;"></span></span><span style="left: 18.99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:TradingIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-3358">2,065</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 234.75pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment income <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 82.8pt; position: var(--position); text-decoration: none; white-space: pre;">23<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 234.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.64pt;"></span></span><span style="left: 31.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InvestmentIncome" scale="6" id="f-3359">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 234.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.58pt;"></span></span><span style="left: 26.209999999999997pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InvestmentIncome" scale="6" id="f-3360">181</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 234.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.58pt;"></span></span><span style="left: 26.209999999999997pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InvestmentIncome" scale="6" id="f-3361">167</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 247.5pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share of result from associates and joint ventures <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 204.15pt; position: var(--position); text-decoration: none; white-space: pre;">8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 247.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.58pt;"></span></span><span style="left: 26.209999999999997pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3362">149</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 247.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.64pt;"></span></span><span style="left: 31.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3363">92</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 247.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.58pt;"></span></span><span style="left: 26.209999999999997pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3364">141</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 260.25pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Impairment of associates and joint ventures<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 179.82pt; position: var(--position); text-decoration: none; white-space: pre;"> 8<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 260.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.35pt;"></span></span><span style="left: 32.980000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-3365">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 260.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.23pt;"></span></span><span style="left: 22.86pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-3366">192</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 260.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.35pt;"></span></span><span style="left: 32.980000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-3367">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 273pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result on disposal of group companies<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 273pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.7pt;"></span></span><span style="left: 36.330000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GainsLossesOnDisposalsOfInvestments" scale="6" id="f-3368">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 273pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.7pt;"></span></span><span style="left: 36.330000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:GainsLossesOnDisposalsOfInvestments" scale="6" id="f-3369">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 273pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.29pt;"></span></span><span style="left: 27.919999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnDisposalsOfInvestments" scale="6" id="f-3370">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525.75pt; position: var(--position); top: 273pt; width: 339pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 339pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 285.75pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result on derecognition of financial assets measured at amortised cost <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 285.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.7pt;"></span></span><span style="left: 36.330000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost" scale="6" id="f-3371">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 285.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.35pt;"></span></span><span style="left: 32.980000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost" scale="6" id="f-3372">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 285.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.7pt;"></span></span><span style="left: 36.330000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost" scale="6" id="f-3373">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525.75pt; position: var(--position); top: 285.75pt; width: 339pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 339pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Earnings per ordinary share<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 116.97pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 119.22pt; position: var(--position); text-decoration: none; white-space: pre;">28<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 298.5pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other net income <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 75.6pt; position: var(--position); text-decoration: none; white-space: pre;">24<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 345.75pt; position: var(--position); top: 298.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.23pt;"></span></span><span style="left: 22.86pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherOperatingIncomeExpense" scale="6" id="f-3374">147</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 390.75pt; position: var(--position); top: 298.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.29pt;"></span></span><span style="left: 27.919999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:OtherOperatingIncomeExpense" scale="6" id="f-3375">56</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 298.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.58pt;"></span></span><span style="left: 26.209999999999997pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherOperatingIncomeExpense" scale="6" id="f-3376">236</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.61pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525.75pt; position: var(--position); top: 298.5pt; width: 339pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 339pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Basic earnings per ordinary share<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 864.75pt; position: var(--position); top: 298.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="2" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-3377">1.16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 298.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-23" decimals="2" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-3378">3.35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 954.75pt; position: var(--position); top: 298.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-2587" decimals="2" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-3379">1.53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 0pt; position: var(--position); top: 311.25pt; width: 345.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.56pt; width: 345.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 345.75pt; position: var(--position); top: 311.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.56pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.4pt;"></span></span><span style="left: 13.030000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3380">18,121</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.7pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 390.75pt; position: var(--position); top: 311.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.56pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.4pt;"></span></span><span style="left: 13.030000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3381">30,418</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.7pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 435.75pt; position: var(--position); top: 311.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.56pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.4pt;"></span></span><span style="left: 13.030000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3382">20,093</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.7pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 525.75pt; position: var(--position); top: 311.25pt; width: 339pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.56pt; width: 339pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Diluted earnings per ordinary share<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 864.75pt; position: var(--position); top: 311.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.56pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="2" name="ifrs-full:DilutedEarningsLossPerShare" scale="0" id="f-3383">1.16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 909.75pt; position: var(--position); top: 311.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.56pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-23" decimals="2" name="ifrs-full:DilutedEarningsLossPerShare" scale="0" id="f-3384">3.35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 954.75pt; position: var(--position); top: 311.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.56pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-2587" decimals="2" name="ifrs-full:DilutedEarningsLossPerShare" scale="0" id="f-3385">1.53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 485.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">References relate to the accompanying notes. These are an integral part of the Consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 239<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_178"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated statement of comprehensive income<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for the years ended 31 December<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 154.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 348pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 393pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result (before non-controlling interests)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3386">4,374</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 393pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3387">12,228</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3388">6,079</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 52.5pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 64.5pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Items that will not be reclassified to the statement of profit or loss:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 76.5pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised and unrealised revaluations property in own use<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 348pt; position: var(--position); top: 76.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3389">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 393pt; position: var(--position); top: 76.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3390">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 438pt; position: var(--position); top: 76.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3391">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 88.5pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remeasurement of the net defined benefit asset/liability <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 232.1pt; position: var(--position); text-decoration: none; white-space: pre;">33<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348pt; position: var(--position); top: 88.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-3392">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 393pt; position: var(--position); top: 88.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-3393">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 88.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-3394">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 101.25pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net change in fair value of equity instruments at fair value through other <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 348pt; position: var(--position); top: 101.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3395">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 393pt; position: var(--position); top: 101.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3396">126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 438pt; position: var(--position); top: 101.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3397">96</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 125.25pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Change in fair value of own credit risk of financial liabilities at fair value through profit <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 348pt; position: var(--position); top: 125.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-3398">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 393pt; position: var(--position); top: 125.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-3399">165</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 438pt; position: var(--position); top: 125.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-3400">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 160.5pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Items that may subsequently be reclassified to the statement of profit or loss:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 173.25pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net change in fair value of debt instruments at fair value through other <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 348pt; position: var(--position); top: 173.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3401">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 393pt; position: var(--position); top: 173.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3402">435</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 438pt; position: var(--position); top: 173.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3403">186</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 197.25pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised gains/losses on debt instruments at fair value through other comprehensive <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">income reclassified to the statement of profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 348pt; position: var(--position); top: 197.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3404">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 393pt; position: var(--position); top: 197.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3405">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 438pt; position: var(--position); top: 197.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3406">42</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 221.25pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in cash flow hedge reserve<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348pt; position: var(--position); top: 221.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-3407">1,138</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 393pt; position: var(--position); top: 221.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-3408">3,158</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 221.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-3409">1,955</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 234pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 109.38pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348pt; position: var(--position); top: 234pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-3410">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 393pt; position: var(--position); top: 234pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-3411">436</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 234pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-3412">143</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 246.75pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share of other comprehensive income of associates and joint ventures and other <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 348pt; position: var(--position); top: 246.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-3413">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 393pt; position: var(--position); top: 246.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-3414">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 438pt; position: var(--position); top: 246.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax" scale="6" id="f-3415">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 270.75pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348pt; position: var(--position); top: 270.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3416">5,360</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 393pt; position: var(--position); top: 270.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3417">9,081</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 270.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3418">4,262</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 296.25pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Comprehensive income attributable to:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 309pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-controlling interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348pt; position: var(--position); top: 309pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests" scale="6" id="f-3419">444</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 393pt; position: var(--position); top: 309pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests" scale="6" id="f-3420">190</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 309pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncomeAttributableToNoncontrollingInterests" scale="6" id="f-3421">247</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 321.75pt; width: 348pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholders of the parent<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348pt; position: var(--position); top: 321.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-3422">4,916</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 393pt; position: var(--position); top: 321.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-3423">9,271</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 321.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ComprehensiveIncomeAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-3424">4,509</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348pt; position: var(--position); top: 334.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3425">5,360</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 393pt; position: var(--position); top: 334.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3426">9,081</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 334.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3427">4,262</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 506.06pt; width: 1080pt;"><ix:footnote id="fn-1" footnoteRole="http://www.xbrl.org/2003/role/footnote"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1 Includes impact of application of hyperinflation accounting under IAS 29.<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 306.05999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 6pt;"></span></span></ix:footnote></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">References relate to the accompanying notes. These are an integral part of the Consolidated financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">statements. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 181.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For the disclosure on the income tax effects on each component of the other comprehensive incom<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 999.46pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">e,</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1007.31pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 193.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 649.9399999999999pt; position: var(--position); text-decoration: none; white-space: pre;">Note 34 'Taxation'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 731.13pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 240<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_181"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated statement of changes in equity<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="position: var(--position); top: 127.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 998.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 602.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/></tr><tr style="height: 13.5pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 13.5pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 602.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 602.25pt; position: var(--position); top: 13.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.19pt; position: var(--position); text-decoration: none; white-space: pre;">Share capital <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.17pt; position: var(--position); text-decoration: none; white-space: pre;">and share <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.39pt; position: var(--position); text-decoration: none; white-space: pre;">premium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 668.25pt; position: var(--position); top: 13.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.72pt; position: var(--position); text-decoration: none; white-space: pre;">Other reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 734.25pt; position: var(--position); top: 13.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.71pt; position: var(--position); text-decoration: none; white-space: pre;">Retained <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.53pt; position: var(--position); text-decoration: none; white-space: pre;">earnings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 800.25pt; position: var(--position); top: 13.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.56pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholders' <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.04pt; position: var(--position); text-decoration: none; white-space: pre;">equity (parent)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 866.25pt; position: var(--position); top: 13.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.48pt; position: var(--position); text-decoration: none; white-space: pre;">Non-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.53pt; position: var(--position); text-decoration: none; white-space: pre;">controlling <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.47pt; position: var(--position); text-decoration: none; white-space: pre;">interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 932.25pt; position: var(--position); top: 13.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.44pt; position: var(--position); text-decoration: none; white-space: pre;">Total equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 48.75pt; width: 602.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance as at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 60.36pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 602.25pt; position: var(--position); top: 48.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2588" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3428">17,154</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 48.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.77pt;"></span></span><span style="left: 36.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2589" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3429">2,192</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 48.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2590" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3430">41,538</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 48.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2591" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3431">56,500</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 48.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.65pt;"></span></span><span style="left: 47.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2592" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-3432">504</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 48.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3433">57,004</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 63pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Impact of changes in accounting policies<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 165.91pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;"> 1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 63pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2593" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-3434">45</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 63pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2594" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-3435">45</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 63pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2595" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-3436">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 63pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2596" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-3437">46</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 77.25pt; width: 602.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance as at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 60.36pt; position: var(--position); text-decoration: none; white-space: pre;">1&#160;January 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 602.25pt; position: var(--position); top: 77.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2597" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3438">17,154</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 77.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.77pt;"></span></span><span style="left: 36.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2598" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3439">2,192</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 77.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2599" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3440">41,493</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 77.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2600" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3441">56,455</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 77.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.65pt;"></span></span><span style="left: 47.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2601" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-3442">503</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 77.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2602" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3443">56,959</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 107.25pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net change in fair value of equity instruments at fair value through other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 107.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3444">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 107.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3445">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 107.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3446">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 107.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3447">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 107.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3448">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 120pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net change in fair value of debt instruments at fair value through other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 120pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3449">53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 120pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3450">53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 120pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3451">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 120pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3452">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 132.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised gains/losses on debt instruments at fair value through other comprehensive income reclassified to the statement of profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 132.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3453">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 132.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3454">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 132.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3455">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 132.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3456">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 158.25pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in cash flow hedge reserve<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 158.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" scale="6" id="f-3457">997</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 158.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" scale="6" id="f-3458">997</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 158.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" scale="6" id="f-3459">141</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 158.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.97pt;"></span></span><span style="left: 40.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-3460">1,138</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 171pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised and unrealised revaluations property in own use<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 171pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3461">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 171pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3462">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 171pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3463">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 171pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3464">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 171pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3465">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 183.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remeasurement of the net defined benefit asset/liability&#160; <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 234.35pt; position: var(--position); text-decoration: none; white-space: pre;">33<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 183.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-3466">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 183.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-3467">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 183.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-3468">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 183.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-3469">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 196.5pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 196.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-3470">132</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 196.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-3471">132</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 196.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-3472">47</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 196.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-3473">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 209.25pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share of other comprehensive income of associates and joint ventures and other income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 209.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" sign="-" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3474">892</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 209.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3475">892</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 209.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3476">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 209.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3477">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 222pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Change in fair value of own credit risk of financial liabilities at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 222pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-3478">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 222pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-3479">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 222pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-3480">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 222pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-3481">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 234.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total amount recognised directly in other comprehensive income net of tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 234.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.17pt;"></span></span><span style="left: 43.800000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-3482">123</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 234.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.65pt;"></span></span><span style="left: 47.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-3483">899</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 234.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.65pt;"></span></span><span style="left: 47.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-3484">776</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 234.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.65pt;"></span></span><span style="left: 47.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-3485">209</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 234.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.65pt;"></span></span><span style="left: 47.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-3486">985</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 247.5pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 247.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" scale="6" id="f-3487">336</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 247.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.97pt;"></span></span><span style="left: 40.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3488">3,804</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 247.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.97pt;"></span></span><span style="left: 40.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3489">4,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 247.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" scale="6" id="f-3490">235</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 247.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.97pt;"></span></span><span style="left: 40.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3491">4,374</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 260.25pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total comprehensive income net of tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 260.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.65pt;"></span></span><span style="left: 47.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" name="ifrs-full:ComprehensiveIncome" scale="6" id="f-3492">213</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 260.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.25pt;"></span></span><span style="left: 39.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3493">4,703</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 260.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.25pt;"></span></span><span style="left: 39.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3494">4,916</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 260.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.65pt;"></span></span><span style="left: 47.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="ifrs-full:ComprehensiveIncome" scale="6" id="f-3495">444</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 260.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.25pt;"></span></span><span style="left: 39.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3496">5,360</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 287.25pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividends and other cash distribution <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 154.26999999999998pt; position: var(--position); text-decoration: none; white-space: pre;">29<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 287.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" name="ing:DividendsRecognisedAsDistributionsToOwners1" format="ixt:num-dot-decimal" scale="6" id="f-3497">2,668</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 287.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" name="ing:DividendsRecognisedAsDistributionsToOwners1" format="ixt:num-dot-decimal" scale="6" id="f-3498">2,668</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 287.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="ing:DividendsRecognisedAsDistributionsToOwners1" scale="6" id="f-3499">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 287.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:DividendsRecognisedAsDistributionsToOwners1" format="ixt:num-dot-decimal" scale="6" id="f-3500">2,671</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 300pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share buyback programme<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 300pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2607" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" scale="6" id="f-3501">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 300pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" scale="6" id="f-3502">781</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 300pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-3503">3,217</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 300pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-3504">4,000</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 300pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-3505">4,000</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 312.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in treasury shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 312.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2603" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions" scale="6" id="f-3506">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 312.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions" scale="6" id="f-3507">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 312.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions" scale="6" id="f-3508">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 325.5pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Employee share plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 325.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2607" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-3509">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 325.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-3510">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 325.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-3511">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 325.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-3512">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 325.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-3513">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 338.25pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in the composition of the group and other changes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 338.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughChangesInCompositionOfTheGroupAndOtherChanges" scale="6" id="f-3514">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 338.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2605" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughChangesInCompositionOfTheGroupAndOtherChanges" scale="6" id="f-3515">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 338.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2606" decimals="-6" name="ing:IncreaseDecreaseThroughChangesInCompositionOfTheGroupAndOtherChanges" scale="6" id="f-3516">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 338.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughChangesInCompositionOfTheGroupAndOtherChanges" scale="6" id="f-3517">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 13.5pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 13.5pt; left: 0pt; position: var(--position); top: 352.5pt; width: 602.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 2.81pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance as at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 60.36pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 13.5pt; left: 602.25pt; position: var(--position); top: 352.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.81pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2608" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3518">17,151</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 13.5pt; left: 668.25pt; position: var(--position); top: 352.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.81pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.77pt;"></span></span><span style="left: 36.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2609" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3519">2,767</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 13.5pt; left: 734.25pt; position: var(--position); top: 352.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.81pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2610" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3520">40,299</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 13.5pt; left: 800.25pt; position: var(--position); top: 352.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.81pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2611" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3521">54,684</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 13.5pt; left: 866.25pt; position: var(--position); top: 352.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.81pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.65pt;"></span></span><span style="left: 47.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2612" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-3522">944</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 13.5pt; left: 932.25pt; position: var(--position); top: 352.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.81pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3523">55,628</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 498.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1 <span style="display: inline-block; height: 6pt;"></span></span><ix:footnote id="fn-2" footnoteRole="http://www.xbrl.org/2003/role/footnote"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 46.47pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in policy following the adoption of IFRS 17 and change in policy for non-financial guarantees.<span style="display: inline-block; height: 6pt;"></span></span></ix:footnote></div><div style="line-height: 10pt; position: var(--position); top: 537.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">References relate to the accompanying notes. These are an integral part of the Consolidated financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 549.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statements. Changes in individual Reserve components are presented in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 364.9pt; position: var(--position); text-decoration: none; white-space: pre;">Note 19 'Equity'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 435.86pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 241<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated statement of changes in equity - continued<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="position: var(--position); top: 127.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 998.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 602.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/></tr><tr style="height: 12.75pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 12.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 602.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 602.25pt; position: var(--position); top: 12.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.19pt; position: var(--position); text-decoration: none; white-space: pre;">Share capital <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.17pt; position: var(--position); text-decoration: none; white-space: pre;">and share <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.39pt; position: var(--position); text-decoration: none; white-space: pre;">premium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 668.25pt; position: var(--position); top: 12.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.72pt; position: var(--position); text-decoration: none; white-space: pre;">Other reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 734.25pt; position: var(--position); top: 12.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.71pt; position: var(--position); text-decoration: none; white-space: pre;">Retained <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.53pt; position: var(--position); text-decoration: none; white-space: pre;">earnings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 800.25pt; position: var(--position); top: 12.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.56pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholders' <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.04pt; position: var(--position); text-decoration: none; white-space: pre;">equity (parent)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 866.25pt; position: var(--position); top: 12.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.48pt; position: var(--position); text-decoration: none; white-space: pre;">Non-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.53pt; position: var(--position); text-decoration: none; white-space: pre;">controlling <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.47pt; position: var(--position); text-decoration: none; white-space: pre;">interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 932.25pt; position: var(--position); top: 12.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.44pt; position: var(--position); text-decoration: none; white-space: pre;">Total equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 48pt; width: 602.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance as at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 60.36pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 48pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2613" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3524">17,144</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 48pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.17pt;"></span></span><span style="left: 43.800000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2614" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-3525">540</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 48pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2615" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3526">35,462</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 48pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2616" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3527">52,066</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 48pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.65pt;"></span></span><span style="left: 47.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2617" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-3528">736</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 48pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3529">52,802</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 60.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Impact IAS 29 on opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 60.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2618" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-3530">627</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 60.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2619" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-3531">563</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 60.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2620" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-3532">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 60.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 60.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2621" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-3533">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 73.5pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance as at 1 January 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 73.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2622" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3534">17,144</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 73.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.89pt;"></span></span><span style="left: 52.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2623" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-3535">87</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 73.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2624" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3536">34,899</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 73.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2625" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3537">52,130</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 73.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.65pt;"></span></span><span style="left: 47.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2626" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-3538">736</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 73.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2627" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3539">52,866</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 99pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net change in fair value of equity instruments at fair value through other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 99pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2628" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3540">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 99pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3541">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 99pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3542">118</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 99pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2631" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3543">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 99pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3544">126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 111.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net change in fair value of debt instruments at fair value through other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 111.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2628" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3545">412</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 111.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3546">412</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 111.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2631" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3547">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 111.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3548">435</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 124.5pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised gains/losses on debt instruments at fair value through other comprehensive income reclassified to the statement of profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 124.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2628" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3549">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 124.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3550">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 124.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2631" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3551">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 124.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3552">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 150pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in cash flow hedge reserve<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 150pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2628" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-3553">2,901</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 150pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-3554">2,901</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 150pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2631" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" scale="6" id="f-3555">257</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 150pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-3556">3,158</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 162.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised and unrealised revaluations property in own use<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 162.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2628" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3557">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 162.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3558">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 162.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3559">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 162.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2631" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3560">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 162.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3561">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 175.5pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remeasurement of the net defined benefit asset/liability <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 232.1pt; position: var(--position); text-decoration: none; white-space: pre;">33<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 175.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2628" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-3562">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 175.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-3563">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 175.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2631" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-3564">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 175.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-3565">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 188.25pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 188.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2628" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-3566">442</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 188.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-3567">442</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 188.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2631" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-3568">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 188.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-3569">436</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 201pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share of other comprehensive income of associates and joint ventures and other income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 201pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2628" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3570">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 201pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" sign="-" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3571">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 201pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3572">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 201pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 201pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3573">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 213.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Change in fair value of own credit risk of financial liabilities at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 213.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2628" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-3574">150</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 213.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-3575">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 213.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-3576">165</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 213.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 213.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-3577">165</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 226.5pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total amount recognised directly in other comprehensive income net of tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 226.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.77pt;"></span></span><span style="left: 36.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2628" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3578">2,847</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 226.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.65pt;"></span></span><span style="left: 54.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-3579">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 226.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.77pt;"></span></span><span style="left: 36.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3580">2,855</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 226.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.17pt;"></span></span><span style="left: 43.800000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2631" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-3581">292</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 226.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.77pt;"></span></span><span style="left: 36.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3582">3,147</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 239.25pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 239.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2628" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" scale="6" id="f-3583">161</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 239.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.91pt;"></span></span><span style="left: 35.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3584">11,965</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 239.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.91pt;"></span></span><span style="left: 35.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3585">12,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 239.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2631" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" scale="6" id="f-3586">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 239.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.91pt;"></span></span><span style="left: 35.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3587">12,228</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 252pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total comprehensive income net of tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 252pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.77pt;"></span></span><span style="left: 36.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2628" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3588">2,686</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 252pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3589">11,957</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 252pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.25pt;"></span></span><span style="left: 39.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3590">9,271</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 252pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.17pt;"></span></span><span style="left: 43.800000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2631" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" scale="6" id="f-3591">190</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 252pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.25pt;"></span></span><span style="left: 39.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3592">9,081</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 277.5pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividends and other cash distribution <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 154.26999999999998pt; position: var(--position); text-decoration: none; white-space: pre;">29<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 277.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" name="ing:DividendsRecognisedAsDistributionsToOwners1" format="ixt:num-dot-decimal" scale="6" id="f-3593">3,349</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 277.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" name="ing:DividendsRecognisedAsDistributionsToOwners1" format="ixt:num-dot-decimal" scale="6" id="f-3594">3,349</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 277.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2631" decimals="-6" name="ing:DividendsRecognisedAsDistributionsToOwners1" scale="6" id="f-3595">41</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 277.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:DividendsRecognisedAsDistributionsToOwners1" format="ixt:num-dot-decimal" scale="6" id="f-3596">3,390</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 290.25pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share buyback programme<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 290.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2632" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" scale="6" id="f-3597">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 290.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2628" decimals="-6" sign="-" name="ifrs-full:PurchaseOfTreasuryShares" scale="6" id="f-3598">403</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 290.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-3599">1,983</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 290.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-3600">1,582</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 290.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 290.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-3601">1,582</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 303pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in treasury shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 303pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2628" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions" scale="6" id="f-3602">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 303pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 303pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions" scale="6" id="f-3603">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 303pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions" scale="6" id="f-3604">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 315.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Employee share plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 315.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2632" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-3605">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 315.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 315.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-3606">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 315.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-3607">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 315.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2631" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-3608">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 315.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-3609">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 328.5pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in the composition of the group and other changes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 328.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughChangesInCompositionOfTheGroupAndOtherChanges" scale="6" id="f-3610">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 328.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2630" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughChangesInCompositionOfTheGroupAndOtherChanges" scale="6" id="f-3611">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 328.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2631" decimals="-6" name="ing:IncreaseDecreaseThroughChangesInCompositionOfTheGroupAndOtherChanges" scale="6" id="f-3612">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 328.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughChangesInCompositionOfTheGroupAndOtherChanges" scale="6" id="f-3613">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 341.25pt; width: 602.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 2.44pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance as at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 60.36pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 341.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2588" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3614">17,154</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 668.25pt; position: var(--position); top: 341.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.77pt;"></span></span><span style="left: 36.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2589" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3615">2,192</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 734.25pt; position: var(--position); top: 341.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2590" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3616">41,538</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 341.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2591" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3617">56,500</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 866.25pt; position: var(--position); top: 341.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.65pt;"></span></span><span style="left: 47.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2592" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-3618">504</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 932.25pt; position: var(--position); top: 341.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3619">57,004</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="line-height: 10pt; position: var(--position); top: 516.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">References relate to the accompanying notes. These are an integral part of the Consolidated financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statements. Changes in individual Reserve components are presented in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 364.9pt; position: var(--position); text-decoration: none; white-space: pre;">Note 19 'Equity'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 435.86pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 242<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated statement of changes in equity - continued<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="position: var(--position); top: 127.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 998.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 602.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/></tr><tr style="height: 12.75pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 12.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 602.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 602.25pt; position: var(--position); top: 12.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.19pt; position: var(--position); text-decoration: none; white-space: pre;">Share capital <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.17pt; position: var(--position); text-decoration: none; white-space: pre;">and share <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.39pt; position: var(--position); text-decoration: none; white-space: pre;">premium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 668.25pt; position: var(--position); top: 12.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.72pt; position: var(--position); text-decoration: none; white-space: pre;">Other reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 734.25pt; position: var(--position); top: 12.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.71pt; position: var(--position); text-decoration: none; white-space: pre;">Retained <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.53pt; position: var(--position); text-decoration: none; white-space: pre;">earnings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 800.25pt; position: var(--position); top: 12.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.56pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholders' <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.04pt; position: var(--position); text-decoration: none; white-space: pre;">equity (parent)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 866.25pt; position: var(--position); top: 12.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.48pt; position: var(--position); text-decoration: none; white-space: pre;">Non-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.53pt; position: var(--position); text-decoration: none; white-space: pre;">controlling <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.47pt; position: var(--position); text-decoration: none; white-space: pre;">interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 932.25pt; position: var(--position); top: 12.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.44pt; position: var(--position); text-decoration: none; white-space: pre;">Total equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 48pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance as at 31 December 2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 602.25pt; position: var(--position); top: 48pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2633" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3620">17,128</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 48pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.25pt;"></span></span><span style="left: 39.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2634" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3621">2,342</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 48pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2635" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3622">32,149</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 48pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2636" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3623">51,619</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 48pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.25pt;"></span></span><span style="left: 39.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2637" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3624">1,022</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 48pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2638" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3625">52,640</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 76.5pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net change in fair value of equity instruments at fair value through other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 76.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3626">101</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 76.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3627">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 76.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3628">94</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 76.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2642" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3629">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 76.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-3630">96</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 90.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net change in fair value of debt instruments at fair value through other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 90.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3631">173</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 90.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3632">173</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 90.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2642" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3633">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 90.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3634">186</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 105pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised gains/losses on debt instruments at fair value through other comprehensive income reclassified to the statement of profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 105pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3635">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 105pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3636">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 105pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2642" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3637">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 105pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-3638">42</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 133.5pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in cash flow hedge reserve<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 133.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-3639">1,603</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 133.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-3640">1,603</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 133.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2642" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" scale="6" id="f-3641">352</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 133.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-3642">1,955</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 147.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised and unrealised revaluations property in own use<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 147.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3643">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 147.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3644">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 147.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3645">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 147.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2642" xsi:nil="true" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" id="f-3646"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 147.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-3647">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 162pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remeasurement of the net defined benefit asset/liability<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 162pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-3648">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 162pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-3649">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 162pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-3650">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 176.25pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 176.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-3651">153</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 176.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-3652">153</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 176.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2642" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-3653">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 176.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-3654">143</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 190.5pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share of other comprehensive income of associates and joint ventures and other income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 190.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" sign="-" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3655">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 190.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3656">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 190.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" sign="-" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3657">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 190.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-3658">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 0pt; position: var(--position); top: 204.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.56pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Change in fair value of own credit risk of financial liabilities at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 668.25pt; position: var(--position); top: 204.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.5pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-3659">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 734.25pt; position: var(--position); top: 204.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.5pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 800.25pt; position: var(--position); top: 204.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.5pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-3660">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 932.25pt; position: var(--position); top: 204.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.5pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-3661">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 219.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total amount recognised directly in other comprehensive income net of tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 219.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.77pt;"></span></span><span style="left: 36.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3662">1,465</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 219.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.89pt;"></span></span><span style="left: 52.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-3663">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 219.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.77pt;"></span></span><span style="left: 36.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3664">1,442</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 219.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.17pt;"></span></span><span style="left: 43.800000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2642" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-3665">375</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 219.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.77pt;"></span></span><span style="left: 36.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3666">1,817</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 234pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 234pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" scale="6" id="f-3667">191</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 234pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.97pt;"></span></span><span style="left: 40.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3668">5,760</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 234pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.97pt;"></span></span><span style="left: 40.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3669">5,951</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 234pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2642" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" scale="6" id="f-3670">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 234pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.97pt;"></span></span><span style="left: 40.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-3671">6,079</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 248.25pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total comprehensive income net of tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 248.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.77pt;"></span></span><span style="left: 36.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3672">1,274</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 248.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.25pt;"></span></span><span style="left: 39.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3673">5,782</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 248.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.25pt;"></span></span><span style="left: 39.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3674">4,509</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 248.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.17pt;"></span></span><span style="left: 43.800000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2642" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" scale="6" id="f-3675">247</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 248.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.25pt;"></span></span><span style="left: 39.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-3676">4,262</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 276.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividends<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 276.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 276.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" name="ing:DividendsRecognisedAsDistributionsToOwners1" format="ixt:num-dot-decimal" scale="6" id="f-3677">2,342</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 276.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" name="ing:DividendsRecognisedAsDistributionsToOwners1" format="ixt:num-dot-decimal" scale="6" id="f-3678">2,342</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 276.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.9pt;"></span></span><span style="left: 49.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2642" decimals="-6" name="ing:DividendsRecognisedAsDistributionsToOwners1" scale="6" id="f-3679">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 276.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:DividendsRecognisedAsDistributionsToOwners1" format="ixt:num-dot-decimal" scale="6" id="f-3680">2,382</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 291pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share buyback programme<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 602.25pt; position: var(--position); top: 291pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 291pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-3681">1,604</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 291pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.84pt;"></span></span><span style="left: 44.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" scale="6" id="f-3682">140</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 291pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-3683">1,744</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 291pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.62pt;"></span></span><span style="left: 37.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-3684">1,744</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 305.25pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in treasury shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 305.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2639" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions" scale="6" id="f-3685">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 305.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions" scale="6" id="f-3686">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 305.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions" scale="6" id="f-3687">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 319.5pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Employee share plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 602.25pt; position: var(--position); top: 319.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2643" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-3688">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 319.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-3689">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 319.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2641" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-3690">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 319.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 319.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-3691">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 333.75pt; width: 602.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 602.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance as at 31 December 2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 602.25pt; position: var(--position); top: 333.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2613" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3692">17,144</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 668.25pt; position: var(--position); top: 333.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.17pt;"></span></span><span style="left: 43.800000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2614" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-3693">540</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 734.25pt; position: var(--position); top: 333.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2615" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3694">35,462</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 800.25pt; position: var(--position); top: 333.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2616" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3695">52,066</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 866.25pt; position: var(--position); top: 333.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.65pt;"></span></span><span style="left: 47.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2617" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-3696">736</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 932.25pt; position: var(--position); top: 333.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.01pt;"></span></span><span style="left: 34.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3697">52,802</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in individual Reserve components are presented in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 308.49pt; position: var(--position); text-decoration: none; white-space: pre;">Note 19 'Equity'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 379.45000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 243<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_184"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated statement of cash flows<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="position: var(--position); top: 127.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 487.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 118.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 225pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 12.75pt; width: 343.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 343.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million, for the years ended 31 December<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 12.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 12.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 12.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 25.5pt; width: 343.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 343.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash flows from operating activities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 38.25pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 38.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-3698">6,037</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 38.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-3699">17,358</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 38.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-3700">8,385</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 51pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Adjusted for:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 118.5pt; position: var(--position); top: 51pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Depreciation and amortisation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 343.5pt; position: var(--position); top: 51pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense" scale="6" id="f-3701">674</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 391.5pt; position: var(--position); top: 51pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense" scale="6" id="f-3702">711</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 439.5pt; position: var(--position); top: 51pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense" scale="6" id="f-3703">834</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 118.5pt; position: var(--position); top: 75pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Addition to loan loss provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdjustmentsForProvisions" scale="6" id="f-3704">520</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AdjustmentsForProvisions" format="ixt:num-dot-decimal" scale="6" id="f-3705">1,861</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:AdjustmentsForProvisions" scale="6" id="f-3706">516</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 118.5pt; position: var(--position); top: 87.75pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Revaluations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 343.5pt; position: var(--position); top: 87.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdjustmentsForFairValueGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-3707">1,806</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 87.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-3708">6,002</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 87.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" format="ixt:num-dot-decimal" scale="6" id="f-3709">1,321</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 118.5pt; position: var(--position); top: 102pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Other non-cash items in Result before tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 102pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherAdjustmentsToReconcileProfitLoss" scale="6" id="f-3710">260</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 102pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.84pt;"></span></span><span style="left: 26.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:OtherAdjustmentsToReconcileProfitLoss" scale="6" id="f-3711">330</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 102pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherAdjustmentsToReconcileProfitLoss" scale="6" id="f-3712">131</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 114.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation paid<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 114.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxesPaidClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3713">2,700</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 114.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncomeTaxesPaidClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3714">1,474</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 114.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:IncomeTaxesPaidClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3715">1,873</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 21.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 0pt; position: var(--position); top: 127.5pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 118.5pt; position: var(--position); top: 127.5pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.54pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Loans and advances to banks, not available on <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 12.34pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">demand<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 343.5pt; position: var(--position); top: 127.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-3716">12,693</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 391.5pt; position: var(--position); top: 127.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-3717">5,837</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 439.5pt; position: var(--position); top: 127.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" scale="6" id="f-3718">262</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 118.5pt; position: var(--position); top: 149.25pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Deposits from banks, not payable on demand<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 343.5pt; position: var(--position); top: 149.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.56pt;"></span></span><span style="left: 14.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForIncreaseDecreaseInDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-3719">31,804</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 149.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.56pt;"></span></span><span style="left: 14.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForIncreaseDecreaseInDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-3720">26,976</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 149.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-3721">8,438</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 118.5pt; position: var(--position); top: 163.5pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Trading assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 343.5pt; position: var(--position); top: 163.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-3722">3,359</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 163.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-3723">5,489</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 163.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.9pt;"></span></span><span style="left: 31.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" scale="6" id="f-3724">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 118.5pt; position: var(--position); top: 177.75pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Trading liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 177.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables" format="ixt:num-dot-decimal" scale="6" id="f-3725">1,869</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 177.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables" format="ixt:num-dot-decimal" scale="6" id="f-3726">11,975</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 177.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables" format="ixt:num-dot-decimal" scale="6" id="f-3727">5,596</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 118.5pt; position: var(--position); top: 190.5pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Loans and advances to customers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 190.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3728">5,816</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 190.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.56pt;"></span></span><span style="left: 14.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3729">19,297</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 190.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.56pt;"></span></span><span style="left: 14.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3730">27,860</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 118.5pt; position: var(--position); top: 203.25pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; &#160;Customer deposits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 343.5pt; position: var(--position); top: 203.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3731">8,513</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 203.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3732">25,057</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 203.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInDepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-3733">10,339</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 118.5pt; position: var(--position); top: 217.5pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Non&#8211;trading derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 343.5pt; position: var(--position); top: 217.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:AdjustmentsForIncreaseDecreaseInNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-3734">2,409</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 217.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ing:AdjustmentsForIncreaseDecreaseInNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-3735">5,469</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 217.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:AdjustmentsForIncreaseDecreaseInNonTradingDerivatives" scale="6" id="f-3736">290</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 118.5pt; position: var(--position); top: 231.75pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Assets designated at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 343.5pt; position: var(--position); top: 231.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:AdjustmentsForIncreaseDecreaseInOtherFinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-3737">260</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 231.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.25pt;"></span></span><span style="left: 34.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:AdjustmentsForIncreaseDecreaseInOtherFinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-3738">45</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 231.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ing:AdjustmentsForIncreaseDecreaseInOtherFinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3739">1,907</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 118.5pt; position: var(--position); top: 246pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Assets mandatorily at fair value through profit or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 343.5pt; position: var(--position); top: 246pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:AdjustmentsForIncreaseDecreaseInFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3740">7,402</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 391.5pt; position: var(--position); top: 246pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ing:AdjustmentsForIncreaseDecreaseInFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3741">4,143</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 439.5pt; position: var(--position); top: 246pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:AdjustmentsForIncreaseDecreaseInFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3742">1,650</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 118.5pt; position: var(--position); top: 270pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Other assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 343.5pt; position: var(--position); top: 270pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdjustmentsForDecreaseIncreaseInOtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-3743">1,727</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 270pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInOtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-3744">2,866</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 270pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.84pt;"></span></span><span style="left: 26.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInOtherAssets" scale="6" id="f-3745">113</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 118.5pt; position: var(--position); top: 284.25pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Other financial liabilities at fair value through profit <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 343.5pt; position: var(--position); top: 284.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3746">4,391</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 391.5pt; position: var(--position); top: 284.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3747">9,886</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 439.5pt; position: var(--position); top: 284.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ing:AdjustmentsForIncreaseDecreaseInOtherFinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3748">6,791</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 118.5pt; position: var(--position); top: 308.25pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Provisions and other liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #b6b6b6; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 343.5pt; position: var(--position); top: 308.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInOtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3749">2,320</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #b6b6b6; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 308.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.84pt;"></span></span><span style="left: 26.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForIncreaseDecreaseInOtherLiabilities" scale="6" id="f-3750">123</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #b6b6b6; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 308.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.84pt;"></span></span><span style="left: 26.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForIncreaseDecreaseInOtherLiabilities" scale="6" id="f-3751">304</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 322.5pt; width: 343.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 343.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net cash flow from/(used in) operating activities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 343.5pt; position: var(--position); top: 322.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.53pt;"></span></span><span style="left: 13.16pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3752">11,340</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 322.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.53pt;"></span></span><span style="left: 13.16pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3753">11,112</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 322.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.53pt;"></span></span><span style="left: 13.16pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3754">14,943</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 349.5pt; width: 343.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 343.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash flows from investing activities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 363.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investments and advances:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 118.5pt; position: var(--position); top: 363.75pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Associates and joint ventures<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 363.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.9pt;"></span></span><span style="left: 31.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod" scale="6" id="f-3755">55</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 363.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.9pt;"></span></span><span style="left: 31.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod" scale="6" id="f-3756">48</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 363.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.9pt;"></span></span><span style="left: 31.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod" scale="6" id="f-3757">91</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 118.5pt; position: var(--position); top: 376.5pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Financial assets at fair value through other <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 343.5pt; position: var(--position); top: 376.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.56pt;"></span></span><span style="left: 14.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2644" decimals="-6" name="ifrs-full:PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3758">19,995</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 391.5pt; position: var(--position); top: 376.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.56pt;"></span></span><span style="left: 14.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2645" decimals="-6" name="ifrs-full:PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3759">18,806</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 439.5pt; position: var(--position); top: 376.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.56pt;"></span></span><span style="left: 14.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2646" decimals="-6" name="ifrs-full:PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3760">13,186</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 118.5pt; position: var(--position); top: 400.5pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Securities at amortised cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 400.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.56pt;"></span></span><span style="left: 14.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2647" decimals="-6" name="ifrs-full:PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3761">49,614</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 400.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.56pt;"></span></span><span style="left: 14.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2648" decimals="-6" name="ifrs-full:PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3762">24,651</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 400.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.56pt;"></span></span><span style="left: 14.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2649" decimals="-6" name="ifrs-full:PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3763">44,945</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #b6b6b6; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #b6b6b6; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 118.5pt; position: var(--position); top: 413.25pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Property and equipment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #b6b6b6; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 413.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.84pt;"></span></span><span style="left: 26.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="f-3764">246</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #b6b6b6; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 413.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.84pt;"></span></span><span style="left: 26.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="f-3765">231</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #b6b6b6; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 413.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.84pt;"></span></span><span style="left: 26.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="f-3766">184</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position: var(--position); top: 127.31pt; width: 1080pt;"><div style="left: 540.85pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 128.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 210pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48.75pt;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 338.25pt; position: var(--position); top: 12.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 12.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 12.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.16pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 128.25pt; position: var(--position); top: 25.5pt; width: 210pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 210pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Other investments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 338.25pt; position: var(--position); top: 25.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.59pt;"></span></span><span style="left: 27.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2650" decimals="-6" sign="-" name="ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities" scale="6" id="f-3767">310</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 25.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.59pt;"></span></span><span style="left: 27.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2651" decimals="-6" sign="-" name="ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities" scale="6" id="f-3768">198</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 25.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.59pt;"></span></span><span style="left: 27.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2652" decimals="-6" sign="-" name="ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities" scale="6" id="f-3769">179</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 128.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 128.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Disposals and redemptions:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 128.25pt; position: var(--position); top: 39.75pt; width: 210pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 210pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Associates and joint ventures<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 338.25pt; position: var(--position); top: 39.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.94pt;"></span></span><span style="left: 30.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod" scale="6" id="f-3770">164</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 39.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod" scale="6" id="f-3771">58</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 39.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod" scale="6" id="f-3772">57</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 128.25pt; position: var(--position); top: 52.5pt; width: 210pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 210pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Disposal of subsidiaries, net of cash disposed<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 338.25pt; position: var(--position); top: 52.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" scale="6" id="f-3773">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 52.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" scale="6" id="f-3774">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 52.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" scale="6" id="f-3775">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 128.25pt; position: var(--position); top: 65.25pt; width: 210pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 210pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Financial assets at fair value through other <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 210pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 338.25pt; position: var(--position); top: 65.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.66pt;"></span></span><span style="left: 18.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2644" decimals="-6" name="ifrs-full:ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3776">11,913</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 387pt; position: var(--position); top: 65.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.66pt;"></span></span><span style="left: 18.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2645" decimals="-6" name="ifrs-full:ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3777">14,526</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 435.75pt; position: var(--position); top: 65.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.66pt;"></span></span><span style="left: 18.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2646" decimals="-6" name="ifrs-full:ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3778">17,750</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 128.25pt; position: var(--position); top: 89.25pt; width: 210pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 210pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Securities at amortised cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 338.25pt; position: var(--position); top: 89.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.66pt;"></span></span><span style="left: 18.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2647" decimals="-6" name="ifrs-full:ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3779">49,525</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 89.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.66pt;"></span></span><span style="left: 18.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2648" decimals="-6" name="ifrs-full:ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3780">23,943</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 89.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.66pt;"></span></span><span style="left: 18.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2649" decimals="-6" name="ifrs-full:ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3781">46,933</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 128.25pt; position: var(--position); top: 102pt; width: 210pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 210pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Property and equipment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 338.25pt; position: var(--position); top: 102pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="f-3782">57</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 102pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="f-3783">83</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 102pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" scale="6" id="f-3784">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 128.25pt; position: var(--position); top: 114.75pt; width: 210pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 210pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Other investments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 338.25pt; position: var(--position); top: 114.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2653" decimals="-6" name="ing:DisposalsAndRedemptionsFromOtherInvestments" scale="6" id="f-3785">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 387pt; position: var(--position); top: 114.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2654" decimals="-6" name="ing:DisposalsAndRedemptionsFromOtherInvestments" scale="6" id="f-3786">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 435.75pt; position: var(--position); top: 114.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2655" decimals="-6" name="ing:DisposalsAndRedemptionsFromOtherInvestments" scale="6" id="f-3787">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 138.75pt; width: 338.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 338.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net cash flow from/(used in) investing activities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 338.25pt; position: var(--position); top: 138.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.52pt;"></span></span><span style="left: 19.15pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3788">8,545</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 138.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.52pt;"></span></span><span style="left: 19.15pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3789">5,307</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 138.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3790">6,220</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 164.25pt; width: 338.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 338.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash flows from financing activities <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 152.35999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">32<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 177pt; width: 338.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 338.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Proceeds from debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 338.25pt; position: var(--position); top: 177pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span><span style="left: 13.23pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProceedsFromIssueOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-3791">116,436</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 177pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.66pt;"></span></span><span style="left: 18.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProceedsFromIssueOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-3792">92,707</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 177pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.66pt;"></span></span><span style="left: 18.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProceedsFromIssueOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-3793">85,113</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 191.25pt; width: 338.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 338.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Repayments of debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 338.25pt; position: var(--position); top: 191.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.31pt;"></span></span><span style="left: 14.940000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:RepaymentsOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-3794">90,574</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 191.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.31pt;"></span></span><span style="left: 14.940000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:RepaymentsOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-3795">82,844</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 191.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.31pt;"></span></span><span style="left: 14.940000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:RepaymentsOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-3796">76,150</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 205.5pt; width: 338.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 338.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Proceeds from issuance of subordinated loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 338.25pt; position: var(--position); top: 205.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3797">2,225</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 205.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.94pt;"></span></span><span style="left: 30.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" scale="6" id="f-3798">983</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 205.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3799">3,163</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 219.75pt; width: 338.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 338.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Repayments of subordinated loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 338.25pt; position: var(--position); top: 219.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3800">2,894</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 219.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3801">1,090</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 219.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-3802">2,449</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="2" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 234pt; width: 338.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 338.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Repayments of principal portion of lease liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 338.25pt; position: var(--position); top: 234pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.59pt;"></span></span><span style="left: 27.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities" scale="6" id="f-3803">291</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 387pt; position: var(--position); top: 234pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.59pt;"></span></span><span style="left: 27.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities" scale="6" id="f-3804">296</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 435.75pt; position: var(--position); top: 234pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.59pt;"></span></span><span style="left: 27.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities" scale="6" id="f-3805">301</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 258pt; width: 338.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 338.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Purchase/sale of treasury shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 338.25pt; position: var(--position); top: 258pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:ProceedsFromSaleOrIssuePurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-3806">3,531</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 258pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ing:ProceedsFromSaleOrIssuePurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-3807">1,717</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 258pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ing:ProceedsFromSaleOrIssuePurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-3808">1,608</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 272.25pt; width: 338.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 338.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividends paid<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 338.25pt; position: var(--position); top: 272.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3809">2,967</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 387pt; position: var(--position); top: 272.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3810">3,093</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 435.75pt; position: var(--position); top: 272.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3811">2,382</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 296.25pt; width: 338.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 338.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other financing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 338.25pt; position: var(--position); top: 296.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities" scale="6" id="f-3812">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 296.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities" scale="6" id="f-3813">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 296.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities" scale="6" id="f-3814">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 310.5pt; width: 338.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 338.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net cash flow from/(used in) financing activities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 338.25pt; position: var(--position); top: 310.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.76pt;"></span></span><span style="left: 17.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3815">18,404</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 310.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3816">4,649</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 310.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3817">5,387</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a9a9a9; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a9a9a9; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a9a9a9; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 353.25pt; width: 128.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 128.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net cash flow<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a9a9a9; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 338.25pt; position: var(--position); top: 353.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.52pt;"></span></span><span style="left: 19.15pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges" format="ixt:num-dot-decimal" scale="6" id="f-3818">1,481</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a9a9a9; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 353.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.28pt;"></span></span><span style="left: 13.91pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges" format="ixt:num-dot-decimal" scale="6" id="f-3819">11,770</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a9a9a9; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 353.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.52pt;"></span></span><span style="left: 19.15pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges" format="ixt:num-dot-decimal" scale="6" id="f-3820">3,335</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 23.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 390.75pt; width: 338.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 338.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and cash equivalents at beginning of year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 338.25pt; position: var(--position); top: 390.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.66pt;"></span></span><span style="left: 18.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-3821">95,391</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 390.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span><span style="left: 13.23pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-3822">107,665</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 390.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.6pt;"></span></span><span style="left: 13.23pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2638" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-3823">111,566</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 403.5pt; width: 338.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 338.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Effect of exchange rate changes on cash and cash equivalents<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a9a9a9; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 338.25pt; position: var(--position); top: 403.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.59pt;"></span></span><span style="left: 27.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" scale="6" id="f-3824">898</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a9a9a9; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 403.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.59pt;"></span></span><span style="left: 27.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" scale="6" id="f-3825">504</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a9a9a9; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 403.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.59pt;"></span></span><span style="left: 27.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" scale="6" id="f-3826">565</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 1.5pt solid #a9a9a9; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 416.25pt; width: 338.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 338.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and cash equivalents at end of year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a9a9a9; border-top: 1.5pt solid #a9a9a9; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 338.25pt; position: var(--position); top: 416.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.76pt;"></span></span><span style="left: 17.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-3827">93,012</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a9a9a9; border-top: 1.5pt solid #a9a9a9; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 416.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.76pt;"></span></span><span style="left: 17.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-3828">95,391</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a9a9a9; border-top: 1.5pt solid #a9a9a9; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 416.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.52pt;"></span></span><span style="left: 12.149999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-3829">107,665</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 244<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated statement of cash flows - continued<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="position: var(--position); top: 142.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and cash equivalents<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Treasury bills and other eligible bills included in securities at AC<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:TreasuryBillsAndOtherEligibleBills" scale="6" id="f-3830">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:TreasuryBillsAndOtherEligibleBills" scale="6" id="f-3831">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:TreasuryBillsAndOtherEligibleBills" scale="6" id="f-3832">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deposits from banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:IncludedInCashAndCashEquivalentsOfDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-3833">5,132</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:IncludedInCashAndCashEquivalentsOfDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-3834">6,172</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:IncludedInCashAndCashEquivalentsOfDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-3835">7,059</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:IncludedInCashAndCashEquivalentsOfLoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-3836">7,931</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:IncludedInCashAndCashEquivalentsOfLoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-3837">13,948</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:IncludedInCashAndCashEquivalentsOfLoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-3838">8,181</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and balances with central banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-3839">90,214</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-3840">87,614</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-3841">106,520</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and cash equivalents at end of year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-3842">93,012</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-3843">95,391</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:CashAndCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-3844">107,665</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 260.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and cash equivalents includes deposits from banks and loans and advances to banks that are payable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 272.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on demand.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 94.03999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 299.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Included in Cash and cash equivalents are minimum mandatory reserve deposits held at various central <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 311.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">banks. Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 168.26pt; position: var(--position); text-decoration: none; white-space: pre;">Note 39 'Transfer of financial assets, assets pledged and received as collateral'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 518.08pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 323.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for restrictions on Cash and balances with central banks. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 350.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">References relate to the accompanying notes. These are an integral part of the Consolidated financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 389.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The table below presents the Interest and dividend received and paid.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 401.56pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest received<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestReceivedClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3845">51,029</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestReceivedClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3846">28,105</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestReceivedClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3847">21,496</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest paid<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 42.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.56pt;"></span></span><span style="left: 11.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestPaidClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3848">33,734</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 42.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.56pt;"></span></span><span style="left: 11.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestPaidClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3849">14,193</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 42.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestPaidClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3850">8,705</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 57pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:NetInterestReceivedPaidClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3851">17,295</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 57pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:NetInterestReceivedPaidClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3852">13,911</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 57pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:NetInterestReceivedPaidClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3853">12,791</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividend received <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 75.67pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DividendsReceivedClassifiedAsOperatingActivities" scale="6" id="f-3854">205</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DividendsReceivedClassifiedAsOperatingActivities" scale="6" id="f-3855">229</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:DividendsReceivedClassifiedAsOperatingActivities" scale="6" id="f-3856">172</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividend paid<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 99.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3857">2,967</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 99.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3858">3,093</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 99.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-3859">2,382</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 520.56pt; width: 1080pt;"><ix:footnote id="fn-3" continuedAt="fn-3-1" footnoteRole="http://www.xbrl.org/2003/role/footnote"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1 Includes dividends received as recognised within Investment Income, from equity securities included in the Financial assets at fair <span style="display: inline-block; height: 6pt;"></span></span></ix:footnote></div><ix:continuation id="fn-3-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 530.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">value through profit or loss, Financial assets at fair value through OCI, and from Investments in associates and joint ventures. Dividends <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 539.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">paid and received from trading positions have been included.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Dividends received from associates and joint ventures are included in investing activities, interest received, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">interest paid and other dividends received are included in operating activities and dividend paid is included <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in financing activities in the Consolidated statement of cash flows.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 245<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_187"></div><div style="font-size: 12pt; line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory" id="f-3860" continuedAt="f-3860-1" escape="true"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Notes to the Consolidated financial statements<span style="display: inline-block; height: 20.25pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3860-1" continuedAt="f-3860-2"><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 145.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1&#160;  Basis of preparation and material accounting policy information<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 179.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.1&#160;  Reporting entity and authorisation of the Consolidated financial statements<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 193.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V.<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 105.42999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> is a company domiciled in Amsterdam, the Netherlands. Commercial Register of Amsterdam, <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 207.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">number <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 77.94pt; position: var(--position); text-decoration: none; white-space: pre;">33231073<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 122.98pt; position: var(--position); text-decoration: none; white-space: pre;">. These Consolidated financial statements, as at and for the year ended <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 444.25pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 219.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 62.489999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">, comprise ING Groep N.V. (the Parent company) and its subsidiaries, together referred to as ING Group. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 231.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group is a global financial institution with a strong European base, offering a wide range of retail and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 243.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">wholesale banking services to customers in over <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 257.45pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="country" contextRef="c-2656" decimals="0" name="ing:NumberOfCountriesInWhichTheEntityOperates" scale="0" id="f-3861">40</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 268.71000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> countries. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 270.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The ING Group Consolidated financial statements, as at and for the year ended <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 394.4pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 479.20000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">, were <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">authorised for issue in accordance with a resolution of the Executive Board on 4 March 2024. The Executive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 294.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Board has the power to amend the financial statements as long as these are not adopted by the General <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 306.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Meeting of Shareholders. The General Meeting of the Shareholders may decide not to adopt the financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 318.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statements, but may not amend these.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 347.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory" id="f-3862" continuedAt="f-3862-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.2&#160;  Basis of preparation of the Consolidated financial statements<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 404.95000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3862-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The ING Group Consolidated financial statements have been prepared in accordance with International <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Reporting Standards as issued by the International Accounting Standards Board for purposes of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reporting with the U.S. Securities and Exchange Commission (SEC), including financial information contained <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 400.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in this Annual report on Form 20-F. The term &#8216;IFRS-IASB&#8217; is used to refer to International Financial Reporting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 412.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Standards as issued by the International Accounting Standards Board, including the decisions ING Group <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 424.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">made with regard to the options available under IFRS-IASB.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The ING Group Consolidated financial statements have been prepared on a going concern basis and there <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are no significant doubts about the ability of ING Group to continue as a going concern. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Consolidated financial statements are presented in euros and rounded to the nearest million, unless <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">stated otherwise. Amounts may not add up due to rounding.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 531.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:PresentationOfRiskManagementDisclosuresExplanatoryPolicyTextBlock" id="f-3863" continuedAt="f-3863-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.2.1&#160;  Presentation of Risk management disclosures<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3863-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 546.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To improve transparency, reduce duplication and present related information in one place, certain <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">disclosures of the nature and extent of risks related to financial instruments required by IFRS 7 &#8216;Financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">instruments: Disclosures&#8217; are included in the &#8216;Risk management&#8217; section of the Annual Report.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 168.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">These disclosures are an integral part of ING Group Consolidated financial statements and are indicated in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 180.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the &#8216;Risk management&#8217; section by the symbol (*). Chapters, paragraphs, graphs or tables within the 'Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 192.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management' section that are indicated with this symbol in the respective headings or table header are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 204.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">considered to be an integral part of the Consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 233.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DescriptionOfAccountingPolicyForReconciliationBetweenIFRSEUAndIFRSIASBPolicyTextBlock" id="f-3864" continuedAt="f-3864-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.2.2 Reconciliation between IFRS-EU and IFRS-IASB<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3864-1" continuedAt="f-3864-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The published 2023 Consolidated financial statements of ING Group are prepared in accordance with IFRS-<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EU. IFRS-EU refers to International Financial Reporting Standards (&#8216;IFRS&#8217;) as adopted by the European Union <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(EU), including the decisions ING Group made with regard to the options available under IFRS as adopted by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the EU. IFRS-EU differs from IFRS-IASB in respect of certain paragraphs in IAS 39 &#8216;Financial Instruments: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Recognition and Measurement&#8217; regarding hedge accounting for portfolio hedges of interest rate risk.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Under IFRS-EU, ING Group applies fair value hedge accounting for portfolio hedges of interest rate risk (fair <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">value macro hedges) in accordance with the EU carve-out version of IAS 39. Particularly, it is applied to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio-based hedging strategies for retail lending (mortgages) and core deposits. Under the EU IAS 39 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">carve-out, hedge accounting may be applied, in respect of fair value macro hedges, to core deposits. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 373.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">addition, and in general to any hedge accounting relationship under the EU IAS 39 carve-out, the hedge <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 385.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">effectiveness requirements are less strict than under IFRS-IASB and hedge ineffectiveness is only recognised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 397.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">when the revised estimate of the amount of cash flows in scheduled time buckets falls below the original <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 409.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">designated amount of that bucket and is not recognised when the revised amount of cash flows in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 421.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">scheduled time buckets is more than the original designated amount. Under IFRS-IASB, hedge accounting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 433.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for fair value macro hedges cannot be applied to core deposits and ineffectiveness arises whenever the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 445.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">revised estimate of the amount of cash flows in scheduled time buckets is either more or less than the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 457.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">original designated amount of that bucket. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 484.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This information is prepared by reversing the hedge accounting impacts that are applied under the EU <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 496.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;carve-out&#8217; version of IAS 39. Financial information under IFRS-IASB accordingly does not take account of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 508.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">possibility that had ING Group applied IFRS-IASB as its primary accounting framework it might have applied <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 520.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">alternative hedge strategies where those alternative hedge strategies could have qualified for IFRS-IASB <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compliant hedge accounting. These decisions could have resulted in different shareholders&#8217; equity and net <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 544.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">result amounts compared to those indicated in this Annual Report on Form 20-F.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 246<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div style="background-image: url('data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHN0eWxlPSJwb2ludGVyLWV2ZW50czogbm9uZTsiPjxwYXRoIHN0eWxlPSJmaWxsOiB0cmFuc3BhcmVudDsgc3Ryb2tlOiAjMDAwMDAwOyBzdHJva2Utd2lkdGg6IDFwdDsiIGQ9Ik0gNTMuMjkgNzM0LjU2IEggMzE5Ljk2Ij48L3BhdGg+PC9zdmc+'); background-size: 1080pt 607.47pt; height: 607.47pt; position: var(--position); width: 1080pt;"></div><ix:continuation id="f-3860-2" continuedAt="f-3860-3"><div><ix:continuation id="f-3864-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 50.8pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 73.32pt; position: var(--position); text-decoration: none; white-space: pre;">, forward <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 115.82pt; position: var(--position); text-decoration: none; white-space: pre;">interest rates decreased<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 224.3pt; position: var(--position); text-decoration: none; white-space: pre;"> resulting in a <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 287.1pt; position: var(--position); text-decoration: none; white-space: pre;">negative<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 325.9pt; position: var(--position); text-decoration: none; white-space: pre;"> EU IAS 39 carve out adjustment of EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:ReconciliationNetResultEffectOfAdjustmentAfterTaxEUIAS39Carveout" format="ixt:num-dot-decimal" scale="6" id="f-3865">3,147</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 68.63pt; position: var(--position); text-decoration: none; white-space: pre;"> million (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 106.74pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 129.26pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 154.39pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:ReconciliationNetResultEffectOfAdjustmentAfterTaxEUIAS39Carveout" format="ixt:num-dot-decimal" scale="6" id="f-3866">8,451</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 179.32pt; position: var(--position); text-decoration: none; white-space: pre;"> million <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 214.25pt; position: var(--position); text-decoration: none; white-space: pre;">positive<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 248.48pt; position: var(--position); text-decoration: none; white-space: pre;">). The impact of the adjustment is mainly reflected in line <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">item 'Valuation results and net trading income' in the statement of profit or loss. A reconciliation between <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">IFRS-EU and IFRS-IASB is included below.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Both IFRS-EU and IFRS-IASB differ in several areas from accounting principles generally accepted in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">United States of America (US GAAP). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 163.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfReconciliationNetResultExplanatoryTableTextBlock" id="f-3867" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 483pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Reconciliation net result under IFRS-EU and IFRS-IASB<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 14.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438.75pt; position: var(--position); top: 14.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In accordance with IFRS-EU (attributable to the shareholders of the parent)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 27pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:NetResultAttributableToOwnersOfParentEuIfrs" format="ixt:num-dot-decimal" scale="6" id="f-3868">7,287</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 27pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:NetResultAttributableToOwnersOfParentEuIfrs" format="ixt:num-dot-decimal" scale="6" id="f-3869">3,674</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438.75pt; position: var(--position); top: 27pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:NetResultAttributableToOwnersOfParentEuIfrs" format="ixt:num-dot-decimal" scale="6" id="f-3870">4,776</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustment of the EU IAS 39 carve-out<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 39.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.62pt;"></span></span><span style="left: 13.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:ReconciliationNetResultAdjustmentOfEUIAS39Carveout" format="ixt:num-dot-decimal" scale="6" id="f-3871">4,455</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 39.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.91pt;"></span></span><span style="left: 11.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:ReconciliationNetResultAdjustmentOfEUIAS39Carveout" format="ixt:num-dot-decimal" scale="6" id="f-3872">11,856</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438.75pt; position: var(--position); top: 39.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:ReconciliationNetResultAdjustmentOfEUIAS39Carveout" format="ixt:num-dot-decimal" scale="6" id="f-3873">1,603</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Tax effect of the adjustment<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 116.8pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;"> 1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 52.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:ReconciliationNetResultTaxEffectOfAdjustment" format="ixt:num-dot-decimal" scale="6" id="f-3874">1,308</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 52.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.62pt;"></span></span><span style="left: 13.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:ReconciliationNetResultTaxEffectOfAdjustment" format="ixt:num-dot-decimal" scale="6" id="f-3875">3,405</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438.75pt; position: var(--position); top: 52.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.84pt;"></span></span><span style="left: 20.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:ReconciliationNetResultTaxEffectOfAdjustment" scale="6" id="f-3876">429</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Effect of adjustment after tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 65.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.62pt;"></span></span><span style="left: 13.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:ReconciliationNetResultEffectOfAdjustmentAfterTaxEUIAS39Carveout" format="ixt:num-dot-decimal" scale="6" id="f-3877">3,147</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 65.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:ReconciliationNetResultEffectOfAdjustmentAfterTaxEUIAS39Carveout" format="ixt:num-dot-decimal" scale="6" id="f-3878">8,451</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438.75pt; position: var(--position); top: 65.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:ReconciliationNetResultEffectOfAdjustmentAfterTaxEUIAS39Carveout" format="ixt:num-dot-decimal" scale="6" id="f-3879">1,174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In accordance with IFRS-IASB (attributable to the shareholders of the parent)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 78pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.25pt;"></span></span><span style="left: 15.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-3880">4,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.18pt;"></span></span><span style="left: 39.18pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 78pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.01pt;"></span></span><span style="left: 10.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-3881">12,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.18pt;"></span></span><span style="left: 39.18pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438.75pt; position: var(--position); top: 78pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.25pt;"></span></span><span style="left: 15.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-3882">5,951</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.18pt;"></span></span><span style="left: 39.18pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="position: var(--position); top: 274.66pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfReconciliationShareholdersEquityTableTextBlock" id="f-3883" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Reconciliation shareholders&#8217; equity under IFRS-EU and IFRS-IASB<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In accordance with IFRS-EU (attributable to the shareholders of the parent)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; 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font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.66pt;"></span></span><span style="left: 12.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:ShareholderEquityInAccordanceWithEuIfrs" format="ixt:num-dot-decimal" scale="6" id="f-3886">53,919</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustment of the EU IAS 39 carve-out<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.72pt;"></span></span><span style="left: 17.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ing:AdjustmentOfEUIAS39Carveout" format="ixt:num-dot-decimal" scale="6" id="f-3887">4,902</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; 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font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Tax effect of the adjustment<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 116.8pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;"> 1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.37pt;"></span></span><span style="left: 14pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ing:TaxEffectOfAdjustment" format="ixt:num-dot-decimal" scale="6" id="f-3890">1,457</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.37pt;"></span></span><span style="left: 14pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="ing:TaxEffectOfAdjustment" format="ixt:num-dot-decimal" scale="6" id="f-3891">2,765</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:TaxEffectOfAdjustment" scale="6" id="f-3892">637</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); 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font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.76pt;"></span></span><span style="left: 11.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:EquityAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-3898">52,066</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.18pt;"></span></span><span style="left: 39.93pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 392.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory" id="f-3899" continuedAt="f-3899-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.3&#160;  Changes to accounting policies and presentation<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3899-1" continuedAt="f-3899-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> has consistently applied its accounting policies to all periods presented in these Consolidated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 446.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, ING Group updated the presentation in Note 13 'Customer deposits' to improve consistency and <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 458.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-3899-2">comparability. Comparative figures for 2022 have been updated accordingly.</ix:continuation> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 487.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfExpectedImpactOfInitialApplicationOfNewStandardsOrInterpretations" id="f-3900" continuedAt="f-3900-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.3.1&#160;  Changes in IFRS effective in 2023<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3900-1" continuedAt="f-3900-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 501.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group had the following changes in accounting policies in the current reporting period:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">IFRS 17 &#8216;Insurance Contracts&#8217;<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">IFRS 17, a new accounting standard for insurance contracts covering recognition and measurement, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">presentation and disclosure requirements, became effective on 1 January 2023. IFRS 17 replaces IFRS 4 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Insurance Contracts&#8217;, which allowed diversity in accounting practices for insurance contracts. IFRS 17 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">includes an optional scope exclusion for loans with death waivers.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group does not have an insurance business, but on a limited basis sells insurance products as a broker <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">where it does not run the insurance risk, hence such contracts are not in scope of IFRS 17. However, ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Group has a portfolio of loans with death waivers in the Netherlands with a net carrying amount of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1018.87pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2657" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-3901">743</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1035.76pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million at 1 January 2023. While IFRS 4 allowed separation of such contracts into two components in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">past (a loan in scope of IFRS 9 &#8216;Financial Instruments&#8217; measured at amortised cost and an insurance contract <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for the death waiver feature in scope of IFRS 4), IFRS 17 no longer allows such separation and requires such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">instruments to be accounted for in their entirety using either IFRS 9 or IFRS 17. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group chooses to apply IFRS 9 &#8217;Financial Instruments&#8217; to such loans with death waivers. As a result, this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio no longer meets the &#8216;solely payments of principal and interest&#8217; (SPPI) criterion. This causes the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio to be measured at fair value through profit or loss instead of amortised cost from 1 January 2023. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This reclassification led to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 692.14pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2658" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3902">13</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 739.56pt; position: var(--position); text-decoration: none; white-space: pre;"> impact on the opening total equity at 1 January 2023. Therefore, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the financial impact of IFRS 17 on ING Group is limited. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Accounting treatment of non-financial guarantees <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group changed its accounting policy for non-financial guarantees that are subject to contractual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">indemnification rights (such as performance and other non-financial guarantees as well as letters of credit) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from IAS 37 principles to loan commitment accounting under IFRS 9. The re-scoping was triggered by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">introduction of IFRS 17 Insurance contracts and results in reliable and more relevant information, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">particularly when credit risk is elevated as IFRS 9 expected credit losses model captures that risk earlier than <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">IAS 37. This voluntary policy change had a limited impact on ING&#8217;s opening total equity of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 977.04pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2659" decimals="-6" sign="-" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-3903">33</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1024.46pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other changes in IFRS effective in 2023 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following amendments to IFRS became effective in the current reporting period with no significant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">impact for ING: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 466.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Amendments to IAS 1 &#8216;Presentation of Financial Statements&#8217;: Disclosure of Accounting Policies (issued in <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 479.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">February 2021).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 492.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Amendments to IAS 8 &#8216;Accounting Policies, Changes in Accounting Estimates and Errors&#8217;: Definition of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Accounting Estimates (issued in February 2021). <span style="display: inline-block; height: 12pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 247<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div><div style="left: 0pt; position: var(--position); top: 555.92pt;"><div style="width: 1000pt;"><div style="line-height: 8pt; position: var(--position); top: 0pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 5.2pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; top: -2.0999999999999996pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 3.9000000000000004pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 42.89pt; position: var(--position); text-decoration: none; white-space: pre;"> Includes the effect of changes in tax rate<span style="display: inline-block; height: 6pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3860-3" continuedAt="f-3860-4"><div><ix:continuation id="f-3900-2"><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Amendments to IAS 12 &#8216;Income Taxes&#8217;: Deferred Tax Related to Assets and Liabilities Arising From a <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Single Transaction (issued in May 2021).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Amendments to IAS 12 'Income Taxes': International Tax Reform - Pillar Two Model Rules. These <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">amendments allow ING Group to scope out Pillar Two model rules from the deferred tax recognition and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">related disclosure requirements. More information on ING Group&#8217;s exposure to Pillar Two model rules is <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 128.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">included in Note 31 &#8216;Information on geographical areas'.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 156.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.3.2&#160;  Upcoming changes in IFRS after 2023<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 171.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The following published amendments are not mandatory for 2023 and have not been early adopted by <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 504.15999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">ING <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 185.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Group. The implementation of these amendments is expected to have no significant impact on ING Group's <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 197.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated financial statements when they become effective.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 224.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Effective in 2024:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 240.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Amendments to IFRS 16 'Leases': Lease Liability in a Sale and Leaseback (issued in September 2022).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 253.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Amendments to IAS 1 &#8216;Presentation of Financial Statements&#8217;: Classification of Liabilities as Current or <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 266.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Non-current (issued in January 2020). <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 278.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Amendments to IAS 7 'Statement of Cash flows' and IFRS 7 'Financial Instruments: Disclosures': Supplier <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 291.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Finance Arrangements (issued in May 2023).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Effective in 2025:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 335.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Amendments to IAS 21 'The Effects of Changes in Foreign Exchange Rates': Lack of Exchangeability <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 348.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">(issued in August 2023).<span style="display: inline-block; height: 12pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 376.11pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory" id="f-3904" continuedAt="f-3904-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.4&#160;  Significant judgements and critical accounting estimates and assumptions<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3904-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The preparation of the Consolidated financial statements requires management to make judgements in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 402.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">process of applying its accounting policies and to use estimates and assumptions. The estimates and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">assumptions affect the reported amounts of the assets and liabilities and the amounts of the contingent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">assets and contingent liabilities at the balance sheet date, as well as reported income and expenses for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">year. The actual outcome may differ from these estimates. The process of setting assumptions is subject to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">internal control procedures and approvals<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 226.91pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 477.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> has identified areas that require management to make significant judgements and use critical <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 489.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">accounting estimates and assumptions based on the information and financial data that may or may not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 501.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">change in future periods. These areas are: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 513.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Loan loss provisions (financial assets) (refer to Note 1.5.6 &#8216;Impairment of financial assets');<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 526.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The determination of the fair values of financial assets and liabilities (refer to Note 1.5.3 for &#8216;Fair values of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 539.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">financial assets and liabilities&#8217;);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Investment in associate - assessment of additional impairment losses or reversal of previous impairment <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">losses (refer to Note 1.10 &#8216;Investments in associates and joint ventures);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions (refer to Note 1.15 &#8216;Provisions, contingent liabilities and contingent assets&#8217;); and<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Accounting for Targeted Longer-Term Refinancing Operations (TLTRO) (refer to Note 1.5.8 &#8216;Accounting for <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Targeted Longer-Term Refinancing Operations (TLTRO)').<span style="display: inline-block; height: 12pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 145.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DescriptionOfAccountingPolicyForRecognitionAndDerecognitionOfFinancialInstrumentsExplanatoryPolicyTextBlock" id="f-3905" continuedAt="f-3905-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.5&#160;  Financial instruments<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3905-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 164.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group applies IFRS 9 &#8216;Financial Instruments&#8217; to the recognition, classification and measurement, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 176.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">derecognition of financial assets and financial liabilities and the impairment of financial assets. The Group <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 188.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">applies the requirements of IAS 39 &#8216;Financial Instruments: Recognition and Measurement&#8217; for hedge <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 200.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">accounting purposes.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 229.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.5.1&#160;  Recognition and derecognition of financial instruments<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 258.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Recognition of financial assets<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 270.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets are recognised in the balance sheet when <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 816.7pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 862.19pt; position: var(--position); text-decoration: none; white-space: pre;"> becomes a party to the contractual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">provisions of the instrument. For a regular way purchase or sale of a financial asset, trade date and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 294.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">settlement date accounting is applied depending on the classification of the financial asset.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 321.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Derecognition of financial assets <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 333.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets are derecognised when the rights to receive cash flows from the financial assets have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 345.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expired or where <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 632.62pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 678.11pt; position: var(--position); text-decoration: none; white-space: pre;"> has transferred the rights to receive the cash flows from the financial asset or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 357.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assumed an obligation to pass on the cash flows and has transferred substantially all the risks and rewards <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 369.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of the asset. If ING Group neither transfers nor retains substantially all the risks and rewards of ownership of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 381.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a financial asset, it derecognises the financial asset if it no longer has control over the asset. The difference <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 393.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">between the carrying amount of a financial asset that has been derecognised and the consideration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">received is recognised in profit or loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Recognition of financial liabilities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities are recognised on the date that the entity becomes a party to the contractual provisions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of the instrument.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Derecognition of financial liabilities<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities are derecognised when the obligation specified in the contract is discharged, cancelled or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expired. The difference between the carrying amount of a financial liability that has been extinguished and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the consideration paid is recognised in profit or loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 248<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3860-4" continuedAt="f-3860-5"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DescriptionOfAccountingPolicyForClassificationAndMeasurementOfFinancialInstrumentsExplanatoryPolicyTextBlock" id="f-3906" continuedAt="f-3906-1" escape="true"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.5.2&#160;  Classification and measurement of financial instruments<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3906-1" continuedAt="f-3906-2"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group classifies its financial assets in the following measurement categories:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 109.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">those to be measured subsequently at fair value (either through OCI, or through profit or loss); and<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 122.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">those to be measured at amortised cost (AC). <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 150.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">At initial recognition, ING Group measures a financial asset at its fair value plus, in the case of a financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 162.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">asset not at FVPL, transaction costs that are directly attributable to the acquisition of the financial asset. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 174.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Transaction costs of financial assets carried at fair value through profit or loss (FVPL) are expensed in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 186.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statement of profit or loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 215.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 130.84pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 135.84pt; position: var(--position); text-decoration: none; white-space: pre;"> Debt instruments<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 229.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The classification depends on the entity&#8217;s business model for managing the financial assets and the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">contractual terms of the cash flows at initial recognition.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Business models<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 283.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Business models are classified as Hold to Collect (HtC), Hold to Collect and Sell (HtC&amp;S) or Other depending <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 295.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on how a portfolio of financial instruments as a whole is managed. ING Group&#8217;s business models are based <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on the existing management structure of the bank, and refined based on an analysis of how businesses are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">evaluated and reported, how their specific business risks are managed and on historic and expected future <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sales. Sales are permissible in a HtC business model when these are due to an increase in credit risk, take <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">place close to the maturity date (where the proceeds from the sales approximate the collection of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">remaining contractual cash flows), are insignificant in value (both individually and in aggregate) or are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">infrequent.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Contractual cash flows Solely Payments of Principal and Interest (SPPI) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The contractual cash flows of a financial asset are assessed to determine whether they represent SPPI. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Interest includes consideration for the time value of money, credit risk and for other basic lending risks such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as consideration for liquidity risk and costs associated with holding the financial asset for a particular period <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of time. In addition, interest can include a profit margin that is consistent with a basic lending arrangement. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets with embedded derivatives are considered in their entirety when determining whether their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">cash flows are SPPI. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In assessing whether the contractual cash flows are SPPI, ING Group considers the contractual terms of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">instrument. This includes assessing whether the financial asset contains a contractual term that could <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">change the timing or amount of contractual cash flows such that it would not meet this condition. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Based on the entity&#8217;s business model for managing the financial assets and the contractual terms of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cash flows, there are three measurement categories into which ING Group classifies its debt instruments:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Amortised Cost (AC):<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 116.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Debt instruments that are held for collection of contractual cash flows under a HtC business model where <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 129.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">those cash flows represent SPPI are measured at AC. Interest income from these financial assets is <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">included in Interest income using the Effective Interest Rate (EIR) method. Any gain or loss arising on <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 155.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">derecognition is recognised directly in profit or loss. Impairment losses are presented as a separate line <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">item in the statement of profit or loss.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 188.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">FVOCI:<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 201.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Debt instruments that are held for collection of contractual cash flows and for selling the financial assets <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">under a HtC&amp;S business model, where the assets&#8217; cash flows represent SPPI, are measured at FVOCI. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 227.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Movements in the carrying amount are recognised in OCI, except for the recognition of impairment gains <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 239.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">or losses, interest revenue and foreign exchange gains and losses which are recognised in profit or loss. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 252.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">When the financial asset is derecognised, the cumulative gain or loss previously recognised in OCI is <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">reclassified from equity to profit or loss and presented in Investment income or Other net income, based <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 278.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">on the specific characteristics of the business model. Interest income from these financial assets is <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 291.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">included in Interest income using the EIR method. Impairment losses are presented as a separate line <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">item in the statement of profit or loss.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 324.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">FVPL:<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Debt instruments that do not meet the criteria for AC or FVOCI are measured at FVPL. This includes debt <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 350.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">instruments that are held-for-trading (presented separately as Trading assets) and all other debt <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">instruments that do not meet the criteria for AC or FVOCI (presented separately as Mandatorily at FVPL). <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group may in some cases, on initial recognition, irrevocably designate a financial asset as classified <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">and measured at FVPL. This is the case where doing so eliminates or significantly reduces an accounting <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 401.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">mismatch that would otherwise arise on assets measured at AC or FVOCI. Fair value movements on <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">trading securities, trading loans and deposits (mainly reverse repo&#8217;s) are presented fully within valuation <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">result and net trading income, this also includes interest. The interest arising on financial assets <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 439.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">designated as at FVPL is recognised in profit or loss and presented within Interest income or Interest <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 452.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">expense in the period in which it arises. The interest arising on a debt instrument that is part of a hedge <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">relationship, but not subject to hedge accounting, is recognised in profit or loss and presented within <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Interest income or Interest expense in the period in which it arises. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 600.51pt; position: var(--position); text-decoration: none; white-space: pre;"> reclassifies debt instruments if, and only if, its business model for managing those financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assets changes. Such changes in business models are expected to be very infrequent. There have been no <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 530.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reclassifications during the reporting period.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 249<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3860-5" continuedAt="f-3860-6"><div><ix:continuation id="f-3906-2"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets &#8211; Equity instruments<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">All equity investments are measured at fair value. <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 265.22pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 310.71000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> applies the fair value through OCI option to <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investments which are considered strategic, consisting of investments that add value to ING Group&#8217;s core <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 105.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">banking activities. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 132.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">There is no subsequent recycling of fair value gains and losses to profit or loss following the derecognition of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 144.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investments if elected to be classified and measured as FVOCI. However, the cumulative gain or loss is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 156.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">transferred within equity to retained earnings on derecognition of such equity instruments. Dividends from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 168.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">such investments continue to be recognised in profit or loss as Investment income when ING Group&#8217;s right to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 180.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">receive payments is established. Impairment requirements are not applicable to equity investments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 192.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">classified and measured as FVOCI.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 219.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Other remaining equity investments are measured at FVPL. All changes in the fair value are recognised in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 231.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation result and Net trading income in the Consolidated statement of profit or loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 260.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 275.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities are classified and subsequently measured at AC, except for financial guarantee contracts, <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives and liabilities designated at FVPL. Financial liabilities classified and measured at FVPL are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">presented as follows: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 317.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">the amount of change in the fair value that is attributable to changes in own credit risk of the liability <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 330.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">designated at FVPL is presented in OCI. Upon derecognition this Debit Valuation Adjustment (DVA) impact <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">does not recycle from OCI to profit or loss; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 355.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">the remaining amount of change in the fair value is presented in profit or loss in &#8216;Valuation results and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 368.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">net trading income&#8217;. Interest on financial liabilities at FVPL is also recognised in the valuation result, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 381.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">except for items voluntarily designated as FVPL for which interest is presented within &#8216;Interest income <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">(expense).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 422.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">A financial guarantee contract is a contract that requires <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.23pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 341.72pt; position: var(--position); text-decoration: none; white-space: pre;"> to make specified payments to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 434.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reimburse the holder for a loss it incurs because a specified debtor fails to make payment when due in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 446.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">accordance with the original or modified terms of a debt instrument. Such a contract is initially recognised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 458.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">at fair value and is subsequently measured at the higher of (a) the amount determined in accordance with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impairment provisions of IFRS 9 &#8216;Financial instruments&#8217; (see section 'Impairment of financial assets') and (b) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 482.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the amount initially recognised less, when appropriate, cumulative amortisation recognised in accordance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with the revenue recognition principle of IFRS 15 &#8216;Revenue from contracts with customers&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 523.11pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForRepurchaseAndReverseRepurchaseAgreementsExplanatory" id="f-3907" continuedAt="f-3907-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Repurchase transactions and reverse repurchase transactions<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3907-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Securities sold subject to repurchase agreements (repos), securities lending and similar agreements <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 553.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">continue to be recognised in the Consolidated statement of financial position. The counterparty liability is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">measured at FVPL (designated) and included in Other financial liabilities at FVPL if the asset is measured at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">FVPL. Otherwise, the counterparty liability is included in Deposits from banks, Customer deposits, or Trading, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as appropriate. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Securities purchased under agreements to resell (reverse repos), securities borrowings and similar <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">agreements are not recognised in the Consolidated statement of financial position. The consideration paid <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to purchase securities is recognised as Loans and advances to customers, Loans and advances to banks, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other financial assets at FVPL or Trading assets, as appropriate. The difference between the sale and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">repurchase price is treated as interest and amortised over the life of the agreement using the effective <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">interest method for instruments that are not measured at FVPL.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 202.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory" id="f-3908" continuedAt="f-3908-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.5.3&#160;  Fair values of financial assets and liabilities<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3908-1" continuedAt="f-3908-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 217.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">All financial assets and liabilities are recognised initially at fair value. The fair value of a financial instrument <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 231.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on initial recognition is generally its transaction price (that is, the fair value of the consideration given or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 243.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">received). However, if there is a material difference between the transaction price and the fair value of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 255.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial instruments whose fair value is based on a valuation technique using significant unobservable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 267.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">inputs, the entire day one difference (a &#8216;Day One Profit or Loss&#8217;) is deferred. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 892.78pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 938.27pt; position: var(--position); text-decoration: none; white-space: pre;"> defers the Day One <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 279.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Profit or Loss relating to financial instruments classified as Level 3 and financial instruments with material <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 291.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">unobservable inputs into CVA which are not necessarily classified as Level 3. The deferred Day One Profit or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Loss is recognised in the statement of profit or loss over the life of the transaction until the transaction <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">matures, or until the significant unobservable inputs become observable, or until the significant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">unobservable inputs become non-significant. In all other cases, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 838.69pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 884.1800000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> recognises the difference as a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">gain or loss at inception.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 366.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Subsequently, except for financial assets and financial liabilities measured at amortised cost, all the other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 378.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial assets and liabilities are measured at fair value. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 417.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">orderly transaction between market participants at the measurement date. It assumes that market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 429.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">participants would use and take into account the characteristics of the asset or liability when pricing the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 441.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">asset or liability. Fair values of financial assets and liabilities are based on unadjusted quoted market prices <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">where available. Such quoted market prices are primarily obtained from exchange prices for listed financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">instruments. Where an exchange price is not available, quoted prices in an active market may be obtained <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 477.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from independent market vendors, brokers, or market makers. In general, positions are valued at the bid <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 489.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">price for a long position and at the offer price for a short position or are valued at the price within the bid-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 501.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">offer spread that is most representative of fair value in the circumstances. In some cases where positions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 513.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">are marked at mid-market prices, a fair value adjustment is calculated. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For certain financial assets and liabilities, quoted market prices are not available. For such instruments, fair <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 552.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">value is determined using valuation techniques. These range from discounting of cash flows to various <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 250<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3860-6" continuedAt="f-3860-7"><div><ix:continuation id="f-3908-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">valuation models, where relevant pricing factors including the market price of underlying reference <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">instruments, market parameters (volatilities, correlations and credit ratings), and customer behaviour are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">taken into account. ING Group maximises the use of market observable inputs and minimises the use of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">unobservable inputs in determining the fair value. It can be subjective dependent on the significance of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">unobservable input to the overall valuation. All valuation techniques used are subject to internal review and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">approval. Most data used in these valuation techniques are validated on a daily basis when possible.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">When a group of financial assets and liabilities are managed on the basis of their net risk exposures, the fair <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">value of a group of financial assets and liabilities are measured on a net portfolio level.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">To include credit risk in fair value, ING Group applies both Credit and Debit Valuation Adjustments (CVA, DVA, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">also known as Bilateral Valuation Adjustments or BVA). Own issued debt and structured notes that are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">designated at FVPL are adjusted for ING Group&#8217;s own credit risk by means of a DVA. To include the funding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 60.03pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 105.52pt; position: var(--position); text-decoration: none; white-space: pre;"> applies an additional &#8216;Funding Valuation Adjustment&#8217; (FVA) to the uncollateralised derivatives <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">based on the market price of funding liquidity.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 246.23pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 291.72pt; position: var(--position); text-decoration: none; white-space: pre;"> also applies to certain positions other valuation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adjustments to arrive at the fair value: Bid-Offer adjustments, Model Risk&#160; Adjustments and Collateral <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation Adjustments (CollVA).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/></tr><tr style="height: 149.25pt;"><td colspan="4" rowspan="9" style="background-color: #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 293.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Significant judgements and critical accounting estimates and assumptions: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 29.63pt; width: 483pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 2.629999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">Even if market prices are available, when markets are less liquid there may be a range of prices for the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 42.43pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">same security from different price sources. Selecting the most appropriate price requires judgement <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 55.23pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">and could result in different estimates of fair value.&#160; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 68.03pt; width: 483pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 2.629999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation techniques are subjective in nature and significant judgement is involved in establishing fair <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 80.83pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">values for certain financial assets and liabilities. Valuation techniques involve various assumptions <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 93.63pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">regarding pricing factors. The use of different valuation techniques and assumptions could produce <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 106.43pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">significantly different estimates of fair value.&#160; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 119.23pt; width: 483pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 2.629999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">Price testing is performed to assess whether the process of valuation has led to an appropriate fair <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 132.03pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">value of the position and to minimise the potential risks of economic losses due to incorrect or misused <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 144.83pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">models. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 157.63pt; width: 483pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 2.629999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">Assessing whether a market is active, and whether an input is observable and significant, requires <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 170.43pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">judgement. ING Group categorises its financial instruments that are either measured in the statement <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 183.23pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">of financial position at fair value or of which the fair value is disclosed, into a three-level hierarchy <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 196.03pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">based on the observability and significance of the valuation inputs. The use of different approaches to <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 208.83pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">assess whether a market is active, whether an input is observable, and whether an unobservable input <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 221.63pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">is significant could produce different classification within the fair value hierarchy as well as potentially <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 234.43pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">different deferral of the Day One Profit or Loss. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 247.23pt; width: 483pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 2.629999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to Note 35 'Fair value of assets and liabilities ' and to the &#8216;Market risk&#8217; paragraph in <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 260.03pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">the &#8216;Risk management&#8217; section of the Annual Report for the basis of the determination of the fair value <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 272.83pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">of financial instruments and related sensitivities.<span style="display: inline-block; height: 12pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 33.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 380.16pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory" id="f-3909" continuedAt="f-3909-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.5.4&#160;  Derivatives and hedge accounting<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3909-1" continuedAt="f-3909-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">IFRS 9 includes an accounting policy choice to defer the adoption of IFRS 9 hedge accounting and to <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 408.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">continue with hedge accounting under IAS 39. ING Group decided to exercise this accounting policy choice <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 420.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and did not adopt IFRS 9 hedge accounting as of 1 January 2018. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives are initially recognised at fair value on the date on which a derivative contract is entered into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and are subsequently measured at fair value. Fair values are obtained from quoted market prices in active <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">markets, including market transactions and valuation techniques (such as discounted cash flow models and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">option pricing models), as appropriate. All derivatives are carried as assets when their fair value is positive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and as liabilities when their fair value is negative. Fair value movements on derivatives are presented in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">profit or loss in Valuation result and net trading income, except for derivatives in either a formal hedge <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">relationship and so-called economic hedges that are not in a formal hedge accounting relationship where a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">component is presented separately in interest result in line with <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 842.41pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 887.9pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s risk management strategy. <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 251<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3909-2" continuedAt="f-3909-3"><ix:continuation id="f-3860-7" continuedAt="f-3860-8"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Embedded derivatives are separated from financial liabilities and other non-financial contracts and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">accounted for as a derivative if, and only if:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">the economic characteristics and risks of the embedded derivative are not closely related to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">economic characteristics and risks of the host contract;<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">a separate instrument with the same terms as the embedded derivative would meet the definition of a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">derivative; and<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">the combined instrument is not measured at fair value with changes in fair value reported in profit or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.14pt; position: var(--position); text-decoration: none; white-space: pre;">loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">If an embedded derivative is separated, the host contract is accounted for as a similar free-standing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">contract.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 229.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The method of recognising the resulting fair value gain or loss depends on whether the derivative is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">designated as a hedging instrument, and if so, the nature of the item being hedged. ING Group designates <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 253.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">certain derivatives as hedges of the fair value of recognised assets or liabilities or firm commitments (fair <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">value hedge), hedges of highly probable future cash flows attributable to a recognised asset or liability or a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">forecast transaction (cash flow hedge), or hedges of a net investment in a foreign operation. Hedge <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">accounting is used for derivatives designated in this way provided certain criteria are met.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">At the inception of the transaction, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 198.72pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 244.21pt; position: var(--position); text-decoration: none; white-space: pre;"> documents the relationship between hedging instruments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and hedged items, its risk management objective, together with the methods selected to assess hedge <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">effectiveness. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 103.47999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 148.97pt; position: var(--position); text-decoration: none; white-space: pre;"> also documents its assessment, both at hedge inception and on an ongoing basis, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of whether the derivatives that are used in hedging transactions are highly effective in offsetting changes in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fair values or cash flows of the hedged items.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 391.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Fair value hedges<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in the fair value of derivatives that are designated and qualify as fair value hedges are recognised <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 420.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in the statement of profit or loss, together with fair value adjustments to the hedged item attributable to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the hedged risk. If the hedge relationship no longer meets the criteria for hedge accounting, the cumulative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adjustment of the hedged item is, in the case of interest bearing instruments, amortised through the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statement of profit or loss over the remaining term of the original hedge or recognised directly when the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hedged item is derecognised. For non-interest bearing instruments, the cumulative adjustment of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hedged item is recognised in the statement of profit or loss only when the hedged item is derecognised.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 509.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cash flow hedges<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 524.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The effective portion of changes in the fair value of derivatives that are designated and qualify as cash flow <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 538.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hedges are recognised in the Other Comprehensive Income. The gain or loss relating to the ineffective <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 550.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">portion is recognised immediately in the statement of profit or loss. Amounts accumulated in the Other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Comprehensive Income are recycled to the statement of profit or loss in the periods in which the hedged <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">item affects net result. When a hedging instrument expires or is sold, or when a hedge no longer meets the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">criteria for hedge accounting, any cumulative gain or loss existing in the Other Comprehensive Income at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that time remains in the Other Comprehensive Income and is recognised when the forecast transaction is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ultimately recognised in the statement of profit or loss. When a forecast transaction is no longer expected <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to occur, the cumulative gain or loss that was reported in the Other Comprehensive Income is transferred <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">immediately to the statement of profit or loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 165.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Net investment hedges<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 180.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Hedges of net investments in foreign operations are accounted for in a similar way to cash flow hedges. Any <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 194.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">gain or loss on the hedging instrument relating to the effective portion of the hedge is recognised in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 206.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other Comprehensive Income and the gain or loss relating to the ineffective portion is recognised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">immediately in the statement of profit or loss. Gains and losses accumulated in the Other Comprehensive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 230.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Income are included in the statement of profit or loss when the foreign operation is disposed.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 259.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">IBOR Transition &#8211; specific policies for hedges directly affected by IBOR reform<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As explained in the &#8216;IBOR Transition&#8217; paragraph of the &#8216;Risk management&#8217; section, a fundamental review of <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">important interest rates benchmarks has been carried out, and it is still in process for some of them (for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">instance, WIBOR). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Given that IBOR reform may have various accounting implications, the International Accounting Standards <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Board (IASB) has undertaken a two-phase project. Phase 1 addresses those issues that affect financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reporting before the replacement of an existing benchmark. Phase 1 amendments to IFRS were issued by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the IASB in 2019. Phase 2 focuses on issues that may affect financial reporting when the existing benchmark <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rate is reformed or replaced. Phase 2 amendments to IFRS were issued by the IASB in 2020. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 402.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Phase 1 amendments to IFRS allow <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 713.8pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 759.29pt; position: var(--position); text-decoration: none; white-space: pre;"> to apply a set of temporary exceptions to continue hedge <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">accounting even when there is uncertainty about contractual cash flows arising from the reform. Under <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">these temporary exceptions, interbank offered rates are assumed to continue unaltered for the purposes of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hedge accounting until such time as the uncertainty is resolved.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">More specifically, the following temporary reliefs are part of the Phase 1 amendments:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 477.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Highly probable requirement for cash flow hedges <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">When determining whether a forecast transaction is highly probable, it is assumed that the interest rate <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 503.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">benchmark on which the hedged cash flows are based is not altered as a result of the reform.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 515.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Prospective assessment of hedge effectiveness<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">When performing the prospective assessment it is assumed that the interest rate benchmark on which <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">the hedged cash flows are based is not altered as a result of the reform.<span style="display: inline-block; height: 12pt;"></span></span></div></div></ix:continuation></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 252<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3860-8" continuedAt="f-3860-9"><div><ix:continuation id="f-3909-3"><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Retrospective assessment of hedge effectiveness<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">When performing the retrospective assessment hedges are allowed to pass the assessment even if <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">actual results are outside the 80-125% range, during the period of uncertainty arising from the IBOR <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">reform.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Designation of a component of an item as a hedged item<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 128.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">For hedges of the benchmark component of interest rate risk affected by the reform, the separately <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">identifiable requirement only needs to be demonstrated at the inception of such hedging relationships.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 169.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The amendments are relevant given that <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 226.07pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 271.56pt; position: var(--position); text-decoration: none; white-space: pre;"> hedges and applies hedge accounting to benchmark <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 181.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest rate exposure part of IBOR reform. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 232.15pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 277.64pt; position: var(--position); text-decoration: none; white-space: pre;"> hedges are being progressively amended, where <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 193.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">necessary, to incorporate the new benchmark rates. Temporary exceptions under Phase 1 continued to be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 205.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">relevant for <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 94.19999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 139.69pt; position: var(--position); text-decoration: none; white-space: pre;"> as at 31 December 2023 (mainly for WIBOR hedges).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 87.96000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">will completely cease to apply the amendments when this uncertainty is no longer present or </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">when the hedging relationship is discontinued. Refer to note &#8216;Risk management/ IBOR Transition&#8217; for the </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">disclosures relating to the application of the amendments as part of Phase 1 and for more information </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 268.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">regarding the end of Phase 1 reliefs for ING Group&#8217;s hedging relationships.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 295.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Phase 2 amendments require that hedge accounting continues on transition to risk free rates provided that </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">the modifications made to financial instruments are those necessary to implement the IBOR Reform and </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">that the new basis for calculating cash flows is &#8216;economically equivalent&#8217; to the previous basis. Particularly,&#160; </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Phase 2 amendments allow the continuation of hedging relationships, subject to amending their </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">documentation to reflect changes in hedged instruments, hedging instruments, hedged risk, and/or the </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">method for measuring effectiveness during the transition to the new benchmark rates. During 2023, Phase 2 </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">continued to be relevant for ING Group when ING actually transitioned its financial instruments (designated </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.51pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">in hedge accounting relationships) to the new benchmark rates (mainly, USD LIBOR).</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">More specifically, the following temporary reliefs are part of the Phase 2 amendments:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 433.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Relief from discontinuing hedging relationships<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 441.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Amendments in the hedge documentation as a consequence of changes required by the IBOR reform do <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">not result in the discontinuation of the hedge relationship nor the designation of a new hedge <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 467.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">relationship. The changes can be in form of designating an alternative benchmark rate as a hedged risk, <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 479.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">the description of the hedging instrument, the description of the hedged item, or the method to measure <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">the effectiveness.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 505.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">When the hedged item is amended as a consequence of the IBOR reform (or if the hedge has previously <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">been discontinued), amounts accumulated in the cash flow hedge reserve are deemed to be based on <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">the Risk-Free Rate (RFR). This results in the release of the cash flow hedge reserve to profit or loss in the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">same period or periods in which the hedged cash flows that are now based on the RFR affect profit or <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 77.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">loss.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 90.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">When the items within a designated group of hedged items are amended as a consequence of the IBOR <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">reform, the hedging strategy remains and is not discontinued. As items within the hedged group <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 116.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">transition at different times from IBORs to RFRs, they are transferred to sub-groups of instruments that <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 128.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">reference RFRs as the hedged risk. The existing IBORs remain designated as the hedged risk for the other <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">sub-group of hedged items, until they are also updated to reference the new RFR. The usual hedge <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">accounting requirements are applied to the hedge relationship in its entirety.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 167.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">For the assessment of retrospective hedge effectiveness, the cumulative fair value changes may be reset <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 180.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">to zero when the exception to the retrospective assessment of the Phase 1 reliefs ends. This election is <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 192.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">made separately for each hedging relationship (i.e., on a hedge-by-hedge basis).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 205.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Temporary relief from having to meet the separately identifiable requirement: a RFR is considered a <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">separately identifiable risk component if it is reasonably expected to meet the separately identifiable <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 231.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">requirement within 24 months from the date it is first designated as a non-contractually specified risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">component (i.e. when the entity first designates the RFR as a non-contractually specified risk <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">component). This relief applies to each RFR on a rate-by-rate basis.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 286.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Non-trading derivatives that do not qualify for hedge accounting<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Derivative instruments that are used by <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 734.98pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 780.47pt; position: var(--position); text-decoration: none; white-space: pre;"> as part of its risk management strategies, but which do <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">not qualify for hedge accounting under <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 732.79pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 778.28pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s accounting policies, are presented as non-trading <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives. Non-trading derivatives are measured at fair value with changes in the fair value taken to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">statement of profit or loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 366.51pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory" id="f-3910" continuedAt="f-3910-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.5.5&#160;  Offsetting of financial assets and financial liabilities<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3910-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 380.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets and financial liabilities are offset, and the net amount is reported in the statement of <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial position when <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 660.64pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 706.13pt; position: var(--position); text-decoration: none; white-space: pre;"> has a current legally enforceable right to set off the recognised amounts <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and intends to either settle on a net basis or to realise the asset and settle the liability simultaneously. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Offsetting is applied to certain derivatives for which the services of a central clearing house or broker are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">used.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 460.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory" id="f-3911" continuedAt="f-3911-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.5.6&#160;  Impairment of financial assets<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3911-1" continuedAt="f-3911-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">An Expected Credit Loss (ECL) model is applied to financial assets accounted for at AC or FVOCI such as <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 489.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">loans, debt securities and lease receivables, as well as off-balance sheet items such as undrawn loan <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 501.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">commitments, certain financial guarantees issued, and undrawn committed revolving credit facilities. Under <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 513.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the ECL model, ING Group calculates the expected credit losses (ECL) by considering on a discounted basis <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 525.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the cash shortfall it would incur in case of a default and multiplying the shortfall by the probability of a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 537.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">default occurring. The ECL is the sum of the probability-weighted outcomes. The ECL estimates are unbiased <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 549.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and include reasonable and supportable information about past events, current conditions, and forecasts of <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 253<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3911-2" continuedAt="f-3911-3"><ix:continuation id="f-3860-9" continuedAt="f-3860-10"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">future economic conditions. ING Group&#8217;s approach leverages the Advanced Internal Ratings Based (AIRB) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">models that are used for regulatory purposes. Adjustments are applied to make these models suitable for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">determining ECL. ECL is recognised on the balance sheet as loan loss provisions (LLP).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 117.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Three-stage approach<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 132.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets are classified in one of the below three stages at each reporting date. A financial asset can <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 146.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">move between stages during its lifetime. The stages are based on changes in credit quality since initial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 158.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">recognition and defined as follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 174.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 1<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets that have not had a significant increase in credit risk since initial recognition (i.e. no <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 200.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 2 or 3 triggers apply). Assets are classified as Stage 1 upon initial recognition (with the exception of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 213.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">purchased or originated credit impaired (POCI) assets) and ECL is determined by the probability that a <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 225.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">default occurs in the next 12 months (12 months ECL);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 238.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 2<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 251.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets showing a significant increase in credit risk since initial recognition. For assets in Stage 2 <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 264.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">ECL reflects an estimate on the credit losses over the remaining maturity of the asset (lifetime ECL); or<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 277.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 3<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets that are credit-impaired. Also for these assets ECL is determined over the remaining <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 302.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">maturity of the asset.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 330.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Significant increase in credit risk<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 342.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group established a framework, incorporating quantitative and qualitative indicators, to identify and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 354.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">assess significant increases in credit risk (SICR). This is used to determine the appropriate ECL Stage for each <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 366.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial asset. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 393.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The main determinate of SICR is a quantitative test, whereby the lifetime Probability of Default (PD) of an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">asset at each reporting date is compared against its lifetime PD determined at the date of initial recognition. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 417.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">If the delta is above pre-defined absolute or relative thresholds the item is considered to have experienced a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 429.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">SICR. Furthermore, any facility which shows an increase of 200% between the PD at the date of initial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 441.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">recognition and the lifetime PD at the reporting date (i.e. threefold increase in PD) must be classified as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 2. This is considered a backstop within the quantitative assessment of SICR. Refer to &#8216;Criteria for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">identifying a significant increase in credit risk&#8217; in the &#8216;Risk Management&#8217; section of the Annual Report for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 477.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">more details on relative and absolute PD thresholds, including quantitative disclosures on those thresholds.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consequently, if the above quantitative SICR thresholds are exceeded, the item moves from Stage 1 to Stage <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2 (unless the item is credit-impaired). In these instances, items are no longer assigned a 12-month ECL and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">instead are assigned a lifetime ECL. Items can return to Stage 1 if there is sufficient evidence that there is no <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">longer a significant increase in credit risk. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group also relies on a number of qualitative indicators to identify and assess SICR. These include: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Forbearance status;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 89.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Watch List status;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 102.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Intensive care management;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 115.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Collective SICR assessment;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 128.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Substandard Internal rating; and<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 140.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Arrears status (including 30 days past due used as a backstop).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 176.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">An asset that is in Stage 2 will move back to Stage 1 when none of the above criteria are in place anymore. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 188.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">However, if the asset was moved to Stage 2 based on the forbearance status, then the asset stays in Stage <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 200.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2 for at least 24 months. If the asset was classified as Stage 2 due to 30 days past due trigger, then the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 212.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">asset is moved back to Stage 1 only after three months from when the trigger no longer applies.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 239.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Credit-impaired financial assets (Stage 3)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 251.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets are assessed for credit-impairment at each reporting date and more frequently when <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 263.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">circumstances warrant further assessment. Evidence of credit-impairment includes arrears of over 90 days <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 275.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on any material credit obligation, indications that the borrower is experiencing significant financial difficulty, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 287.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a breach of contract, bankruptcy or distressed restructuring. The definition of credit-impaired under IFRS 9 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 299.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(Stage 3) is aligned with the definition of default used by ING Group for internal risk management purposes, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 311.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which is also the definition used for regulatory purposes.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 338.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">An asset (other than a POCI asset) that is in Stage 3 will move back to Stage 2 when, as at the reporting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 350.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">date, it is no longer considered to be credit-impaired subject to certain probation periods. The asset will <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">migrate back to Stage 1 when its credit risk at the reporting date is no longer considered to have increased <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">significantly since initial recognition. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 403.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Macroeconomic scenarios<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group has established a quarterly process whereby forward-looking macroeconomics scenarios and <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">probability weightings are developed for the purpose of ECL. ING Group applies data predominantly from a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">leading service provider enriched with the internal ING Group view. A baseline, up-scenario and a down-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">scenario are determined to reflect an unbiased and probability-weighted ECL amount. As a baseline <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">scenario, ING Group applies the market-neutral view combining consensus forecasts for economic variables <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">such as unemployment rates, GDP growth, house prices, commodity prices, and short-term interest rates. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Applying market consensus in the baseline scenario ensures unbiased estimates of the expected credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">losses. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The alternative scenarios are based on observed forecast errors in the past, adjusted for the risks affecting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the economy today and the forecast horizon. The probabilities assigned are based on the likelihoods of <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 254<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3911-3" continuedAt="f-3911-4"><ix:continuation id="f-3860-10" continuedAt="f-3860-11"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">observing the three scenarios and are derived from confidence intervals on a probability distribution. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">forecasts for the economic variables are adjusted on a quarterly basis.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The probability weights applied to each of the three scenarios<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 324.47pt; position: var(--position);"><span style="display: inline-block; height: 7.5pt; width: 3.5pt;"></span></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 119.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group uses three macroeconomic scenarios when determining IFRS 9 ECL (baseline, upside and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 131.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">downside). Management approach used to determine the weights of each scenario and in selecting the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 143.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">parts of the distribution of forecast errors from which the weights are derived and disclosed in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 155.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Alternative scenarios and probability weights&#8217; and the sensitivity analysis in the &#8216;Risk Management&#8217; section <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the Annual Report.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 196.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Measurement of ECL<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group applies a collective assessment method to measure ECL for Stage 1, Stage 2, and certain Stage 3 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">assets. Other credit-impaired assets subject to ECL measurement apply the individual assessment method.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Collectively assessed assets (Stages 1 to 3)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For collective assessed assets, ING Group applies a model-based approach. ECL is determined by, expressed <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">simplistically, multiplying the probability of default (PD) with the loss given default (LGD) and exposure at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">default (EAD), adjusted for the time value of money. Assets that are collectively assessed are grouped on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the basis of similar credit risk characteristics, taking into account loan type, industry, geographic location, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 312.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">collateral type, past due status and other relevant factors. These characteristics are relevant to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 324.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">estimation of future cash flows for groups of such assets by being indicative of the debtors&#8217; ability to pay all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 336.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">amounts due according to the contractual terms of the assets being evaluated and the loss in case the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 348.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">debtor is not able to pay all amounts due.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For Stage 3 assets the PD equals 100% and the LGD and EAD represent a lifetime view of the losses based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">characteristics of defaulted facilities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For the purpose of ECL, ING Group&#8217;s expected credit loss models (PD, LGD, EAD) used for regulatory purposes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">have been adjusted. These adjustments include removing embedded prudential conservatism (such as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">floors) and converted through-the-cycle estimates to point-in-time estimates. The models assess ECL on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">basis of forward-looking macroeconomic forecasts and other inputs. For most financial assets, the expected <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">life is limited to the remaining maturity. For overdrafts and certain revolving credit facilities, such as credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">cards, the maturity is estimated based on historical data as these do not have a fixed term or repayment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">schedule.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 513.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Individually assessed assets (Stage 3)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 525.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group estimates ECL for individually significant credit-impaired financial assets within Stage 3 on an <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">individual basis. ECL for these Individually assessed assets are determined using the discounted expected <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">future cash flow method. To determine expected future cash flows, one or more scenarios are used. Each <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">scenario is analysed based on the probability of occurrence and includes forward looking information.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In determining the scenarios, all relevant factors impacting the future cash flows are taken into account. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">These include expected developments in credit quality, business and economic forecasts, and estimates of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">if/when recoveries will occur taking into account ING Group&#8217;s restructuring/recovery strategy. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The best estimate of ECL is calculated as the weighted-average of the shortfall (gross carrying amount <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">minus discounted expected future cash flow using the original EIR) per scenario, based on best estimates of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expected future cash flows. Recoveries can arise from, among others, repayment of the loan, collateral <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">recovery and the sale of the asset. Cash flows from collateral and other credit enhancements are included in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the measurement of ECL of the related financial asset when it is part of or integral to the contractual terms <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of the financial asset and the credit enhancement is not recognised separately. For the individual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assessment, with granular (company or asset-specific) scenarios, specific factors can have a larger impact <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on the future cash flows than macroeconomic factors.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">When a financial asset is credit-impaired, interest is no longer recognised based on the accrual income <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">based on the gross carrying amount of the asset. Rather, interest income is calculated by applying the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">original EIR to the AC of the asset, which is the gross carrying amount less the related loan loss provision.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 318.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Purchased or Originated Credit Impaired (POCI) assets<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 333.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">POCI assets are financial assets that are credit-impaired on initial recognition. Impairment on a POCI asset is <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 347.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">determined based on lifetime ECL from initial recognition. POCI assets are recognised initially at an amount <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 359.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">net of ECL and are measured at AC using a credit-adjusted effective interest rate. In subsequent periods any <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 371.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">changes to the estimated lifetime ECL are recognised in profit or loss. Favourable changes are recognised as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 383.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">an impairment gain even if the lifetime ECL at the reporting date is lower than the estimated lifetime ECL at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">origination.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 424.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Write-off and debt forgiveness<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 439.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and debt securities are written off (either partially or in full) when there is no reasonable expectation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of recovery and/or collectability of amounts due. The following events can lead to a write-off: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 467.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">After a restructuring has been completed and there is a high improbability of recovery of part of the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 479.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">remaining loan exposure (including partial debt forgiveness); <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 492.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">In a bankruptcy liquidation scenario; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 505.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">After divestment or sale of a credit facility at a discount; and<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 518.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Specific fraud cases with no recourse options.<span style="display: inline-block; height: 12pt;"></span></span></div></div></ix:continuation></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 255<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3860-11" continuedAt="f-3860-12"><div><ix:continuation id="f-3911-4"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">When a loan is uncollectable, it is written off against the related loan loss provision. Subsequent recoveries <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of amounts previously written off are recognised in &#8216;Addition to loan loss provisions&#8217; in the Consolidated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statement of profit or loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Debt forgiveness (or debt settlement) involves write-off but additionally involves the forgiveness of a legal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">obligation, in whole or in part. This means that ING Group forfeits the legal right to recover the debt. As a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">result, the financial asset needs to be derecognised. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 168.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Presentation of ECL<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 183.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ECL for financial assets measured at AC are deducted from the gross carrying amount of the assets. For <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 195.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">debt instruments at FVOCI, the ECL is recognised in OCI, instead of deducted the carrying amount of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 207.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">asset. ECL also reflects any credit losses related to the portion of the loan commitment that is expected to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 219.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be drawn down over the remaining life of the instrument. The ECL on issued financial guarantee contracts, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 231.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in scope of IFRS 9 and not measured at FVPL, are recognised as liabilities and presented in Other provisions. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 243.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ECL are presented in profit or loss in Addition to loan loss provision.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; position: var(--position); top: 270.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 522.97pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 221.25pt;"></span></span><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/></tr><tr style="height: 79.5pt;"><td colspan="4" rowspan="10" style="background-color: #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 221.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483pt;"><div><div style="line-height: 10pt; position: var(--position); top: 28.43pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Significant judgements and critical accounting estimates and assumptions:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 55.43pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">The calculation of ECL requires a number of judgements and estimates. In particular:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 67.43pt; width: 483pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 2.629999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group makes various assumptions about the <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 237.66000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">risk of default, the credit loss rates in case of a <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 80.23pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">default and expected future cash flows<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 197.31pt; position: var(--position); text-decoration: none; white-space: pre;">. For collective provisions, ING Group applies significant <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 93.03pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">judgement when estimating modelled parameters such as PD, LGD and EAD, including the selection <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 105.83pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">and calibration of relevant models. For Stage 3 individual provisioning, the determination and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 118.63pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">probabilities of restructuring and recovery scenarios as well as the amount and timing of expected <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 131.43pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">future cash flows may be particularly subjective. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 152.23pt; width: 483pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 2.629999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">Forward-looking macroeconomic scenarios<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 214.29000000000002pt; position: var(--position); text-decoration: none; white-space: pre;"> used in impairment assessments are uncertain in nature. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 165.03pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">The use of alternate forward-looking macroeconomic scenarios can produce significantly different <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 177.83pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">estimates of ECL. This is demonstrated in the sensitivity analysis in the &#8216;Risk Management&#8217; section of <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 190.63pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">the Annual Report, where the un-weighted ECL under each of the three scenarios for some significant <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 203.43pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">portfolios is disclosed. <span style="display: inline-block; height: 12pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr></tbody></table></div></div></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/></tr><tr style="height: 100.5pt;"><td colspan="4" rowspan="10" style="background-color: #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 242.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483pt;"><div><div style="line-height: 16pt; position: var(--position); top: 3.95pt; width: 483pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 2.629999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">When determining whether the credit risk on a financial asset has increased significantly <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 415.99pt; position: var(--position); text-decoration: none; white-space: pre;">(criteria for <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 16.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">identifying a significant increase in credit risk)<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 229.99pt; position: var(--position); text-decoration: none; white-space: pre;">, ING Group considers reasonable and supportable <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 29.55pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">information to compare the risk of default occurring at reporting date with the risk of a default <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 42.35pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">occurring at initial recognition of the financial asset. Whilst judgement is required in applying a PD <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 55.15pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">rating to each financial asset, there is significant judgement used in determining the Stage allocation <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 67.95pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">PD banding thresholds. The process of comparing a financial asset&#8217;s PD with the PD banding thresholds <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 80.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">determines its ECL Stage. Assets in Stage 1 are allocated a 12-month ECL, and those in Stage 2 are <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 93.55pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">allocated a lifetime ECL, and the difference is often significant. As such, the judgement made in <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 106.35pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">assigning financial asset PDs and the PD banding thresholds constitute a significant judgement. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 119.15pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">Analysis of the sensitivity associated with the assessment of significant increase in credit risk is <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 131.95pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">presented in the &#8216;Risk Management&#8217; section of the Annual Report. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 152.75pt; width: 483pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 2.629999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">Judgement is exercised in management&#8217;s evaluation of whether there is <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 342.55pt; position: var(--position); text-decoration: none; white-space: pre;">objective evidence<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 428.03999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> that <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 165.55pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">exposures are <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 81.82pt; position: var(--position); text-decoration: none; white-space: pre;">credit-impaired<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 153.55pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 186.35pt; width: 483pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 2.629999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">To reflect the risks that are not properly captured by the ECL models, a number of <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 384.55pt; position: var(--position); text-decoration: none; white-space: pre;">management <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 199.15pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">adjustments to the model-based ECL<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 186.64999999999998pt; position: var(--position); text-decoration: none; white-space: pre;"> were necessary as at 31 December 2023, which required <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 211.95pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">significant judgement. Reference is made to the &#8216;Management adjustments applied this year&#8217; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 224.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">paragraph in the &#8216;Risk management&#8217; section of the Annual Report.<span style="display: inline-block; height: 12pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 329.16pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory" id="f-3912" continuedAt="f-3912-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.5.7&#160;  Modification of financial instruments<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3912-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 347.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In certain circumstances ING Group grants borrowers postponement, reduction of loan principal and/or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 359.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">interest payments on a temporary period of time to maximise collection opportunities, and if possible, avoid <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 371.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">default, foreclosure, or repossession. When such postponement, reduction of loan principal and/or interest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 383.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">payments is executed based on credit concerns it is also referred to as forbearance (refer to the &#8216;Risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Management&#8217; section of the Annual Report for more details) and requires analysis on whether the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contractual terms have been substantially modified or not. A similar assessment is needed when <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contractual terms are modified for other reasons than forbearance.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 446.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group determines whether there has been a substantial modification using both quantitative and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 458.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">qualitative factors. If the modification results in a substantial modification of the terms of the loan, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">original loan is derecognised and a new loan is recognised at fair value at the modification date. In case of a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 482.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">non-substantial modification, a modification gain or loss is recognised in profit or loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 511.56pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:AccountingForTargetedLongerTermRefinancingOperationsExplanatoryPolicyTextBlock" id="f-3913" continuedAt="f-3913-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.5.8&#160;  Accounting for Targeted Longer-Term Refinancing Operations (TLTRO)<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3913-1" continuedAt="f-3913-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 600.51pt; position: var(--position); text-decoration: none; white-space: pre;"> participates in Targeted Longer-Term Refinancing Operations (TLTRO III). <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 927.69pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 973.1800000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> considers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 552.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">TLTRO funding provided by the ECB to banks to be on market terms on the basis that the ECB has <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 256<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3860-12" continuedAt="f-3860-13"><div><ix:continuation id="f-3913-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">established a separate market with TLTRO programmes. They have specific terms which are different from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">other sources of funding available to banks, including those provided by the ECB. Consequently, the rate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">under TLTRO is considered to be a market conforming rate and TLTRO funding is recognised fully as a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial liability.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> interprets the whole rate set by the ECB under TLTRO as a floating rate on the financial liability, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">being the market rate for each specific period in time. This results in discrete rates for discrete interest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">periods over the life of TLTRO. The change in the applicable rate between interest periods is seen as a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">change in the floating rate and is accounted for prospectively. Similarly, if the ECB announces changes in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the rate for the amounts already drawn under the existing TLTRO, then such changes also represent a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">change in a floating rate. Following this, such changes lead to the recognition of an increased/decreased <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest in the relevant period of life of the exposure, rather than by the recognition of an immediate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">modification gain or loss at the moment of the change of terms by the ECB. If the change relates to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">periods already passed, the impact for those past periods is recognised in profit or loss immediately.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, the change in the TLTRO rate driven by changes in expectations of meeting the targets <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impacts interest income. As a result, interest income which relates to the period that already passed until <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the moment when the change in expectations occurs, is recognised as a catch up adjustment in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated statement of profit or loss. This change occurs only when ING Group has a reasonable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">expectation that the lending targets will be met. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group views &#8216;reasonable expectation&#8217; in case of TLTRO funding as a high hurdle. This is the moment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">when it becomes highly probable, i.e. the probability of meeting the lending targets is substantially greater <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">than the probability that it will not. As a result, if interest income is recognised during the period based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the expectation of meeting the targets, there should only be a limited possibility that the interest may need <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 373.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to be reversed in future reporting periods.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 225.92pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 230.83pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to note 12 &#8216;Deposits from banks&#8217; and to note <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 385.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">20 &#8216;Net interest income&#8217; for the presentation of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 252.58pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 298.07000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s participation in TLTRO programmes.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 412.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="8" style="background-color: #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 114pt; left: 0pt; position: var(--position); top: 0pt; width: 483pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Significant judgements:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 29.63pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Significant management judgement is exercised in determining the accounting treatment of TLTRO <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 41.63pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">transactions. In particular, ING Group applied judgement in:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 68.63pt; width: 483pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 2.629999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">assessing and concluding that in ING Group&#8217;s view the rate under TLTRO is considered to be a market <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 81.43pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">conforming rate and, hence, accounting for TLTRO in accordance with IFRS 9; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="line-height: 16pt; position: var(--position); top: 94.23pt; width: 483pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 2.629999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 16.83pt; position: var(--position); text-decoration: none; white-space: pre;">selecting accounting policies regarding the calculation of the effective interest rate under TLTRO. <span style="display: inline-block; height: 12pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DescriptionOfAccountingPolicyForConsolidationExplanatoryPolicyTextBlock" id="f-3914" continuedAt="f-3914-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.6&#160;  Consolidation<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #00338d; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 656.17pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3914-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group comprises ING Groep N.V. (the Parent Company), ING Bank N.V. and all other subsidiaries. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 91.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Subsidiaries are entities controlled by ING Groep N.V. Control exists if ING Groep N.V. is exposed to or has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rights to variable returns and has the ability to affect those returns through the power over the subsidiary. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 130.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For interests in structured entities, the existence of control requires judgement as these entities are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">designed so that voting or similar rights are not the dominant factor in deciding who controls the entity. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">judgement includes, for example, the involvement in the design of the structured entity, contractual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">arrangements that give rights to direct the structured entities relevant activities and commitment to ensure <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that the structured entity operates as designed.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 205.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Transactions between ING Groep N.V. and its subsidiaries are eliminated on consolidation. Reference is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 217.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">made to Note 44 'Principal subsidiaries, investments in associates and joint ventures' for a list of principal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 229.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">subsidiaries and their statutory place of incorporation and a description of ING's activities involving <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 241.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">structured entities is included in Note 45 'Structured entities'. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 268.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">A list containing the information referred to in Section 379 (1), Book 2 of the Dutch Civil Code has been filed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 280.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with the office of the Commercial Register of Amsterdam, in accordance with Section 379 (5), Book 2 of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 292.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Dutch Civil Code. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V. and its Dutch group companies are subject to legal restrictions regarding the amount of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">dividends they can pay to their shareholders. The Dutch Civil Code contains the restriction that dividends <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">can only be paid up to an amount equal to the excess of the company&#8217;s own funds over the sum of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">paid-up capital and reserves required by law. Certain Group companies are also subject to other restrictions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in certain countries, in addition to the restrictions on the amount of funds that may be transferred in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">form of dividends, or otherwise, to the parent company. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, in addition to the restrictions in respect of minimum capital requirements that are imposed by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">industry regulators in the countries in which the subsidiaries operate, other limitations exist in certain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">countries.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 459.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory" id="f-3915" continuedAt="f-3915-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.7&#160;  Segment reporting<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 684.17pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3915-1" continuedAt="f-3915-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 473.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">An operating segment is a distinguishable component of ING Group, engaged in providing products or <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 488.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">services, whose operating results are regularly reviewed by the Executive Board of ING Group and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 500.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Management Board Banking (together the Chief Operating Decision Maker (CODM)) to make decisions about <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 512.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">resources to be allocated to the segments and assess its performance. A geographical area is a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 524.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">distinguishable component of ING Group engaged in providing products or services within a particular <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 536.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">economic environment that is subject to risks and returns that differ from those of segments operating in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 548.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">other economic environments. <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 257<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3860-13" continuedAt="f-3860-14"><div><ix:continuation id="f-3915-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The CODM reviews and assesses ING Group's performance primarily by line of business. As a result, ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">identified <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 84.37pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="segment" contextRef="c-1" decimals="INF" name="ing:NumberOfReportableSegments1" format="ixt-sec:numwordsen" scale="0" id="f-3916">five</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 100.15pt; position: var(--position); text-decoration: none; white-space: pre;"> operating segments which are also disclosed as reportable segments. Additionally, the CODM <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">receives information by geographical area based on the location of the office from which transactions are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">originated.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 129.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DescriptionOfAccountingPolicyForHyperinflationPolicyTextBlock" id="f-3917" continuedAt="f-3917-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.8&#160;  Hyperinflation accounting<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3917-1" continuedAt="f-3917-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Since the second quarter of 2022, T&#252;rkiye has been considered a hyperinflationary economy for accounting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">purposes. As ING Group has a subsidiary in T&#252;rkiye, ING Group has applied IAS 29 &#8216;Financial Reporting in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Hyperinflationary Economies&#8217; to its operations since 2022 as if the economy in T&#252;rkiye had always been <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hyperinflationary. Given that ING Group presents its results in EUR, comparatives do not get restated. As a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 196.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">result, 2021 comparatives were not impacted by IAS 29, while 2022 comparatives show the impact of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 208.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">first-time application of IAS 29, as well as the effect for 2022. IAS 29 continued to be relevant for ING&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 220.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">operations in T&#252;rkiye in 2023. Under IAS 29, the results of the operations in T&#252;rkiye should be stated in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">terms of the current purchasing power at the reporting date. For that, the consumer price index (CPI) as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">determined by the Turkish Statistical Institute was used. The CPI for T&#252;rkiye (2003=100) at 31 December <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 was <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.28pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-20" decimals="2" name="ifrs-full:LevelOfPriceIndex" format="ixt:num-dot-decimal" scale="0" id="f-3918">1,859.38</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 123.88pt; position: var(--position); text-decoration: none; white-space: pre;"> and at 31 December 2022 was <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 265.51pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-21" decimals="2" name="ifrs-full:LevelOfPriceIndex" format="ixt:num-dot-decimal" scale="0" id="f-3919">1,128.45</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 304.11pt; position: var(--position); text-decoration: none; white-space: pre;"> (movement 2023: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 389.04999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" name="ifrs-full:PriceIndexMovements" scale="-2" id="f-3920">64.77</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 422.59000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">; movement 2022: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 268.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-23" decimals="4" name="ifrs-full:PriceIndexMovements" scale="-2" id="f-3921">64.27</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 73.50999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">). <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 81.6pt; position: var(--position); text-decoration: none; white-space: pre;">The effect of such restatement for inflation in the current period of the statement of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 280.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">comprehensive income and the balance sheet has been recognised in the statement of profit or loss within <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 292.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Other net income&#8217; as a &#8216;Net monetary gain or loss&#8217;. The net monetary loss for the period represents the loss <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 304.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of purchasing power by the net monetary position (monetary assets exceeding monetary liabilities) of ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">T&#252;rkiye. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">After the application of the above restatement procedures in Turkish Lira under IAS 29, the financial position <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and the results for the period of ING T&#252;rkiye are translated and presented in EUR at the exchange rate on 31 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">December 2023. For the statement of comprehensive income this is in contrast with the usual translation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">procedures where items of comprehensive income are translated at the exchange rate at the date of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">transaction. Furthermore, ING Group selected to present both the restatement effect resulting from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">restating ING Group&#8217;s interest in the equity of ING T&#252;rkiye as required by IAS 29, and the translation effect <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">from translating at a closing rate that differs from the previous closing rate, in the Currency translation <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-3917-2">reserve.</ix:continuation> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 456.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory" id="f-3922" continuedAt="f-3922-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.9&#160;  Foreign currency translation<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 222.41pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3922-1" continuedAt="f-3922-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Functional and presentation currency <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 485.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Items included in the financial statements of each of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 277.72pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 323.21000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s entities are measured using the currency <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 497.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the primary economic environment in which the entity operates (the functional currency). The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 509.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated financial statements are presented in euros, which is <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 338.54999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 384.03999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s presentation currency. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 536.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Transactions and balances <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 548.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Foreign currency transactions are translated into the functional currency using the exchange rate prevailing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">at the date of the transactions. Exchange rate differences resulting from the settlement of such <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transactions and from the translation at year-end exchange rates of monetary assets and liabilities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">denominated in foreign currencies are recognised in the statement of profit or loss, except when deferred in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">equity as part of qualifying cash flow hedges or qualifying net investment hedges. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Non-monetary items that are measured in terms of historical cost in a foreign currency are translated using <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the exchange rate at the date of the transaction. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences on non-monetary items, measured at fair value through profit or loss, are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reported as part of the fair value gain or loss. Non-monetary items are retranslated at the date the fair <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">value is determined. Exchange rate differences on non-monetary items measured at fair value through <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">other comprehensive income are included in other comprehensive income and get accumulated in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">revaluation reserve in equity. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences in the statement of profit or loss are generally included in &#8216;Valuation results and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 253.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">net trading income&#8217;. Reference is made to Note 22 &#8216;Valuation results and net trading income&#8217;, which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">discloses the amounts included in the statement of profit or loss. Exchange rate differences relating to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">disposal of debt and FVPL equity securities are considered to be an inherent part of the capital gains and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">losses recognised in Investment income. As mentioned below, in Group companies relating to the disposals <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of group companies, any exchange rate difference deferred in equity is recognised in the statement of profit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">or loss in &#8216;Result on disposal of group companies&#8217;. Reference is also made to Note 19 &#8216;Equity&#8217;, which discloses <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the amounts included in the statement of profit or loss. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Group companies <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The results and financial positions of all group companies that have a functional currency different from the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">presentation currency are translated into the presentation currency as follows: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 392.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Assets and liabilities are translated at the closing rate at the date of the statement of financial position;&#160; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 405.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Income and expenses are translated at average exchange rates (unless this average is not a reasonable <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">approximation of the cumulative effect of the rates prevailing on the transaction dates, in which case <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">income and expenses are translated at the dates of the transactions). However, under hyperinflation <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">accounting, income and expenses of ING T&#252;rkiye are translated at the closing rate; and&#160; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 456.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">All resulting exchange rate differences are recognised in a separate component of equity.&#160; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 484.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">On consolidation, exchange rate differences arising from the translation of a monetary item that forms part <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 496.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of the net investment in a foreign operation, and of borrowings and other instruments designated as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 508.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hedges of such investments, are taken to shareholders&#8217; equity. When a foreign operation is sold, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 520.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">corresponding exchange rate differences are recognised in the statement of profit or loss as part of the gain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">or loss on sale. <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 258<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3860-14" continuedAt="f-3860-15"><div><ix:continuation id="f-3922-2" continuedAt="f-3922-3"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Goodwill and fair value adjustments arising from the acquisition of a foreign operation are treated as assets <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and liabilities of the foreign operation and translated at the exchange rate prevailing at the balance sheet <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-3922-3">date.</ix:continuation> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 115.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory" id="f-3923" continuedAt="f-3923-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.10&#160;  Investments in associates and joint ventures<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3923-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 130.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Associates are all entities over which <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 206.33pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 251.82pt; position: var(--position); text-decoration: none; white-space: pre;"> has significant influence but not control. Significant <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 144.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">influence is the ability to participate in the financial and operating policies of the investee. It generally <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 156.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">results from a shareholding of between 20% and 50% of the voting rights or through situations including, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 168.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">but not limited to one or more of the following: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 195.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Representation on the board of directors;&#160; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 208.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Participation in the policymaking process; and&#160;  <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 221.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Interchange of managerial personnel.&#160; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 249.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Joint ventures are entities over which <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 209.68pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 255.17pt; position: var(--position); text-decoration: none; white-space: pre;"> has joint control. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Investments in associates and joint ventures are initially recognised at cost and subsequently accounted for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">using the equity method of accounting. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s investment in associates and joint ventures (net of any accumulated impairment loss) includes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">goodwill identified on acquisition. ING Group&#8217;s share of its associates and joint ventures post-acquisition <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">profits or losses is recognised in the statement of profit or loss, and its share of post-acquisition changes in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reserves is recognised in equity. The cumulative post-acquisition changes are adjusted against the carrying <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">amount of the investment. When <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 191.87pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 237.35999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s share of losses in an associate or joint venture equals or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exceeds its interest in the associate or joint venture, including any long-term interests in the associate like <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">uncollateralised loans that are neither planned nor likely to be settled in the foreseeable future, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 468.72pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 514.21pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">does not recognise further losses, unless it has incurred obligations or made payments on behalf of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">associate or joint venture. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Unrealised gains on transactions between <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 230.05pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 275.53999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> and its associates and joint ventures are eliminated to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the extent of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 100.15pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 145.64pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s interest in the associates and joint ventures. Unrealised losses are also eliminated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">unless they provide evidence of an impairment of the asset transferred. Accounting policies of associates <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and joint ventures have been changed where necessary to ensure consistency with the policies adopted by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 513.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The recoverable amount, being the higher of fair value less cost of disposal and value in use, of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 525.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investment in associate and joint venture is determined when there is an indication of potential (reversal of) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 537.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impairment. An impairment loss is recognised when the carrying amount of the investment exceeds its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 549.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">recoverable amount. Goodwill on acquisitions of interests in associates and joint ventures is not tested <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">separately for impairment, but is assessed as part of the carrying amount of the investment. An impairment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">loss is subsequently reversed if there is indication of a reversal and there is a change in the estimates used <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to determine the recoverable amount. An impairment loss is reversed to the extent that the recoverable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">amount exceeds its carrying amount, but cannot exceed the original impairment loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The reporting dates of certain associates and joint ventures can differ from the reporting date of the Group, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">but by no more than three months.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 713.8199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 168.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/></tr><tr style="height: 6.75pt;"><td colspan="4" rowspan="7" style="background-color: #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 101.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Significant judgements and critical accounting estimates and assumptions:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 29.63pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Identification of impairment indicators as well as indicators of potential reversal of previous impairments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 41.63pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">of ING Group&#8217;s investment in TMBThanachart Bank Public Company Limited (hereafter: TTB), an associate, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 53.63pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">requires significant judgement. When there is objective evidence of impairment or indicators that prior <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 65.63pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">period impairment losses no longer exist or may have decreased, value in use (VIU) needs to be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 77.63pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">determined. Estimation of VIU involves significant estimates and management assumptions. Please refer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 89.63pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">to note 8 &#8216;Investments in associates and joint ventures&#8217;. <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 290.16pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory" id="f-3924" continuedAt="f-3924-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.11&#160;  Property and equipment<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 722.12pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3924-1" continuedAt="f-3924-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 304.56pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Property in own use <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 318.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Land and buildings held for own use are stated at fair value at the balance sheet date. Depreciation is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 330.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">recognised on a straight-line basis over the estimated useful life (in general <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 893.53pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 896.03pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-2660" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment" format="ixt-sec:duryear" id="f-3925">20</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 907.29pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 912.23pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-2661" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment" format="ixt-sec:duryear" id="f-3926">50</ix:nonNumeric> years<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 950.87pt; position: var(--position); text-decoration: none; white-space: pre;"> ). On disposal, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 342.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">related revaluation reserve is transferred to retained earnings.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 369.96pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Equipment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 381.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Equipment is stated at cost less accumulated depreciation and any impairment losses. The cost of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 393.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assets is depreciated on a straight line basis over their estimated useful lives, which are generally as follows: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for data processing equipment <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 694.86pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-2662" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment" format="ixt-sec:durwordsen" id="f-3927">two years</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 739.22pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 753.54pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-2663" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment" format="ixt-sec:durwordsen" id="f-3928">five years</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 796.7pt; position: var(--position); text-decoration: none; white-space: pre;">, and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 821.3499999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-2664" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment" format="ixt-sec:durwordsen" id="f-3929">four years</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 866.99pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 881.31pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-2665" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimePropertyPlantAndEquipment" format="ixt-sec:durwordsen" id="f-3930">ten years</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 923.62pt; position: var(--position); text-decoration: none; white-space: pre;"> for fixtures and fittings. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.96pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Disposals of property and equipment<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The difference between the proceeds on disposal and net carrying value is recognised in the statement of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">profit or loss under Other net income.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 722.67pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.96pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Right-of-use assets <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 601.54pt; position: var(--position); text-decoration: none; white-space: pre;"> as the lessee<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 522.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">A lessee is required to recognise a right-of-use asset representing its right to use the underlying leased asset <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 534.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and a corresponding liability representing its obligation to make lease payments at the date at which the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 546.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">leased asset is available for use by <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 711.35pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 756.8399999999999pt; position: var(--position); text-decoration: none; white-space: pre;">. Each lease payment is allocated between the repayment of <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 259<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3860-15" continuedAt="f-3860-16"><div><ix:continuation id="f-3924-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the liability and finance cost. The finance costs are charged to profit or loss over the lease period so as to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">produce a constant periodic rate of interest on the remaining balance of the liability for each period. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">right-of-use asset is depreciated over the shorter of the asset&#8217;s useful life and the lease term on a straight-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">line basis.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Assets and liabilities arising from a lease are initially measured on a present value basis. Lease liabilities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">include the net present value of the following lease payments: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Fixed payments (including in-substance fixed payments), less any lease incentives receivable; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 179.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Variable lease payments that are based on an index or a rate; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 192.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts expected to be payable by the lessee under residual value guarantees; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 205.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The exercise price of a purchase option if the lessee is reasonably certain to exercise that option; and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 218.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Payments of penalties for terminating the lease, if the lease term reflects the lessee exercising that <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 230.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">option. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 258.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The lease payments are discounted using the interest rate implicit in the lease. If that rate cannot be readily <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 270.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">determined, the lessee&#8217;s incremental borrowing rate is used, being the rate that the lessee would have to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">pay to borrow the funds necessary to obtain an asset of similar value in a similar economic environment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 294.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with similar terms and conditions. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 321.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Right-of-use assets are measured at cost comprising the amount of the initial measurement of the lease <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 333.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">liability, any lease payments made at or before the commencement date less any lease incentives received <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 345.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and any initial direct costs and restoration costs. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The right-of-use asset is included in the statement of financial position line-item &#8216;Property and equipment&#8217;, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 384.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the lease liability is included in the statement of financial position line-item &#8216;Other liabilities&#8217;. Refer to Note 9 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 396.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Property and equipment&#8217; and to Note 16 &#8216;Other liabilities&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Subsequent to initial recognition, the right-of-use asset amortises using a straight-line method to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">income statement over the life of the lease. The lease liability increases for the accrual of interest and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">decrease when payments are made. Any remeasurement of the lease liability due to a lease modification <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">or other reassessment results in a corresponding adjustment to the carrying amount of the right-of-use <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">asset.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 500.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory" id="f-3931" continuedAt="f-3931-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.12&#160;  ING Group as lessor<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3931-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">When ING Group acts as a lessor, a distinction should be made between finance leases and operating leases. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 56.44pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 101.93pt; position: var(--position); text-decoration: none; white-space: pre;"> as a lessor these are mainly finance leases and are therefore not included in 'Property and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">equipment'. Instead, the present value of the lease payments is recognised as a receivable under Loans and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 555.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">advances to customers or Loans and advances to banks. The difference between the gross receivable and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the present value of the receivable is unearned finance lease income. Lease income is recognised over the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">term of the lease using the net investment method (before tax), which reflects a constant periodic rate of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">return.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 117.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory" id="f-3932" continuedAt="f-3932-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.13&#160;  Goodwill and other intangible assets <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 791.96pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3932-1" continuedAt="f-3932-2"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 149.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Impairment of goodwill and other non-financial assets<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 600.51pt; position: var(--position); text-decoration: none; white-space: pre;"> assesses at each reporting period, whether there is an indication that a non-financial asset may <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">be impaired. Irrespective of whether there is an indication of impairment, intangible assets with an indefinite <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">useful life, including goodwill acquired in a business combination, and intangible assets not yet available for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">use, are tested annually for impairment. Goodwill is allocated to groups of cash generating units (CGUs) for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the purpose of impairment testing. These groups of CGUs represent the lowest level at which goodwill is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">monitored for internal management purposes. Goodwill is tested for impairment by comparing the carrying <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">value of the group of CGUs to the recoverable amount of that group of CGUs. Impairment of goodwill, if <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">applicable, is included in the statement of profit or loss in Other operating expenses and is not subsequently <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reversed. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 291.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Computer software <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 305.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Computer software that has been purchased or generated internally for own use is stated at cost less <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">amortisation and any impairment losses. Amortisation is calculated on a straight-line basis over its useful <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.91pt; width: 1080pt;"><ix:continuation id="f-3932-2" continuedAt="f-3932-3"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">life which generally does not exceed <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 719.95pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-2666" name="ifrs-full:UsefulLifeMeasuredAsPeriodOfTimeIntangibleAssetsOtherThanGoodwill" format="ixt-sec:durwordsen" id="f-3933">five years</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span></ix:continuation><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 763.11pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-3932-3">. Amortisation is included in Other operating expenses.</ix:continuation> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 360.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory" id="f-3934" continuedAt="f-3934-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.14&#160;  Taxation <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 638.68pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3934-1" continuedAt="f-3934-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Income tax on the result for the year consists of current and deferred tax. Income tax is recognised in the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 389.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">statement of profit or loss but it is recognised directly in equity if the tax relates to items that are recognised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 401.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">directly in equity. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 428.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Uncertain tax positions are assessed continually by <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 786.5899999999999pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 832.0799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> and in case it is probable that there will be a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 440.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cash outflow, a current tax liability is recognised. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 467.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred income tax <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 479.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred income tax is provided in full, using the liability method, for temporary differences arising between <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 491.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the tax basis of assets and liabilities and their carrying amounts in the Consolidated statement of financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 503.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">position. Deferred income tax is determined using tax rates (and laws) that have been enacted or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 515.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">substantively enacted at the balance sheet date and are expected to apply when the related deferred <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 260<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3860-16" continuedAt="f-3860-17"><div><ix:continuation id="f-3934-2" continuedAt="f-3934-3"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">income tax asset is realised or the deferred income tax liability is settled. Deferred tax assets and liabilities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are not discounted. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred tax assets are recognised when it is probable that future taxable profit will be available against <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which the temporary differences can be utilised. Deferred income tax is provided for temporary differences <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">arising from investments in subsidiaries and associates, except where the timing of the reversal of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">temporary difference is controlled by ING Group and it is probable that the difference will not reverse in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">foreseeable future. The tax effects of income tax losses available for carry forward are recognised as an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">asset where it is probable that future taxable profits will be available against which these losses can be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">utilised. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Fair value remeasurements of debt and equity instruments measured at FVOCI and cash flow hedges are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">recognised directly in equity. Deferred tax related to this fair value remeasurement is also recognised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">directly in equity and is subsequently recognised in the statement of profit or loss together with the <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-3934-3">deferred gain or loss.</ix:continuation> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 267.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DescriptionOfAccountingPolicyForProvisionsContingentLiabilitiesAndContingentAssetsExplanatoryPolicyTextBlock" id="f-3935" continuedAt="f-3935-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.15&#160;  Provisions, contingent liabilities and contingent assets<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3935-1" continuedAt="f-3935-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">A provision is a present obligation arising from past events, the settlement of which is expected to result in <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 296.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">an outflow of resources embodying economic benefits, however the timing or the amount is uncertain. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 308.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions are discounted when the effect of the time value of money is significant using a pre-tax discount <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 320.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">rate. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reorganisation provisions include employee termination benefits when ING Group is demonstrably <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">committed to either terminate the employment of current employees according to a detailed formal plan <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 373.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">without possibility of withdrawal, or providing termination benefits as a result of an offer made to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 385.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">encourage voluntary redundancy. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">A liability is recognised for a levy when the activity that triggers payment, as identified by the relevant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">legislation, occurs. For a levy that is triggered upon reaching a minimum threshold, the liability is recognised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">only upon reaching the specified minimum threshold. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 467.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">A contingent liability is a possible obligation that arises from past events and whose existence will be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 479.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">confirmed only by the occurrence or non-occurrence of one or more uncertain future events not wholly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 491.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">within the control of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 132.86pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 178.35pt; position: var(--position); text-decoration: none; white-space: pre;">; or a present obligation that arises from past events but is not recognised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 503.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">because it is either not probable that an outflow of economic benefits will be required to settle the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 515.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">obligation or the amount of the obligation cannot be measured reliably. Contingent liabilities are not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 527.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">recognised in the statement of financial position, but are rather disclosed in the notes unless the possibility <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 539.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the outflow of economic benefits is remote. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">A contingent asset is a possible asset that arises from past events and whose existence will be confirmed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">only by the occurrence or non-occurrence of one or more uncertain future events not wholly within the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">control of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 600.47pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 645.96pt; position: var(--position); text-decoration: none; white-space: pre;">. Contingent assets are recognised in the statement of financial position only when <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">realisation of the income that arises from such an asset is virtually certain. Contingent assets are disclosed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in the notes when an inflow of economic benefits is probable. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 141.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/></tr><tr style="height: 145.5pt;"><td colspan="4" rowspan="10" style="background-color: #dbdbdb; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 287.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Significant judgements and critical accounting estimates and assumptions:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 29.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">The recognition and measurement of provisions is an inherently uncertain process involving using <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 41.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">judgement to determine when a present obligation exists and estimates regarding probability, amounts <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 53.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">and timing of cash flows. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 80.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 48.120000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> may become involved in governmental, regulatory, arbitration and legal proceedings and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 92.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">investigations and may be subject to third party claims. With or without reference to the above, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 433.24pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 478.73pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 104.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">may also offer compensation to certain of its customers. Judgement is required to assess whether a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 116.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">present obligation exists and to estimate the probability of an unfavourable outcome and the amount of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 128.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">potential loss. The degree of uncertainty and the method of making the accounting estimate depends on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 140.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the individual case, its nature and complexity. Such cases are usually one of a kind. For the assessment of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 152.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">related provisions ING Group consults with internal and external legal experts. Even taking into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 164.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">consideration legal experts&#8217; advice, the probability of an outflow of economic benefits can still be uncertain <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 176.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">and the provision recognised can remain sensitive to the assumptions used. Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 440.73pt; position: var(--position); text-decoration: none; white-space: pre;">Note 15 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 188.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">'Provisions'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 51.75pt; position: var(--position); text-decoration: none; white-space: pre;">. For proceedings where it is not possible to make a reliable estimate of the expected financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 200.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">effect, that could result from the ultimate resolution of the proceedings, no provision is recognised, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 212.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">however disclosure is included in the financial statements, where relevant. Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 434.40999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">Note 42 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 224.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">'Legal proceedings'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 88.44999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 251.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Critical accounting estimates and assumptions for the reorganisation provision are in estimating the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 263.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">amounts and timing of cash flows as the announced transformation initiatives are implemented over a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 275.75pt; width: 483pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">period of several years. Reference is made to Note 15 'Provisions'.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr><tr style="height: 15.75pt;"><td colspan="4" rowspan="1" style="display: none;"/></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 451.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.16&#160;  Irrevocable Payment Commitments on contributions to SRF and DGS<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING makes contributions to the Single Resolution Fund (SRF) and Deposit Guarantee Schemes (DGS). The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 481.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">annual contributions are paid in cash or, in some cases, partly using Irrevocable Payment Commitments <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(IPCs) that become payable if and when called. Cash contributions are accounted for as levies as described <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in section 1.15 above while IPCs are disclosed as contingent liabilities in Note 41 Contingent liabilities and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">commitments. Cash collateral posted on IPCs to the SRF is accounted for as an interest bearing financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">asset at amortised cost. Government bonds posted as collateral on IPCs to DGS continue to be recognised as <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-3935-2">assets of ING as securities at amortised cost.</ix:continuation> <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 261<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3860-17" continuedAt="f-3860-18"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DescriptionOfAccountingPolicyForOtherLiabilitiesExplanatoryPolicyTextBlock" id="f-3936" continuedAt="f-3936-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.17&#160;  Other liabilities<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 157.05pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3936-1" continuedAt="f-3936-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 94.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Defined benefit plans <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 106.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The net defined benefit asset or liability recognised in the statement of financial position in respect of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 118.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">defined benefit pension plans is the fair value of the plan assets less the present value of the defined benefit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 130.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">obligation at the balance sheet date. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 157.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in plan assets include mainly: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 169.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Return on plan assets are recognised as staff costs in the statement of profit or loss. It is determined <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 182.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">using a high quality corporate bond rate (identical to the discount rate used in determining the defined <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 194.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">benefit obligation) at the start of the reporting period; and&#160; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 207.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Remeasurements which are recognised in Other comprehensive income.&#160; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The defined benefit obligation is calculated by internal and external independent qualified actuaries through <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">actuarial models and calculations using the projected unit credit method. This method considers expected <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">future payments required to settle the obligation resulting from employee service in the current and prior <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">periods, discounted using a high quality corporate bond rate. Inherent in these actuarial models are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 283.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">assumptions including discount rates, rates of increase in future salary and benefit levels, mortality rates, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 295.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consumer price index and the expected level of indexation. The assumptions are based on available market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">data as well as management expectations and are updated regularly.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in the defined benefit obligation include mainly: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 346.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Service cost which is recognised as staff costs in the statement of profit or loss;&#160; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 359.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Interest expenses are recognised as staff costs in the Statement of profit or loss. It is determined using a <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">high quality corporate bond rate at the start of the period;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 384.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Remeasurements which are recognised in Other comprehensive income (equity) and not recycled to the <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 397.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Statement of profit or loss;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 410.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Any past service cost relating to a plan amendment is recognised in profit or loss in the period of the plan <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">amendment; and<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 436.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Gains and losses on curtailments and settlements are recognised in the Statement of profit or loss when <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 448.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">the curtailment or settlement occurs.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 476.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The recognition of a net defined benefit asset in the Consolidated statement of financial position is limited <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 488.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to the present value of any economic benefits available in the form of refunds from the plans or reductions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 500.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in future contributions to the plans. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 527.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Defined contribution plans <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 539.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For defined contribution plans, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 178.62pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 224.10999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> pays contributions to publicly or privately administered pension <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 551.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">insurance plans on a mandatory, contractual or voluntary basis. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 329.1pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 374.59000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> has no further payment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">obligations once the contributions have been paid. The contributions are recognised as staff expenses in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">profit or loss when they are due. Prepaid contributions are recognised as an asset to the extent that a cash <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">refund or a reduction in the future payments is available. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other post-employment obligations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Some group companies provide other post-employment benefits to former employees. The entitlement to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">these benefits is usually conditional on the employee remaining in service up to retirement age and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">completion of a minimum service period. The expected costs of these benefits are accrued over the period <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-3936-2">of employment using an accounting methodology similar to that for defined benefit pension plans.</ix:continuation> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 192.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForTreasurySharesExplanatory" id="f-3937" continuedAt="f-3937-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.18&#160;  Treasury shares<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3937-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 207.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Treasury shares (own equity instruments bought back by ING Group or its subsidiaries) are deducted from <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 221.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Equity (Other reserves). No gain or loss is recognised in the statement of profit or loss when purchasing, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 233.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">selling or cancelling these shares. Treasury shares are not taken into account when calculating earnings per <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 245.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ordinary share or dividend per ordinary share as they are not considered to be outstanding.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Treasury shares can be purchased by ING as part of a share buyback programme. If a share buyback is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">executed by a broker and the agreement with the broker is irrevocable, ING has a contractual obligation to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">purchase its own shares that is unavoidable once it signs the agreement with the broker. This is the moment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">when ING recognises a financial liability measured at the present value of the redemption amount with a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">corresponding reduction in equity (Retained earnings). During the share buyback programme, ING settles <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">this liability for the actual purchase price paid for the shares bought on a daily basis. Actual shares bought <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">back and held by ING are presented as Treasury shares within Other reserves in equity.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 375.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DescriptionOfAccountingPolicyForIncomeRecognitionExplanatoryPolicyTextBlock" id="f-3938" continuedAt="f-3938-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.19&#160;  Income recognition<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 693.97pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3938-1" continuedAt="f-3938-2"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 390.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Interest <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 404.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Interest income and expense are recognised in the statement of profit or loss using the effective interest <span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 417.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">method. The effective interest method is a method of calculating the amortised cost of a financial asset or a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 429.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial liability and of allocating the interest income or interest expense over the relevant period. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 441.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">effective interest rate is the rate that exactly discounts estimated future cash payments or receipts through <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the expected life of the financial instrument or, when appropriate, a shorter period to the net carrying <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">amount of the financial asset or financial liability. When calculating the effective interest rate, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 976.77pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1022.26pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 477.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">estimates cash flows considering all contractual terms of the financial instrument (for example, prepayment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 489.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">options) but does not consider future credit losses. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The calculation includes all fees and points paid or received between parties to the contract that are an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 530.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">integral part of the effective interest rate, transaction costs and all other premiums or discounts. Once a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 542.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial asset or a group of similar financial assets has been written down as a result of an impairment loss, <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 262<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3860-18" continuedAt="f-3860-19"><div><ix:continuation id="f-3938-2" continuedAt="f-3938-3"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest income is recognised using the rate of interest used to discount the future cash flows for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">purpose of measuring the impairment loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Interest results on instruments classified at Amortised Cost, assets measured at FVOCI and derivatives in a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 117.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">formal hedge accounting relationship is presented in &#8216;Interest income (expense) using effective interest rate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 129.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">method&#8217;. Interest result on financial assets and liabilities voluntarily designated as at FVPL and derivatives in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 141.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">so called economic hedges and instruments designated at fair value are presented in &#8216;Other interest income <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 153.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(expense)&#8217;. Interest result on all other financial assets and liabilities at FVTPL is recognised in &#8216;Valuation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 165.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">results and net trading income&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 194.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Fees and commissions <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 209.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Fees and commissions are generally recognised as the service is provided. Loan commitment fees for loans <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that are likely to be drawn down are deferred (together with related direct costs) and recognised as an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adjustment to the effective interest rate on the loan. Loan syndication fees are recognised as income when <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the performance obligation has been satisfied based on the particular contract and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 414.24pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 459.73pt; position: var(--position); text-decoration: none; white-space: pre;"> has retained <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">no part of the loan package for itself or has retained a part at the same effective interest rate as the other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">participants. Commission and fees arising from negotiating, or participating in the negotiation of, a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 283.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">transaction for a third party &#8211; such as the arrangement of the acquisition of shares or other securities or the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 295.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">purchase or sale of businesses &#8211; are recognised on completion of the underlying transaction. Portfolio and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">other management advisory and service fees are recognised based on the applicable service contracts as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the service is provided. Asset management fees related to investment funds and investment contract fees <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are recognised on a pro-rata basis over the period the service is provided. The same principle is applied for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">wealth management, financial planning and custody services that are continuously provided over an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">extended period of time. Fees received and paid between banks for payment services are classified as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">commission income and expenses. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 396.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Lease income <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The proceeds from leasing out assets under operating leases are recognised on a straight-line basis over the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 425.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">life of the lease agreement. Lease payments received in respect of finance leases when <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 432.62pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 478.11pt; position: var(--position); text-decoration: none; white-space: pre;"> is the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 437.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">lessor are divided into an interest component (recognised as interest income) and a repayment component <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 449.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-3938-3">based on a pattern reflecting a constant periodic rate of return on the lessor&#8217;s net investment in the lease.</ix:continuation> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 478.51pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DescriptionOfAccountingPolicyForRecognitionOfExpenseExplanatoryPolicyTextBlock" id="f-3939" continuedAt="f-3939-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.20&#160;  Expense recognition<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 183.95pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3939-1" continuedAt="f-3939-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Expenses are recognised in the statement of profit or loss as incurred or when a decrease in future <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">economic benefits related to a decrease in an asset or an increase in a liability has arisen that can be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">measured reliably. Fee and commission expenses are generally a result from a contract with ING service <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">providers in order to perform the service for <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 237.15pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 282.64pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s customers. Costs are generally presented as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Commission expenses&#8217; if they are specific, incremental, directly attributable and identifiable to generate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 555.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">commission income.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Share-based payments <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group only engages in share-based payment transactions with its staff and directors. Share-based <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">payment expenses are recognised as a staff expense over the vesting period. A corresponding increase in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 105.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">equity is recognised for equity-settled share-based payment transactions. A liability is recognised for cash-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 117.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">settled share-based payment transactions. The fair value of equity-settled share-based payment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 129.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transactions are measured at the grant date, and the fair value of cash-settled share-based payment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transactions are measured at each balance sheet date. Rights granted will remain valid until the expiry <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 153.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">date, even if the share based payment scheme is discontinued. The rights are subject to certain conditions, <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 165.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-3939-2">including a pre-determined continuous period of service.</ix:continuation> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 809.8pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 194.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForEarningsPerShareExplanatory" id="f-3940" continuedAt="f-3940-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.21&#160;  Earnings per ordinary share<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3940-1" continuedAt="f-3940-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 209.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Earnings per ordinary share is calculated on the basis of the weighted average number of ordinary shares <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">outstanding. In calculating the weighted average number of ordinary shares outstanding: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 239.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Own shares held by group companies are deducted from the total number of ordinary shares in issue;&#160; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 252.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">The computation is based on daily averages; and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 265.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">In case of exercised warrants, the exercise date is taken into consideration.&#160; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 292.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Diluted earnings per share data are computed as if all convertible instruments outstanding at year-end <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 304.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">were exercised at the beginning of the period. It is also assumed that ING Group uses the assumed proceeds <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">thus received to buy its own shares against the average market price in the financial year. The net increase <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in the number of shares resulting from the exercise is added to the average number of shares used to <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-3940-2">calculate diluted earnings per share.</ix:continuation> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 369.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DescriptionOfAccountingPolicyForCashFlowsExplanatory" id="f-3941" continuedAt="f-3941-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1.22&#160;  Statement of cash flows<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 721.93pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3941-1" continuedAt="f-3941-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 384.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The statement of cash flows is prepared in accordance with the indirect method, distinguishing cash flows <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 398.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from operating, investing and financing activities. In the net cash flow from operating activities, the result <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 410.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">before tax is adjusted for those items in the statement of profit or loss and changes in items per the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 422.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">statement of financial position, which do not result in actual cash flows during the year. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For the purposes of the statement of cash flows, Cash and cash equivalents include deposits from banks and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">loans and advances to banks that are on demand. Furthermore, it includes treasury bills and other eligible <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 475.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">bills shorter than three months. Investments qualify as a cash equivalent if they are readily convertible to a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 487.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">known amount of cash and are subject to an insignificant risk of changes in value. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Cash flows arising from foreign currency transactions are translated into the functional currency using the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">exchange rates at the date of the cash flows. <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 263<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-3860-19" continuedAt="f-3860-20"><ix:continuation id="f-3941-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The net cash flow shown in respect of Loans and advances to customers relates only to transactions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">involving actual payments or receipts. The Addition to loan loss provision which is deducted from the item <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers in the statement of financial position has been adjusted accordingly from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the result before tax and is shown separately in the statement of cash flows. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 129.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The difference between the Net cash flow in accordance with the statement of cash flows and the change <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 141.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">between the opening and closing balance of Cash and cash equivalents in the statement of financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 153.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">position is due to exchange rate differences and is presented separately in the cash flow statement.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 182.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Liabilities arising from financing activities are debt securities, lease liabilities and subordinated loans.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 211.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DescriptionOfAccountingPolicyForParentCompanyAccountsPolicyTextBlock" id="f-3942" continuedAt="f-3942-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.23&#160;  Parent company accounts<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3942-1" continuedAt="f-3942-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The condensed parent company financial statements of ING Groep N.V. are prepared using the recognition <span style="display: inline-block; height: 9pt;"></span></span></div></ix:continuation></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 240.71pt; width: 1080pt;"><ix:continuation id="f-3942-2"><ix:continuation id="f-3860-20"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and measurement principles as those applied in the Consolidated financial statements.<span style="display: inline-block; height: 7.5pt;"></span></span></ix:continuation></ix:continuation><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 429.03pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 264<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_190"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Notes to the Consolidated statement of financial position<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 145.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory" id="f-3943" continuedAt="f-3943-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2&#160;  Cash and balances with central banks<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3943-1"><div style="position: var(--position); top: 162.11pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfIncreaseDecreaseInCashAndBankBalanceWithCentralBankTableTextBlock" id="f-3944" continuedAt="f-3944-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and balances with central banks<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts held at central banks<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 126.22999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;"> 1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:MandatoryReserveDepositsAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-3945">88,627</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:MandatoryReserveDepositsAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-3946">85,934</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and bank balances<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 42.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:BankBalancesAtCentralBanksOtherThanMandatoryReserveDeposits" format="ixt:num-dot-decimal" scale="6" id="f-3947">1,587</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 42.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:BankBalancesAtCentralBanksOtherThanMandatoryReserveDeposits" format="ixt:num-dot-decimal" scale="6" id="f-3948">1,681</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 57pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-3949">90,214</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 57pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-3950">87,614</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-3944-1"><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 238.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.47pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 46.72pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts held at central banks include an amount of EUR <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 253.44pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ing:AmountsHeldAtCentralBanksAmountOfLoanLossProvisions" format="ixt:num-dot-decimal" scale="6" id="f-3951">5</ix:nonFraction>&#160;million<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 286.83000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 291.37pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 309.37pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 313.78pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 329.95000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="ing:AmountsHeldAtCentralBanksAmountOfLoanLossProvisions" format="ixt:num-dot-decimal" scale="6" id="f-3952">12</ix:nonFraction>&#160;million<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 367.84000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">)<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 370.70000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> of Loan loss provisions.<span style="display: inline-block; height: 6.75pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 264.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts held at central banks reflect on demand balances. The movement reflects ING&#8217;s active liquidity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 136.95pt; position: var(--position); text-decoration: none; white-space: pre;">Note 39 'Transfer of financial assets, assets pledged and received as collateral'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 486.77pt; position: var(--position); text-decoration: none; white-space: pre;"> for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">restrictions on amounts held at central banks.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 345.16pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_193"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 345.16pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory" id="f-3953" continuedAt="f-3953-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3&#160;  Loans and advances to banks<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3953-1"><div style="position: var(--position); top: 361.96pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfLoansAndAdvancesToBanksByGeographyExplanatory" id="f-3954" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 215.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.05pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of the world<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 67.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 215.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2667" decimals="-6" name="ing:LoansAndAdvancesToBanksGross" format="ixt:num-dot-decimal" scale="6" id="f-3955">9,453</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2668" decimals="-6" name="ing:LoansAndAdvancesToBanksGross" format="ixt:num-dot-decimal" scale="6" id="f-3956">23,463</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2669" decimals="-6" name="ing:LoansAndAdvancesToBanksGross" format="ixt:num-dot-decimal" scale="6" id="f-3957">7,286</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2670" decimals="-6" name="ing:LoansAndAdvancesToBanksGross" format="ixt:num-dot-decimal" scale="6" id="f-3958">11,679</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:LoansAndAdvancesToBanksGross" format="ixt:num-dot-decimal" scale="6" id="f-3959">16,739</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:LoansAndAdvancesToBanksGross" format="ixt:num-dot-decimal" scale="6" id="f-3960">35,141</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loan loss provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2667" decimals="-6" name="ing:LossOnProvisionsForLoansToBanks" scale="6" id="f-3961">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2668" decimals="-6" name="ing:LossOnProvisionsForLoansToBanks" scale="6" id="f-3962">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2669" decimals="-6" name="ing:LossOnProvisionsForLoansToBanks" scale="6" id="f-3963">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2670" decimals="-6" name="ing:LossOnProvisionsForLoansToBanks" scale="6" id="f-3964">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:LossOnProvisionsForLoansToBanks" scale="6" id="f-3965">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:LossOnProvisionsForLoansToBanks" scale="6" id="f-3966">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2667" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-3967">9,441</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2668" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-3968">23,451</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2669" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-3969">7,268</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2670" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-3970">11,653</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-3971">16,709</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-3972">35,104</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances mainly include balances of reverse repurchase transactions, term loans and cash <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">collateral transactions. For more information on the balance of reverse repurchase transactions refer to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Note 4 'Financial assets at fair value through profit or loss'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 298.78pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 301.28pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 303.69000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 306.19000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 403.16999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">Note 7 'Loans and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">advances to customers'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 146.26pt; position: var(--position); text-decoration: none; white-space: pre;"> for information on finance lease receivables included in Loans and advances to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">banks. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 534.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 65.2pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 150pt; position: var(--position); text-decoration: none; white-space: pre;"> and at 31 December 2022, all loans and advances to banks are non-subordinated.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 145.31pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_196"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 145.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfFinancialAssetsAtFairValueThroughProfitOrLossExplanatory" id="f-3973" continuedAt="f-3973-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">4&#160;  Financial assets at fair value through profit or loss<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3973-1" continuedAt="f-3973-2"><div style="position: var(--position); top: 162.11pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory" id="f-3974" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 394.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through profit or loss<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 394.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Trading assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-3975">60,229</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-3976">56,870</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-trading derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-3977">2,028</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-3978">3,893</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Designated at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-3979">5,775</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-3980">6,159</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 394.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 394.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Mandatorily measured at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-3981">54,983</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-3982">46,844</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3983">123,015</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3984">113,766</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 272.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(Reverse) repurchase transactions<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 287.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through profit or loss includes securities lending and sales and repurchase <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transactions with securities. At ING, these types of transactions are recognised in several lines in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">statement of financial position depending on business model assessment and counterparty. Furthermore, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for repurchase agreements the gross amount of assets must be considered together with the gross amount <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of related liabilities, which are presented separately on the statement of financial position since IFRS does <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">not always allow netting of these positions in the statement of financial position.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Securities purchased under agreements to resell (reverse repos), securities borrowings and similar <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">agreements are not recognised in the consolidated statement of financial position as the counterparty <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 400.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">continues to be exposed to substantially all risks and rewards of the transferred security. Based on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 412.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business model assessment and counterparty, the consideration paid to purchase securities is recognised as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 424.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers, Loans and advances to banks, financial assets mandatorily at FVPL or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 436.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Trading assets. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Securities sold subject to repurchase agreements (repos), securities lending and similar agreements <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 475.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">continue to be recognised in the consolidated statement of financial position as<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 910.92pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 913.42pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 958.91pt; position: var(--position); text-decoration: none; white-space: pre;"> continues to be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 487.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">exposed to substantially all risks and rewards of the transferred financial asset. The counterparty liability is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 499.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">designated and measured at FVPL if the asset is measured at FVPL. Otherwise, the counterparty liability is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 511.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">included in Deposits from banks, Customer deposits or Trading. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 538.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 649.5pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 652pt; position: var(--position); text-decoration: none; white-space: pre;">Note 39 'Transfer of financial assets, assets pledged and received as collateral'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1001.8199999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1004.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 550.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">information on transferred assets which were not derecognised.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 265<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-3973-2" continuedAt="f-3973-3"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfRepurchaseAndReverseRepurchaseAgreementsExplanatory" id="f-3985" continuedAt="f-3985-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s exposure to (reverse) repurchase transactions is included in the following lines in the statement <span style="display: inline-block; height: 7.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-3985-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of financial position:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 103.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Exposure to (reverse) repurchase agreements<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Reverse repurchase transactions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 41.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2671" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3986">5,251</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2672" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3987">19,395</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 54pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2673" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-3988">499</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2674" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3989">1,306</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 68.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Trading assets, loans and receivables<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 68.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2675" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3990">12,121</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 68.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2676" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3991">9,732</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 82.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and receivables mandatorily measured at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 2pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 82.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2677" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3992">51,536</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 2pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 82.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2678" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3993">43,153</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 2pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 96.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2679" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3994">69,407</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 2pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 96.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2680" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3995">73,587</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 111pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Repurchase transactions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 125.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deposits from banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 125.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2681" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3996">2,064</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 125.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2682" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-3997">3,809</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 139.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 139.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2683" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-3998">97</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 139.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2684" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-3999">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 153.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Trading liabilities, funds on deposit<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 153.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2685" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-4000">10,337</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 153.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2686" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-4001">5,715</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 168pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Funds entrusted designated and measured at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 2pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 168pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2687" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-4002">45,729</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 2pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 168pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2688" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-4003">43,131</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 2pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 182.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2689" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-4004">58,227</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 2pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 182.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2690" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-4005">52,655</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 320.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Trading assets<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 335.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFinancialAssetsHeldForTradingExplanatory" id="f-4006" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Trading assets by type<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equity securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2691" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4007">15,412</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2692" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4008">11,737</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2693" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4009">6,907</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2694" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4010">4,189</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2695" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4011">25,680</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2696" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4012">30,841</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and receivables<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 2pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2697" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4013">12,231</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 2pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2698" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4014">10,103</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 2pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 2pt solid #a8a8a8; border-top: 2pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4015">60,229</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 2pt solid #a8a8a8; border-top: 2pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4016">56,870</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 446.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Trading assets include assets that are closely related to servicing the needs of the clients of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 450.39pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 495.88pt; position: var(--position); text-decoration: none; white-space: pre;">. ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 458.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">offers institutional clients, corporate clients, and governments, products that are traded on the financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">markets. A significant part of the derivatives in the trading portfolio is related to servicing corporate clients <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 482.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in their risk management to hedge for example currency or interest rate exposures. In addition, ING provides <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">its customers access to equity and debt markets for issuing their own equity or debt securities (securities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">underwriting).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 533.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 136.95pt; position: var(--position); text-decoration: none; white-space: pre;">Note 14 'Financial liabilities at fair value through profit or loss'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 411.77pt; position: var(--position); text-decoration: none; white-space: pre;"> for information on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 545.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">trading liabilities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Non-trading derivatives<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 79.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfNonTradingDerivativesDesignatedAtFairValueThroughProfitOrLossExplanatory" id="f-4017" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Non-trading derivatives by type<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives used in<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">-&#160; fair value hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2699" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-4018">716</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2700" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-4019">836</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">-&#160; cash flow hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2701" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-4020">440</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2702" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-4021">814</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">-&#160; hedges of net investments in foreign operations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2703" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-4022">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2704" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-4023">119</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other non-trading derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2705" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-4024">771</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.72pt;"></span></span><span style="left: 17.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2706" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-4025">2,124</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);">&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14pt;"></span></span><span style="left: 16.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-4026">2,028</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 4.5pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14pt;"></span></span><span style="left: 16.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-4027">3,893</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 4.5pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 652pt; position: var(--position); text-decoration: none; white-space: pre;">Note 36 'Derivatives and hedge accounting'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 846.4300000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> for information on derivatives designated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">in hedge accounting.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 241.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other non-trading derivatives mainly includes interest rate swaps and foreign exchange currency swaps for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 253.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which no hedge accounting is applied.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 282.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Designated at fair value through profit or loss<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 297.21pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory" id="f-4028" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Designated at fair value through profit or loss by type<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2693" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4029">4,470</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2694" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4030">5,437</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and receivables<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2697" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4031">1,306</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2698" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-4032">722</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4033">5,775</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4034">6,159</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Financial assets designated at fair value through profit or loss&#8217; is partly economically hedged by credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives. The hedges do not meet the criteria for hedge accounting and the loans and debt securities are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">recorded at fair value to avoid an accounting mismatch. The maximum credit exposure of the loans and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">receivables and debt securities included in &#8216;Financial assets designated at fair value through profit or loss&#8217; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">approximates its carrying value and amounts to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 792.86pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4035">5,775</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 850.22pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 903.55pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4036">6,159</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 960.91pt; position: var(--position); text-decoration: none; white-space: pre;">). In 2023, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">change in fair value of these loans and debt securities amounts EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 860.8pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2707" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-4037">48</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 875.79pt; position: var(--position); text-decoration: none; white-space: pre;"> million (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 961.55pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2708" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-4038">357</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 978.44pt; position: var(--position); text-decoration: none; white-space: pre;"> million).&#160; &#160;  <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING has mitigated the credit risk exposure on some of the portfolio. The cost at initial recognition of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 481.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial assets designated at fair value through profit or loss that are economically hedged by credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives is EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 635.21pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2709" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4039">3,181</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 692.5699999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (31 December 2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 808.18pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2710" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4040">3,051</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 865.54pt; position: var(--position); text-decoration: none; white-space: pre;"> and the cumulative change in fair <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">value attributable to changes in credit risk is EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 774.74pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2709" decimals="-6" name="ifrs-full:AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4041">150</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 824.06pt; position: var(--position); text-decoration: none; white-space: pre;"> (31 December 2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 939.67pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2710" decimals="-6" name="ifrs-full:AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4042">150</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 988.99pt; position: var(--position); text-decoration: none; white-space: pre;">). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The notional value of the related credit derivatives is EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 811.15pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2711" decimals="-6" name="ifrs-full:CreditDerivativeNominalAmount" format="ixt:num-dot-decimal" scale="6" id="f-4043">3,679</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 868.51pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 871.01pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 874.19pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 896.71pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 921.8399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2712" decimals="-6" name="ifrs-full:CreditDerivativeNominalAmount" format="ixt:num-dot-decimal" scale="6" id="f-4044">3,370</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 979.2pt; position: var(--position); text-decoration: none; white-space: pre;">).The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 544.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cumulative change in fair value of the credit derivatives since the financial assets were first designated, <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 266<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-3973-3" continuedAt="f-3973-4"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">amounts to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 114.82pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 117.32pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2713" decimals="-6" sign="-" name="ifrs-full:AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4045">119</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 170.37pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 172.87pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 176.05pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 198.57pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 223.7pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2714" decimals="-6" name="ifrs-full:AccumulatedChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4046">3</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 261.76pt; position: var(--position); text-decoration: none; white-space: pre;">) and the change for the current year is EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 460.29999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2715" decimals="-6" sign="-" name="ifrs-full:ChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4047">122</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 513.35pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 43.15pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 65.67pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 90.8pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2716" decimals="-6" name="ifrs-full:ChangesInFairValueOfFinancialAssetsAttributableToChangesInCreditRiskOfFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4048">72</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 134.49pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The changes in fair value attributable to changes in credit risk have been calculated by determining the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">changes in credit spread implicit in the fair value of loans and bonds issued by entities with similar credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">characteristics.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 156.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Mandatorily at fair value through profit or loss<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 171.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFinancialInstrumentsExplanatory" id="f-4049" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Mandatorily at fair value through profit or loss by type<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equity securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2717" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-4050">179</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2718" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-4051">203</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2693" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-4052">894</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2694" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-4053">821</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and receivables<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2697" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-4054">53,911</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2698" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-4055">45,820</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-4056">54,983</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-4057">46,844</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 275.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Equity securities are individually insignificant for <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 257.64pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 303.13pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 308.03999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> For debt securities <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 394.67999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">total exposure reference is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 287.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 80.35pt; position: var(--position); text-decoration: none; white-space: pre;">Note 6 'Debt securities'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 183.2pt; position: var(--position); text-decoration: none; white-space: pre;">. Loans and receivables include mainly reverse repurchase agreements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 314.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Following the implementation of IFRS 17 on 1 January 2023, a portfolio of loans with death waivers has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 326.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">been reclassified from financial assets measured at amortised cost to financial assets mandatorily <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 338.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">measured at fair value through profit or loss (31 December 2023: EUR<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 350.20000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 352.70000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2719" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4058">538</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 402.02pt; position: var(--position); text-decoration: none; white-space: pre;">). For further information <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 350.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on the change in accounting policies, reference is made to Note 1 'Basis of preparation and material <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-3973-4">accounting policy information'.</ix:continuation>&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 389.31pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_199"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 389.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTextBlock" id="f-4059" continuedAt="f-4059-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">5&#160;  Financial assets at fair value through other comprehensive income<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4059-1" continuedAt="f-4059-2"><div style="position: var(--position); top: 406.11pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:SummaryOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" id="f-4060" continuedAt="f-4060-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 43.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through other comprehensive income by type<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 43.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438.75pt; position: var(--position); top: 14.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equity securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.47pt;"></span></span><span style="left: 18.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2720" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4061">1,885</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 27pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.72pt;"></span></span><span style="left: 20.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2721" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4062">1,887</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 64.14pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.41pt;"></span></span><span style="left: 13.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2693" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4063">38,281</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 41.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.66pt;"></span></span><span style="left: 15.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2694" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4064">29,095</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 87.03999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.69pt;"></span></span><span style="left: 25.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2722" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-4065">951</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 55.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2723" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-4066">643</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.51pt;"></span></span><span style="left: 12.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4067">41,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 40.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438.75pt; position: var(--position); top: 69.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.76pt;"></span></span><span style="left: 14.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4068">31,625</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-4060-1"><div style="font-size: 12pt; line-height: 10.5pt; position: var(--position); top: 495.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 44.47pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.379999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities include an amount of EUR <span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 196.9pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2724" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4069">13</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 234.79pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 239.33pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 257.33000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 277.41999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2725" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4070">21</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 315.30999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">) and the Loans and advances includes EUR <span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 472.08000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2726" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4071">8</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 505.47pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 507.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 42.51pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 60.51pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 80.6pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2727" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4072">1</ix:nonFraction>&#160;million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 113.99pt; position: var(--position); text-decoration: none; white-space: pre;">) of Loan loss provisions.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Exposure to equity securities<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 79.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFairValueOfEachInvestmentInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncomeExplanatory" id="f-4073" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 305.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 440.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 440.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Equity securities designated as at fair value through other comprehensive income<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 27pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 305.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 5.7pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.24pt; position: var(--position); text-decoration: none; white-space: pre;">Carrying <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 16.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.73pt; position: var(--position); text-decoration: none; white-space: pre;">value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 5.7pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.24pt; position: var(--position); text-decoration: none; white-space: pre;">Carrying <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 16.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.73pt; position: var(--position); text-decoration: none; white-space: pre;">value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 5.7pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.62pt; position: var(--position); text-decoration: none; white-space: pre;">Dividend <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 16.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.46pt; position: var(--position); text-decoration: none; white-space: pre;">income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 5.7pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.62pt; position: var(--position); text-decoration: none; white-space: pre;">Dividend <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 16.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.46pt; position: var(--position); text-decoration: none; white-space: pre;">income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 305.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment in Bank of Beijing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2728" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4074">1,590</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2729" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4075">1,614</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2730" decimals="-6" name="ifrs-full:DividendsRecognisedForInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncomeHeldAtEndOfReportingPeriod" scale="6" id="f-4076">98</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2731" decimals="-6" name="ifrs-full:DividendsRecognisedForInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncomeHeldAtEndOfReportingPeriod" scale="6" id="f-4077">111</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other Investments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2732" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-4078">295</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2733" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-4079">273</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2734" decimals="-6" name="ifrs-full:DividendsRecognisedForInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncomeHeldAtEndOfReportingPeriod" scale="6" id="f-4080">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2735" decimals="-6" name="ifrs-full:DividendsRecognisedForInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncomeHeldAtEndOfReportingPeriod" scale="6" id="f-4081">38</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4082">1,885</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4083">1,887</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DividendsRecognisedForInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncomeHeldAtEndOfReportingPeriod" scale="6" id="f-4084">105</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DividendsRecognisedForInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncomeHeldAtEndOfReportingPeriod" scale="6" id="f-4085">149</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 197.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 580.25pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 665.05pt; position: var(--position); text-decoration: none; white-space: pre;"> ING holds approximately <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 780.21pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2730" decimals="2" name="ing:OwnershipInterestHeldInEquityBasedInvestments" scale="-2" id="f-4086">13</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 800.0799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 805.76pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 828.28pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 833.19pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2731" decimals="2" name="ing:OwnershipInterestHeldInEquityBasedInvestments" scale="-2" id="f-4087">13</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 853.06pt; position: var(--position); text-decoration: none; white-space: pre;">)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 856.24pt; position: var(--position); text-decoration: none; white-space: pre;"> of the shares of Bank of Beijing, a bank <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 209.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">listed on the stock exchange of Shanghai. Bank of Beijing stake is part of the Corporate Line segment. As per <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 221.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory requirements set by China Banking and Insurance Regulatory Commission, ING, as a shareholder <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 233.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">holding more than <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 640.74pt; position: var(--position); text-decoration: none; white-space: pre;">5%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 654.98pt; position: var(--position); text-decoration: none; white-space: pre;"> or more of the shares, is required to supply additional capital when necessary. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1009.29pt; position: var(--position); text-decoration: none; white-space: pre;">No<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1021.8399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 245.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">request for additional capital was received in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 757.24pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 779.76pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 785.4399999999999pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 807.96pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 812.87pt; position: var(--position); text-decoration: none; white-space: pre;">nil<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 823.31pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 274.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in fair value through other comprehensive income<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following table presents changes in financial assets at fair value through other comprehensive income.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 307.36pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:SummaryOfChangesInFairValueThroughOtherComprehensiveIncomeFinancialAssetsTableTextBlock" id="f-4088" continuedAt="f-4088-1" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 215.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in fair value through other comprehensive income financial assets<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 23.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 215.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.95pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.39pt; position: var(--position); text-decoration: none; white-space: pre;">FVOCI equity <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 12.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.01pt; position: var(--position); text-decoration: none; white-space: pre;">securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 305.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23pt; position: var(--position); text-decoration: none; white-space: pre;">FVOCI debt <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.84pt; position: var(--position); text-decoration: none; white-space: pre;">instruments <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 68.86pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 67.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 37.5pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 215.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 37.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 37.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 37.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 37.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 37.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 37.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 51.75pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance as at 1 January<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2736" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4089">1,887</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2737" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4090">2,457</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2738" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4091">29,739</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2739" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4092">28,178</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2740" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4093">31,625</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2741" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4094">30,635</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Additions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2742" decimals="-6" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" scale="6" id="f-4095">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2743" decimals="-6" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" scale="6" id="f-4096">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2744" decimals="-6" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4097">19,967</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2745" decimals="-6" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4098">18,789</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2644" decimals="-6" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4099">19,995</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2645" decimals="-6" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4100">18,806</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 80.25pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amortisation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2742" xsi:nil="true" name="ifrs-full:AmortisationExpense" id="f-4101"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2743" xsi:nil="true" name="ifrs-full:AmortisationExpense" id="f-4102"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2744" decimals="-6" sign="-" name="ifrs-full:AmortisationExpense" scale="6" id="f-4103">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2745" decimals="-6" name="ifrs-full:AmortisationExpense" scale="6" id="f-4104">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2644" decimals="-6" sign="-" name="ifrs-full:AmortisationExpense" scale="6" id="f-4105">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2645" decimals="-6" name="ifrs-full:AmortisationExpense" scale="6" id="f-4106">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 94.5pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfers and reclassifications&#160;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 94.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2742" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-4107">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 94.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2743" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-4108">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 94.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2744" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" id="f-4109"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 94.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2745" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" id="f-4110"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 94.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2644" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-4111">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 94.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2645" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersFinancialAssets" scale="6" id="f-4112">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 108.75pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in unrealised revaluations <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 145.09pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 108.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2742" decimals="-6" name="ing:IncreaseDecreaseInUnrealisedRevaluationsFinancialAssets" scale="6" id="f-4113">68</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 108.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2743" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluationsFinancialAssets" scale="6" id="f-4114">65</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 108.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2744" decimals="-6" name="ing:IncreaseDecreaseInUnrealisedRevaluationsFinancialAssets" scale="6" id="f-4115">657</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 108.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2745" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluationsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4116">3,230</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 108.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2644" decimals="-6" name="ing:IncreaseDecreaseInUnrealisedRevaluationsFinancialAssets" scale="6" id="f-4117">725</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 108.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2645" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluationsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4118">3,295</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 123pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Impairments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 123pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2742" xsi:nil="true" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" id="f-4119"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 123pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2743" xsi:nil="true" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" id="f-4120"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 123pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2744" decimals="-6" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" scale="6" id="f-4121">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 123pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2745" xsi:nil="true" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" id="f-4122"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 123pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2644" decimals="-6" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" scale="6" id="f-4123">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 123pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2645" xsi:nil="true" name="ifrs-full:DecreaseThroughWriteoffFinancialAssets" id="f-4124"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 137.25pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Reversals of impairments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 137.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2742" xsi:nil="true" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss" id="f-4125"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 137.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2743" xsi:nil="true" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss" id="f-4126"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 137.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2744" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-4127">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 137.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2745" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-4128">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 137.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2644" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-4129">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 137.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2645" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-4130">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 151.5pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Disposals and redemptions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 151.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2742" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" scale="6" id="f-4131">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 151.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2743" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" scale="6" id="f-4132">492</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 151.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.56pt;"></span></span><span style="left: 11.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2744" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4133">11,912</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 151.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.56pt;"></span></span><span style="left: 11.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2745" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4134">14,034</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 151.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.56pt;"></span></span><span style="left: 11.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2644" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4135">11,913</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 151.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.56pt;"></span></span><span style="left: 11.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2645" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4136">14,526</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 165.75pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 165.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2742" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-4137">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 165.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2743" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-4138">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 165.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2744" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-4139">751</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 165.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2745" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-4140">49</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 165.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2644" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-4141">651</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 165.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2645" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-4142">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 180pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in the composition of the group and other <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">changes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 215.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2742" xsi:nil="true" name="ing:IncreaseDecreaseInCompositionOfGroupAndOtherChanges" id="f-4143"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 260.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2743" xsi:nil="true" name="ing:IncreaseDecreaseInCompositionOfGroupAndOtherChanges" id="f-4144"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 305.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2744" decimals="-6" sign="-" name="ing:IncreaseDecreaseInCompositionOfGroupAndOtherChanges" scale="6" id="f-4145">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 350.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2745" decimals="-6" name="ing:IncreaseDecreaseInCompositionOfGroupAndOtherChanges" scale="6" id="f-4146">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 395.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2644" decimals="-6" sign="-" name="ing:IncreaseDecreaseInCompositionOfGroupAndOtherChanges" scale="6" id="f-4147">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 440.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2645" decimals="-6" name="ing:IncreaseDecreaseInCompositionOfGroupAndOtherChanges" scale="6" id="f-4148">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 204pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 204pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2746" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4149">1,885</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 204pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2736" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4150">1,887</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 204pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2747" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4151">39,231</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 204pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2738" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4152">29,739</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 204pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2748" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4153">41,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 204pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2740" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4154">31,625</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-4088-1" continuedAt="f-4088-2"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 529.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">Fair value through other comprehensive income debt instruments includes both debt securities and loans and advances.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 538.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in unrealised revaluations of FVOCI debt instruments include changes on hedged items which are recognized in the <span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 548.31pt; width: 1080pt;"><ix:continuation id="f-4088-2" continuedAt="f-4088-3"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">statement of profit or loss. Reference is made to <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 736.32pt; position: var(--position); text-decoration: none; white-space: pre;">Note 19 'Equity'<span style="display: inline-block; height: 6pt;"></span></span></ix:continuation><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 793.04pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-4088-3"> for details on the changes in revaluation reserve.</ix:continuation> <span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 267<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-4059-2"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">FVOCI equity securities<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences of EUR<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 187.83pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 190.33pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2749" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4155">100</ix:nonFraction> million<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 243.38pt; position: var(--position); text-decoration: none; white-space: pre;"> (31 December 2022: EUR <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 358.99pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2750" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4156">39</ix:nonFraction> million<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 406.40999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">) are mainly related to the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">stake in Bank of Beijing following the depreciation of CNY versus EUR. Furthermore in 2023, changes in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 105.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">unrealised revaluations of equity securities are mainly related to the revaluation of the stake in Bank of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 117.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Beijing of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 103.57pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2749" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4157">77</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 147.26pt; position: var(--position); text-decoration: none; white-space: pre;"> following changes in share price (31 December 2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 408.53999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2750" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughOtherMovementsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4158">49</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 455.96000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 144.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2022, disposals of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 153.05pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2751" decimals="-6" name="ifrs-full:DecreaseThroughDerecognitionFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4159">492</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 202.37pt; position: var(--position); text-decoration: none; white-space: pre;"> mainly relate to the sale in the second quarter of HQLA eligible equity <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 156.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">instruments triggered by the changing interest rate environment and deteriorating market sentiment. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 168.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio was built up in early 2021 (additions in 2021: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 302.59000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2752" decimals="-6" name="ifrs-full:IncreaseThroughOriginationOrPurchaseFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4160">499</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 351.90999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">) and was a relatively small part of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 180.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">HQLA portfolio. This was a diversified buy-and-hold portfolio aimed at generating stable dividend income <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 192.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">stream.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 221.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">FVOCI debt instruments<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 236.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2022, interest rates in both short and longer tenors increased significantly which resulted in changes in <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">unrealised revaluations of debt securities of<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 234.69pt; position: var(--position); text-decoration: none; white-space: pre;"> EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 257.40999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2753" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluationsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4161">3,230</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 318.5pt; position: var(--position); text-decoration: none; white-space: pre;">. During 2023 interest rates decreased <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">resulting in unrealised revaluations of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 230.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2754" decimals="-6" name="ing:IncreaseDecreaseInUnrealisedRevaluationsFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4162">657</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 279.82pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 291.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 136.95pt; position: var(--position); text-decoration: none; white-space: pre;">Note 6 'Debt securities'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 239.8pt; position: var(--position); text-decoration: none; white-space: pre;"> for details on <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 303.34000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 348.83000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s total exposure to debt securities.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 321.51pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_202"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 321.51pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:SecuritiesAtAmortisedCostExplanatoryTextBlock" id="f-4163" continuedAt="f-4163-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">6&#160;  Debt securities<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4163-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 338.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfSecuritiesAtAmortisedCostsExplanatory" id="f-4164" continuedAt="f-4164-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s exposure to debt securities is included in the following lines in the statement of financial <span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4164-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">position:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 373.11pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Exposure to debt securities<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities at fair value through other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2755" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4165">38,281</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2756" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4166">29,095</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities at amortised cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2757" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4167">48,313</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2758" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4168">48,160</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities at fair value through other comprehensive income and amortised cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2759" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4169">86,594</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2760" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4170">77,255</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Trading assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2761" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4171">6,907</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2762" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4172">4,189</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities at fair value through profit or loss <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 99.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2763" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4173">5,363</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 99.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2764" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4174">6,258</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total debt securities at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 114pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2765" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4175">12,270</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 114pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2766" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4176">10,447</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2693" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4177">98,864</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2694" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4178">87,703</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 534.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s total exposure to debt securities (excluding debt securities held in the trading portfolio) of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 516.76pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><ix:nonNumeric contextRef="c-1" name="ing:DebtSecuritiesByTypeAndBalanceSheetLinesTableTextBlock" id="f-4179" escape="true"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 546.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2767" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4180">91,957</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 102.96000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 108.64pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 193.44pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 218.57pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2768" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4181">83,513</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 281.56pt; position: var(--position); text-decoration: none; white-space: pre;">) is specified as follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 478.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 126pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 478.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 478.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities by type of exposure<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 23.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 126pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.97pt; position: var(--position); text-decoration: none; white-space: pre;">Debt Securities at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 68.31pt; position: var(--position); text-decoration: none; white-space: pre;">FVPL<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 216pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.97pt; position: var(--position); text-decoration: none; white-space: pre;">Debt Securities at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 64.01pt; position: var(--position); text-decoration: none; white-space: pre;">FVOCI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 306pt; position: var(--position); top: 14.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.97pt; position: var(--position); text-decoration: none; white-space: pre;">Debt Securities at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 73.48pt; position: var(--position); text-decoration: none; white-space: pre;">AC<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 393pt; position: var(--position); top: 14.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.75pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 62.8pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 37.5pt; width: 126pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 126pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 126pt; position: var(--position); top: 37.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 171pt; position: var(--position); top: 37.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 37.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 261pt; position: var(--position); top: 37.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 306pt; position: var(--position); top: 37.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 348pt; position: var(--position); top: 37.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 37.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 37.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 51.75pt; width: 126pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 126pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Government bonds<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 126pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2769" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4182">362</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 171pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2770" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4183">63</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2771" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4184">20,988</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 261pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2772" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4185">16,016</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 306pt; position: var(--position); top: 51.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.91pt;"></span></span><span style="left: 11.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2773" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4186">24,050</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 348pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2774" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4187">24,629</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 51.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.66pt;"></span></span><span style="left: 12.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2775" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4188">45,400</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 51.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.66pt;"></span></span><span style="left: 12.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2776" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4189">40,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66pt; width: 126pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 126pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Central bank bonds <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 82.57pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 126pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2777" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4190">446</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 171pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2778" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4191">307</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2779" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-4192"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 261pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2780" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-4193"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 306pt; position: var(--position); top: 66pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2781" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4194">2,043</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 348pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2782" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4195">2,331</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 66pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.72pt;"></span></span><span style="left: 17.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2783" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4196">2,489</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 66pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.72pt;"></span></span><span style="left: 17.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2784" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4197">2,638</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 80.25pt; width: 126pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 126pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Sub-sovereign, <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 126pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Supranationals and Agencies<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 126pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2785" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4198">1,354</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 171pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2786" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4199">2,343</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 216pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2787" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4200">11,587</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 261pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2788" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4201">8,529</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 306pt; position: var(--position); top: 80.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.91pt;"></span></span><span style="left: 11.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2789" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4202">14,639</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 348pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2790" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4203">14,210</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 393pt; position: var(--position); top: 80.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.66pt;"></span></span><span style="left: 12.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2791" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4204">27,580</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 435.75pt; position: var(--position); top: 80.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.66pt;"></span></span><span style="left: 12.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2792" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4205">25,082</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 104.25pt; width: 126pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 126pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Covered bonds<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 126pt; position: var(--position); top: 104.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2793" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-4206"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 171pt; position: var(--position); top: 104.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2794" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-4207"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 104.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2795" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4208">4,084</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 261pt; position: var(--position); top: 104.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2796" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4209">2,663</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 306pt; position: var(--position); top: 104.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2797" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4210">5,231</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 348pt; position: var(--position); top: 104.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2798" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4211">5,543</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 104.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.72pt;"></span></span><span style="left: 17.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2799" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4212">9,315</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 104.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.72pt;"></span></span><span style="left: 17.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2800" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4213">8,206</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 118.5pt; width: 126pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 126pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate bonds<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 126pt; position: var(--position); top: 118.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2801" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4214">799</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 171pt; position: var(--position); top: 118.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2802" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4215">857</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 118.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2803" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4216">127</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 261pt; position: var(--position); top: 118.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2804" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4217">108</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 306pt; position: var(--position); top: 118.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2805" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4218">109</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 348pt; position: var(--position); top: 118.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2806" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4219">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 118.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.72pt;"></span></span><span style="left: 17.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2807" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4220">1,035</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 118.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2808" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4221">991</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 132.75pt; width: 126pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 126pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial institutions' bonds<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 126pt; position: var(--position); top: 132.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2809" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4222">1,645</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 171pt; position: var(--position); top: 132.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2810" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4223">1,931</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 132.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2811" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4224">483</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 261pt; position: var(--position); top: 132.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2812" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4225">772</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 306pt; position: var(--position); top: 132.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2813" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4226">186</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 348pt; position: var(--position); top: 132.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2814" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4227">220</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 132.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.72pt;"></span></span><span style="left: 17.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2815" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4228">2,314</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 132.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.72pt;"></span></span><span style="left: 17.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2816" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4229">2,923</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 147pt; width: 126pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 126pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ABS portfolio<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 126pt; position: var(--position); top: 147pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2817" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4230">758</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 171pt; position: var(--position); top: 147pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2818" decimals="-6" name="ifrs-full:FinancialAssets" scale="6" id="f-4231">758</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 147pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2819" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4232">1,025</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 261pt; position: var(--position); top: 147pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2820" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4233">1,028</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 306pt; position: var(--position); top: 147pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2821" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4234">2,077</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 348pt; position: var(--position); top: 147pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2822" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4235">1,217</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 147pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.72pt;"></span></span><span style="left: 17.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2823" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4236">3,860</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 147pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.72pt;"></span></span><span style="left: 17.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2824" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4237">3,003</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 126pt; position: var(--position); top: 161.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2825" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4238">5,363</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 171pt; position: var(--position); top: 161.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2826" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4239">6,258</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 161.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2827" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4240">38,293</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 261pt; position: var(--position); top: 161.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2828" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4241">29,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 306pt; position: var(--position); top: 161.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.01pt;"></span></span><span style="left: 10.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2829" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4242">48,335</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 348pt; position: var(--position); top: 161.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2830" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4243">48,177</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 161.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.76pt;"></span></span><span style="left: 11.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2831" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4244">91,991</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 161.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.76pt;"></span></span><span style="left: 11.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2832" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4245">83,551</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 175.5pt; width: 126pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 126pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loan loss provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-2833" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-4246"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-2834" xsi:nil="true" name="ifrs-full:FinancialAssets" id="f-4247"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 175.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2724" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-4248">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 261pt; position: var(--position); top: 175.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2725" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-4249">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 306pt; position: var(--position); top: 175.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2835" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-4250">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 348pt; position: var(--position); top: 175.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2836" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-4251">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 175.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2837" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-4252">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 175.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2838" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" scale="6" id="f-4253">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 189.75pt; width: 126pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 126pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities portfolio<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 126pt; position: var(--position); top: 189.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2839" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4254">5,363</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 171pt; position: var(--position); top: 189.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2840" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4255">6,258</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 216pt; position: var(--position); top: 189.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2841" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4256">38,281</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 261pt; position: var(--position); top: 189.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2842" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4257">29,095</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 306pt; position: var(--position); top: 189.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.01pt;"></span></span><span style="left: 10.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2843" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4258">48,313</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 348pt; position: var(--position); top: 189.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2844" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4259">48,160</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 393pt; position: var(--position); top: 189.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.76pt;"></span></span><span style="left: 11.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2767" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4260">91,957</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 189.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.76pt;"></span></span><span style="left: 11.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2768" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4261">83,513</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 273.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023 Central bank bonds have been included as a separate type of exposure. These bonds were previously included in Financial <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 283.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">Institutions bonds. The prior period has been updated for consistency and comparability.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:nonNumeric></ix:continuation><div style="position: absolute; top: 311.11pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_205"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 311.11pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory" id="f-4262" continuedAt="f-4262-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">7&#160;  Loans and advances to customers<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4262-1" continuedAt="f-4262-2"><div style="position: var(--position); top: 327.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfLoansAndAdvancesToCustomersByTypeExplanatory" id="f-4263" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 470.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 200.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 470.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 470.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers by type <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 200.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.05pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 290.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of the world<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 380.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 67.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 200.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 200.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 200.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 245.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 380.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 200.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 200.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to public authorities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 200.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2845" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4264">1,070</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 245.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2846" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-4265">837</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2847" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4266">13,314</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2848" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4267">11,840</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 380.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2849" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4268">14,384</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2850" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4269">12,677</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 200.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 200.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Residential mortgages<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 200.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2851" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4270">112,145</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 245.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2852" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4271">110,017</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2853" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4272">217,361</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2854" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4273">212,833</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 380.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2855" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4274">329,506</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2856" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4275">322,850</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 200.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 200.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other personal lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 200.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2857" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4276">5,036</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 245.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2858" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4277">5,835</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2859" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4278">31,535</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2860" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4279">30,345</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 380.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2861" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4280">36,571</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2862" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4281">36,180</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 200.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 200.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 200.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2863" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4282">62,677</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 245.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2864" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4283">68,077</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2865" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4284">209,795</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2866" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4285">211,092</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 380.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2867" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4286">272,472</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2868" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4287">279,169</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 200.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2869" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4288">180,928</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 245.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2870" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4289">184,766</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2871" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4290">472,005</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2872" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4291">466,111</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 380.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2873" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4292">652,933</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2874" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4293">650,876</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 128.25pt; width: 200.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 200.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loan loss provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 200.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2875" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-4294">830</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 245.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2876" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesToCustomers" scale="6" id="f-4295">993</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2877" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4296">4,791</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2878" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4297">4,990</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 380.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2879" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4298">5,621</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2880" decimals="-6" sign="-" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4299">5,984</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 200.25pt; position: var(--position); top: 142.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4300">180,099</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 245.25pt; position: var(--position); top: 142.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4301">183,772</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 290.25pt; position: var(--position); top: 142.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2669" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4302">467,214</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 142.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2670" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4303">461,120</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 380.25pt; position: var(--position); top: 142.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4304">647,313</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 142.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4305">644,893</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For details on credit quality and loan loss provisioning, refer to &#8216;Risk management &#8211; Credit risk&#8217; paragraphs <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Credit quality&#8217; and 'Loan loss provisioning'.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 268<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-4262-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As at 31&#160;December 2023 EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 172.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2881" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4306">647,120</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 241.34pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 247.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 269.53999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 294.66999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2882" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4307">644,697</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 363.28999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">) of loans and advances to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customers are non-subordinated.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfFinanceLeaseReceivableByLessorExplanatory" id="f-4308" continuedAt="f-4308-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers and to banks include finance lease receivables and are detailed as <span style="display: inline-block; height: 7.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4308-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 142.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Finance lease receivables <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ffffff; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 126.05pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Maturities of gross investment in finance lease receivables<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">-&#160; within 1 year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2883" decimals="-6" name="ifrs-full:FinanceLeaseReceivables" format="ixt:num-dot-decimal" scale="6" id="f-4309">3,827</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2884" decimals="-6" name="ifrs-full:FinanceLeaseReceivables" format="ixt:num-dot-decimal" scale="6" id="f-4310">3,452</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">-&#160; between 1-2 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2885" decimals="-6" name="ifrs-full:FinanceLeaseReceivables" format="ixt:num-dot-decimal" scale="6" id="f-4311">2,742</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2886" decimals="-6" name="ifrs-full:FinanceLeaseReceivables" format="ixt:num-dot-decimal" scale="6" id="f-4312">2,463</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">-&#160; between 2-3 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2887" decimals="-6" name="ifrs-full:FinanceLeaseReceivables" format="ixt:num-dot-decimal" scale="6" id="f-4313">2,133</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2888" decimals="-6" name="ifrs-full:FinanceLeaseReceivables" format="ixt:num-dot-decimal" scale="6" id="f-4314">1,870</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">-&#160; between 3-4 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2889" decimals="-6" name="ifrs-full:FinanceLeaseReceivables" format="ixt:num-dot-decimal" scale="6" id="f-4315">1,475</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2890" decimals="-6" name="ifrs-full:FinanceLeaseReceivables" format="ixt:num-dot-decimal" scale="6" id="f-4316">1,294</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">-&#160; between 4-5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2891" decimals="-6" name="ifrs-full:FinanceLeaseReceivables" scale="6" id="f-4317">875</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2892" decimals="-6" name="ifrs-full:FinanceLeaseReceivables" scale="6" id="f-4318">747</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 103.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">-&#160; more than 5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:FinanceLeaseReceivables" format="ixt:num-dot-decimal" scale="6" id="f-4319">1,451</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:FinanceLeaseReceivables" format="ixt:num-dot-decimal" scale="6" id="f-4320">1,423</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinanceLeaseReceivables" format="ixt:num-dot-decimal" scale="6" id="f-4321">12,503</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinanceLeaseReceivables" format="ixt:num-dot-decimal" scale="6" id="f-4322">11,251</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 141.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unearned future finance income on finance leases<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 141.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" format="ixt:num-dot-decimal" scale="6" id="f-4323">1,040</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 141.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:UndiscountedFinanceLeasePaymentsToBeReceived" scale="6" id="f-4324">792</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 154.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net investment in finance leases<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:NetInvestmentInFinanceLease" format="ixt:num-dot-decimal" scale="6" id="f-4325">11,463</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:NetInvestmentInFinanceLease" format="ixt:num-dot-decimal" scale="6" id="f-4326">10,459</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 180pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Included in Loans and advances to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2895" decimals="-6" name="ifrs-full:NetInvestmentInFinanceLease" scale="6" id="f-4327">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2896" decimals="-6" name="ifrs-full:NetInvestmentInFinanceLease" scale="6" id="f-4328">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 192.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Included in Loans and advances to customers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 192.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2897" decimals="-6" name="ifrs-full:NetInvestmentInFinanceLease" format="ixt:num-dot-decimal" scale="6" id="f-4329">11,459</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 192.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2898" decimals="-6" name="ifrs-full:NetInvestmentInFinanceLease" format="ixt:num-dot-decimal" scale="6" id="f-4330">10,453</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 205.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:NetInvestmentInFinanceLease" format="ixt:num-dot-decimal" scale="6" id="f-4331">11,463</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 205.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:NetInvestmentInFinanceLease" format="ixt:num-dot-decimal" scale="6" id="f-4332">10,459</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 366.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">The total loan loss provision of EUR<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 171.36pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 173.36pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2899" decimals="-6" name="ing:AllowanceForFinanceLeaseReceivablesIncludedInLoanLossProvisions" format="ixt:num-dot-decimal" scale="6" id="f-4333">160</ix:nonFraction> million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 212.77pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 217.31pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 235.31pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR&#160;<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 255.4pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2900" decimals="-6" name="ing:AllowanceForFinanceLeaseReceivablesIncludedInLoanLossProvisions" format="ixt:num-dot-decimal" scale="6" id="f-4334">160</ix:nonFraction> million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 294.81pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 299.35pt; position: var(--position); text-decoration: none; white-space: pre;">for finance lease receivables is classified into the following loan <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 375.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">loss provision stages: <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 124.13pt; position: var(--position); text-decoration: none; white-space: pre;">Stage 1: EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 171.07pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2901" decimals="-6" name="ing:AllowanceForFinanceLeaseReceivablesIncludedInLoanLossProvisions" format="ixt:num-dot-decimal" scale="6" id="f-4335">6</ix:nonFraction> million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 201.48pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 206.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 224.02pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 244.11pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2902" decimals="-6" name="ing:AllowanceForFinanceLeaseReceivablesIncludedInLoanLossProvisions" format="ixt:num-dot-decimal" scale="6" id="f-4336">9</ix:nonFraction> million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 274.52pt; position: var(--position); text-decoration: none; white-space: pre;">), Stage 2: EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 327.92pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2903" decimals="-6" name="ing:AllowanceForFinanceLeaseReceivablesIncludedInLoanLossProvisions" format="ixt:num-dot-decimal" scale="6" id="f-4337">14</ix:nonFraction> million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 362.83pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 367.37pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 385.37pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 405.46pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2904" decimals="-6" name="ing:AllowanceForFinanceLeaseReceivablesIncludedInLoanLossProvisions" format="ixt:num-dot-decimal" scale="6" id="f-4338">28</ix:nonFraction> million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 440.37pt; position: var(--position); text-decoration: none; white-space: pre;">) and Stage 3: EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 507.62pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2905" decimals="-6" name="ing:AllowanceForFinanceLeaseReceivablesIncludedInLoanLossProvisions" format="ixt:num-dot-decimal" scale="6" id="f-4339">139</ix:nonFraction> <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 385.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 70.97pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 75.51pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 93.51pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 113.60000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2906" decimals="-6" name="ing:AllowanceForFinanceLeaseReceivablesIncludedInLoanLossProvisions" format="ixt:num-dot-decimal" scale="6" id="f-4340">123</ix:nonFraction> million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 153.01pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 409.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The finance lease receivables mainly relate to the financing of equipment and real estate and are mainly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 421.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">part of corporate lending. To a lesser extent, the finance lease receivables relate to real estate for third <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 433.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">parties, where ING is the lessor. Interest income in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 265.33000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 287.85pt; position: var(--position); text-decoration: none; white-space: pre;"> on finance lease receivables amounts to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 493.03999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2899" decimals="-6" name="ifrs-full:InterestIncomeOnLoansAndReceivables" format="ixt:num-dot-decimal" scale="6" id="f-4341">429</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 445.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.9pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 75.58pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 98.1pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 123.23pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2900" decimals="-6" name="ifrs-full:InterestIncomeOnLoansAndReceivables" format="ixt:num-dot-decimal" scale="6" id="f-4342">292</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 172.55pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_208"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory" id="f-4343" continuedAt="f-4343-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">8&#160;  Investment in associates and joint ventures<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4343-1" continuedAt="f-4343-2"><div style="position: var(--position); top: 81.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureInInvestmentsInAssociatesAndJointVenturesExplanatoryTableTextBlock" id="f-4344" continuedAt="f-4344-1" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 194.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="8" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Investments in associates and joint ventures<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 46.5pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 46.5pt; left: 0pt; position: var(--position); top: 14.25pt; width: 194.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 25.2pt; width: 194.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 36pt; width: 194.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 46.5pt; left: 194.25pt; position: var(--position); top: 14.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 25.2pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 36pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">held (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 46.5pt; left: 234.75pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.6pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fair value <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.4pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">of listed <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 25.2pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">invest-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 36pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 46.5pt; left: 279.75pt; position: var(--position); top: 14.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.4pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 25.2pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">sheet <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 36pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 46.5pt; left: 320.25pt; position: var(--position); top: 14.25pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 25.2pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 36pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 46.5pt; left: 359.25pt; position: var(--position); top: 14.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 25.2pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 36pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 46.5pt; left: 399.75pt; position: var(--position); top: 14.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 25.2pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 36pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 46.5pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 25.2pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 36pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 60.75pt; width: 194.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 194.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">TMBThanachart Bank Public Company Limited<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 194.25pt; position: var(--position); top: 60.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 21.89pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 21.89pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2907" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInAssociate" scale="-2" id="f-4345">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.01pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 234.75pt; position: var(--position); top: 60.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2908" decimals="-6" name="ing:FairValueOfListedInvestment" scale="6" id="f-4346">976</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 60.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.47pt;"></span></span><span style="left: 15.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2908" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-4347">1,128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 37.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 60.75pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.91pt;"></span></span><span style="left: 8.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2908" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-4348">46,666</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 359.25pt; position: var(--position); top: 60.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.41pt;"></span></span><span style="left: 10.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2908" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-4349">40,776</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 37.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399.75pt; position: var(--position); top: 60.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.47pt;"></span></span><span style="left: 15.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2907" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-4350">1,386</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 37.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 60.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2907" decimals="-6" name="ifrs-full:OperatingExpense" scale="6" id="f-4351">943</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 73.5pt; width: 194.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 194.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other investments in associates and joint <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 194.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ventures<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 279.75pt; position: var(--position); top: 73.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.69pt;"></span></span><span style="left: 22.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2909" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="f-4352">381</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 37.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279.75pt; position: var(--position); top: 97.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.75pt;"></span></span><span style="left: 14.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-4353">1,509</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 37.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-4344-1"><div style="position: var(--position); top: 204.46pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 194.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="8" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Investments in associates and joint ventures<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 45.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 194.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 194.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 35.25pt; width: 194.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 194.25pt; position: var(--position); top: 14.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">held (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 234.75pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.85pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fair value <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">of listed <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">invest- <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 279.75pt; position: var(--position); top: 14.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">sheet <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 320.25pt; position: var(--position); top: 14.25pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 359.25pt; position: var(--position); top: 14.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 399.75pt; position: var(--position); top: 14.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 60pt; width: 194.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 194.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">TMBThanachart Bank Public Company Limited<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 194.25pt; position: var(--position); top: 60pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 21.89pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 21.89pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2910" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInAssociate" scale="-2" id="f-4354">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.01pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 234.75pt; position: var(--position); top: 60pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2911" decimals="-6" name="ing:FairValueOfListedInvestment" scale="6" id="f-4355">849</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 60pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.47pt;"></span></span><span style="left: 15.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2911" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-4356">1,109</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 37.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 320.25pt; position: var(--position); top: 60pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.91pt;"></span></span><span style="left: 8.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2911" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-4357">49,506</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 359.25pt; position: var(--position); top: 60pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.41pt;"></span></span><span style="left: 10.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2911" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-4358">43,677</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 37.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399.75pt; position: var(--position); top: 60pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.47pt;"></span></span><span style="left: 15.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2910" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-4359">1,303</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 37.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 60pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2910" decimals="-6" name="ifrs-full:OperatingExpense" scale="6" id="f-4360">957</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 72.75pt; width: 194.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 194.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other investments in associates and joint <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 194.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ventures<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 279.75pt; position: var(--position); top: 72.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.69pt;"></span></span><span style="left: 22.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2912" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" scale="6" id="f-4361">391</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 37.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279.75pt; position: var(--position); top: 96.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.75pt;"></span></span><span style="left: 14.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-4362">1,500</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 37.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 335.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">TMBThanachart Bank Public Company Limited<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 347.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 600.51pt; position: var(--position); text-decoration: none; white-space: pre;"> has a<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 627.12pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 629.62pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2907" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInAssociate" scale="-2" id="f-4363">23</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 649.49pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 651.99pt; position: var(--position); text-decoration: none; white-space: pre;">investment in TMBThanachart Bank Public Company Limited (hereafter: TTB), a bank <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 359.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">listed on the Stock Exchange of Thailand. TTB is providing products and services to Wholesale, Small and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 371.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Medium Enterprise (SME), and Retail customers. TTB is accounted for as an investment in associate based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 383.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the size of ING shareholding and representation on the Board. TTB is part of the Corporate Line segment.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 410.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other investments in associates and joint ventures<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 422.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Included in Other investments in associates and joint ventures are mainly financial services and (non) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 434.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial technology funds or vehicles operating predominantly in Europe, and represents a number of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 446.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">associates and joint ventures that are individually not significant to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 857.49pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 902.98pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 473.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Significant influence for associates in which the interest held is below 20%, is based on the combination of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 485.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group&#8217;s financial interest and other arrangements, such as participation in the Board of Directors.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 512.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The associates and joint ventures of ING are subject to legal and regulatory restrictions regarding the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 524.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">amount of dividends they can pay to ING. These restrictions are for example dependent on the laws in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 536.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">country of incorporation for declaring dividends or as a result of minimum capital requirements that are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 548.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">imposed by industry regulators in the countries in which the associates and joint ventures operate. <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 269<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-4343-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, the associates and joint ventures also consider other factors in determining the appropriate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">levels of equity needed. These factors and limitations include, but are not limited to, rating agency and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regulatory views, which can change over time.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 115.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfChangeInInvestmentsInAssociatesAndJointVenturesExplanatory" id="f-4364" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in Investments in associates and joint ventures<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance as at 1 January<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2913" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-4365">1,500</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2914" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-4366">1,587</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Additions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2915" decimals="-6" name="ing:AdditionsInInvestmentsInAssociatesAndJointVentures" scale="6" id="f-4367">55</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2916" decimals="-6" name="ing:AdditionsInInvestmentsInAssociatesAndJointVentures" scale="6" id="f-4368">48</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Revaluations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2915" decimals="-6" name="ing:RevaluationIncreaseDecreaseInvestmentsInAssociatesAndJointVentures" scale="6" id="f-4369">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2916" decimals="-6" sign="-" name="ing:RevaluationIncreaseDecreaseInvestmentsInAssociatesAndJointVentures" scale="6" id="f-4370">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share of results<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2915" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-4371">149</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2916" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" scale="6" id="f-4372">92</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividends received<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2915" decimals="-6" name="ing:DecreaseInInvestmentsInSubsidiariesJointVenturesAndAssociatesFromDividendsReceived" scale="6" id="f-4373">74</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2916" decimals="-6" name="ing:DecreaseInInvestmentsInSubsidiariesJointVenturesAndAssociatesFromDividendsReceived" scale="6" id="f-4374">48</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Disposals<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2915" decimals="-6" name="ing:DisposalsOfInvestmentsInAssociatesAndJointVentures" scale="6" id="f-4375">89</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2916" decimals="-6" name="ing:DisposalsOfInvestmentsInAssociatesAndJointVentures" scale="6" id="f-4376">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 103.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Impairments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2915" decimals="-6" name="ing:ImpairmentLossOfInvestmentsInAssociatesAndJointVentures" scale="6" id="f-4377">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2916" decimals="-6" name="ing:ImpairmentLossOfInvestmentsInAssociatesAndJointVentures" scale="6" id="f-4378">192</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 116.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2915" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-4379">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2916" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughForeignExchangeFinancialAssets" scale="6" id="f-4380">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #c4c4c4; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 129pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #ababab; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2915" xsi:nil="true" name="ing:OtherChangesInInvestmentsAccountedForUsingEquityMethod" id="f-4381"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #ababab; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2916" decimals="-6" name="ing:OtherChangesInInvestmentsAccountedForUsingEquityMethod" scale="6" id="f-4382">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ababab; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 141.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #ababab; border-top: 1.5pt solid #ababab; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 141.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2917" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-4383">1,509</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #ababab; border-top: 1.5pt solid #ababab; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 141.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2913" decimals="-6" name="ifrs-full:InvestmentsInSubsidiariesJointVenturesAndAssociates" format="ixt:num-dot-decimal" scale="6" id="f-4384">1,500</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 290.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Share of results from associates and joint ventures of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 300.17999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2915" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-4385">149</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 349.5pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 352pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 355.17999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 377.70000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 402.83000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2916" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-4386">92</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 446.52pt; position: var(--position); text-decoration: none; white-space: pre;">) as included in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 302.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the table above is mainly attributable to results of TTB of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 315.69000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2918" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-4387">107</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 365.01pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 370.69000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 393.21000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 418.34000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2919" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" format="ixt:num-dot-decimal" scale="6" id="f-4388">81</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 462.03pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 329.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Impairments and reversal thereof<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 341.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Out of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 90.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2916" decimals="-6" name="ing:ImpairmentLossOfInvestmentsInAssociatesAndJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-4389">192</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 139.82pt; position: var(--position); text-decoration: none; white-space: pre;"> total impairment losses in 2022, EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 308.64pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2920" decimals="-6" name="ifrs-full:ImpairmentLoss" format="ixt:num-dot-decimal" scale="6" id="f-4390">165</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 357.96000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> related to TTB.&#160; As per 31 December <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 353.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023 there were no triggers for additional impairment of TTB. Equally, indicators that would support a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 365.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">potential reversal of previous impairment losses on TTB were not yet consistently observed during 2023. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 377.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Accumulated impairments of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 193.54pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2921" decimals="-6" name="ing:AccumulatedImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-4391">395</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 242.85999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.19000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2922" decimals="-6" name="ing:AccumulatedImpairmentLosses" format="ixt:num-dot-decimal" scale="6" id="f-4392">395</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 345.51pt; position: var(--position); text-decoration: none; white-space: pre;">) have been recognised.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_211"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory" id="f-4393" continuedAt="f-4393-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">9&#160;  Property and equipment<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4393-1" continuedAt="f-4393-2"><div style="position: var(--position); top: 81.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfPropertyPlantAndEquipmentByTypeExplanatoryTableTextBlock" id="f-4394" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 395.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 395.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Property and equipment by type<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Property in own use<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2923" decimals="-6" name="ifrs-full:PropertyPlantAndEquipment" scale="6" id="f-4395">616</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2924" decimals="-6" name="ifrs-full:PropertyPlantAndEquipment" scale="6" id="f-4396">681</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equipment:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Data processing equipment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2925" decimals="-6" name="ifrs-full:PropertyPlantAndEquipment" scale="6" id="f-4397">213</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2926" decimals="-6" name="ifrs-full:PropertyPlantAndEquipment" scale="6" id="f-4398">213</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Other equipment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2927" decimals="-6" name="ifrs-full:PropertyPlantAndEquipment" scale="6" id="f-4399">492</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2928" decimals="-6" name="ifrs-full:PropertyPlantAndEquipment" scale="6" id="f-4400">476</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Right- of- use assets:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- ROU property<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2923" decimals="-6" name="ifrs-full:RightofuseAssets" scale="6" id="f-4401">972</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2924" decimals="-6" name="ifrs-full:RightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4402">1,000</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 103.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- ROU cars<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2929" decimals="-6" name="ifrs-full:RightofuseAssets" scale="6" id="f-4403">97</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2930" decimals="-6" name="ifrs-full:RightofuseAssets" scale="6" id="f-4404">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 116.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- ROU other leases<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2931" decimals="-6" name="ifrs-full:RightofuseAssets" scale="6" id="f-4405">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2932" decimals="-6" name="ifrs-full:RightofuseAssets" scale="6" id="f-4406">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4407">2,399</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4408">2,446</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="position: var(--position); top: 243.46pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory" id="f-4409" continuedAt="f-4409-1" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 140.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in property and equipment<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 140.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.94pt; position: var(--position); text-decoration: none; white-space: pre;">Property in own use<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 14.25pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.08pt; position: var(--position); text-decoration: none; white-space: pre;">Equipment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 314.25pt; position: var(--position); top: 14.25pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.24pt; position: var(--position); text-decoration: none; white-space: pre;">Right-of-use assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 398.25pt; position: var(--position); top: 14.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.09pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 28.5pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 140.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 230.25pt; position: var(--position); top: 28.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 272.25pt; position: var(--position); top: 28.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 28.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 28.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 398.25pt; position: var(--position); top: 28.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 41.25pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance as at 1 January<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2924" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4410">681</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2933" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4411">702</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 230.25pt; position: var(--position); top: 41.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2934" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4412">688</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 272.25pt; position: var(--position); top: 41.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2935" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4413">699</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 41.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2936" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4414">1,076</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 41.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2937" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4415">1,113</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 398.25pt; position: var(--position); top: 41.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4416">2,446</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4417">2,515</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 54pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Additions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2938" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsPropertyPlantAndEquipment" scale="6" id="f-4418">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2939" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsPropertyPlantAndEquipment" scale="6" id="f-4419">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 230.25pt; position: var(--position); top: 54pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2940" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsPropertyPlantAndEquipment" scale="6" id="f-4420">241</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 272.25pt; position: var(--position); top: 54pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2941" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsPropertyPlantAndEquipment" scale="6" id="f-4421">229</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 54pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2942" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsPropertyPlantAndEquipment" scale="6" id="f-4422">279</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 54pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2943" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsPropertyPlantAndEquipment" scale="6" id="f-4423">173</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 398.25pt; position: var(--position); top: 54pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsPropertyPlantAndEquipment" scale="6" id="f-4424">525</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsPropertyPlantAndEquipment" scale="6" id="f-4425">404</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 66.75pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2938" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughTransfersFromToOtherAssets" scale="6" id="f-4426">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2939" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughTransfersFromToOtherAssets" scale="6" id="f-4427">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 230.25pt; position: var(--position); top: 66.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.96pt;"></span></span><span style="left: 30.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2940" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughTransfersFromToOtherAssets" scale="6" id="f-4428">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 272.25pt; position: var(--position); top: 66.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.96pt;"></span></span><span style="left: 30.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2941" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughTransfersFromToOtherAssets" scale="6" id="f-4429">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 66.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.96pt;"></span></span><span style="left: 30.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2942" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughTransfersFromToOtherAssets" scale="6" id="f-4430">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 66.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.96pt;"></span></span><span style="left: 30.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2943" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughTransfersFromToOtherAssets" scale="6" id="f-4431">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 398.25pt; position: var(--position); top: 66.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.21pt;"></span></span><span style="left: 29.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughTransfersFromToOtherAssets" scale="6" id="f-4432">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughTransfersFromToOtherAssets" scale="6" id="f-4433">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 79.5pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Depreciation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 79.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2938" decimals="-6" name="ifrs-full:DepreciationExpense" scale="6" id="f-4434">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 79.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2939" decimals="-6" name="ifrs-full:DepreciationExpense" scale="6" id="f-4435">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 230.25pt; position: var(--position); top: 79.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.84pt;"></span></span><span style="left: 20.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2940" decimals="-6" name="ifrs-full:DepreciationExpense" scale="6" id="f-4436">204</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 272.25pt; position: var(--position); top: 79.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.84pt;"></span></span><span style="left: 20.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2941" decimals="-6" name="ifrs-full:DepreciationExpense" scale="6" id="f-4437">220</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 79.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.84pt;"></span></span><span style="left: 20.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2942" decimals="-6" name="ifrs-full:DepreciationExpense" scale="6" id="f-4438">246</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 79.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.84pt;"></span></span><span style="left: 20.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2943" decimals="-6" name="ifrs-full:DepreciationExpense" scale="6" id="f-4439">252</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 398.25pt; position: var(--position); top: 79.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DepreciationExpense" scale="6" id="f-4440">461</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 79.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DepreciationExpense" scale="6" id="f-4441">485</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 92.25pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Impairments<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 54.27pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 92.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2938" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-4442">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 92.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2939" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-4443">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 230.25pt; position: var(--position); top: 92.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2940" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-4444">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 272.25pt; position: var(--position); top: 92.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2941" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-4445">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 92.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2942" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-4446">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 92.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.96pt;"></span></span><span style="left: 30.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2943" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-4447">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 398.25pt; position: var(--position); top: 92.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.15pt;"></span></span><span style="left: 24.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-4448">41</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 92.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-4449">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 105pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Reversals of impairments <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 106.44999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 105pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2938" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4450">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 105pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2939" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4451">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 230.25pt; position: var(--position); top: 105pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.37pt;"></span></span><span style="left: 39pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2940" xsi:nil="true" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" id="f-4452"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 272.25pt; position: var(--position); top: 105pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.37pt;"></span></span><span style="left: 39pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2941" xsi:nil="true" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" id="f-4453"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 105pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.37pt;"></span></span><span style="left: 39pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2942" xsi:nil="true" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" id="f-4454"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 105pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.37pt;"></span></span><span style="left: 39pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2943" xsi:nil="true" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" id="f-4455"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 398.25pt; position: var(--position); top: 105pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.5pt;"></span></span><span style="left: 28.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4456">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 105pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment" scale="6" id="f-4457">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 117.75pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remeasurements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 117.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2938" decimals="-6" name="ing:PropertyPlantAndEquipmentRemeasurement" scale="6" id="f-4458">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 117.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2939" decimals="-6" name="ing:PropertyPlantAndEquipmentRemeasurement" scale="6" id="f-4459">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 230.25pt; position: var(--position); top: 117.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.37pt;"></span></span><span style="left: 39pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2940" xsi:nil="true" name="ing:PropertyPlantAndEquipmentRemeasurement" id="f-4460"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 272.25pt; position: var(--position); top: 117.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.37pt;"></span></span><span style="left: 39pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2941" xsi:nil="true" name="ing:PropertyPlantAndEquipmentRemeasurement" id="f-4461"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 117.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.31pt;"></span></span><span style="left: 33.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2942" decimals="-6" name="ing:PropertyPlantAndEquipmentRemeasurement" scale="6" id="f-4462">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 117.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.25pt;"></span></span><span style="left: 28.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2943" decimals="-6" name="ing:PropertyPlantAndEquipmentRemeasurement" scale="6" id="f-4463">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 398.25pt; position: var(--position); top: 117.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.5pt;"></span></span><span style="left: 28.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:PropertyPlantAndEquipmentRemeasurement" scale="6" id="f-4464">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 117.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:PropertyPlantAndEquipmentRemeasurement" scale="6" id="f-4465">81</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 130.5pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Disposals<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 130.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2938" decimals="-6" name="ifrs-full:DisposalsPropertyPlantAndEquipment" scale="6" id="f-4466">47</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 130.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2939" decimals="-6" name="ifrs-full:DisposalsPropertyPlantAndEquipment" scale="6" id="f-4467">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 230.25pt; position: var(--position); top: 130.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2940" decimals="-6" name="ifrs-full:DisposalsPropertyPlantAndEquipment" scale="6" id="f-4468">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 272.25pt; position: var(--position); top: 130.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2941" decimals="-6" name="ifrs-full:DisposalsPropertyPlantAndEquipment" scale="6" id="f-4469">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 130.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2942" decimals="-6" name="ifrs-full:DisposalsPropertyPlantAndEquipment" scale="6" id="f-4470">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 130.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2943" decimals="-6" name="ifrs-full:DisposalsPropertyPlantAndEquipment" scale="6" id="f-4471">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 398.25pt; position: var(--position); top: 130.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.15pt;"></span></span><span style="left: 24.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DisposalsPropertyPlantAndEquipment" scale="6" id="f-4472">78</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 130.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DisposalsPropertyPlantAndEquipment" scale="6" id="f-4473">98</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 143.25pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2938" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesPropertyPlantAndEquipment" scale="6" id="f-4474">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2939" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesPropertyPlantAndEquipment" scale="6" id="f-4475">36</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 230.25pt; position: var(--position); top: 143.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.31pt;"></span></span><span style="left: 33.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2940" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesPropertyPlantAndEquipment" scale="6" id="f-4476">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 272.25pt; position: var(--position); top: 143.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.25pt;"></span></span><span style="left: 28.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2941" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesPropertyPlantAndEquipment" scale="6" id="f-4477">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 143.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.96pt;"></span></span><span style="left: 30.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2942" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesPropertyPlantAndEquipment" scale="6" id="f-4478">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 143.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.31pt;"></span></span><span style="left: 33.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2943" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesPropertyPlantAndEquipment" scale="6" id="f-4479">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 398.25pt; position: var(--position); top: 143.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.21pt;"></span></span><span style="left: 29.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesPropertyPlantAndEquipment" scale="6" id="f-4480">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesPropertyPlantAndEquipment" scale="6" id="f-4481">52</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 156pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 156pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2923" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4482">616</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 156pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2924" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4483">681</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 230.25pt; position: var(--position); top: 156pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.65pt;"></span></span><span style="left: 23.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2944" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4484">705</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 272.25pt; position: var(--position); top: 156pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.65pt;"></span></span><span style="left: 23.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2934" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4485">688</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 156pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.25pt;"></span></span><span style="left: 15.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2945" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4486">1,078</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 156pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.25pt;"></span></span><span style="left: 15.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2936" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4487">1,076</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 398.25pt; position: var(--position); top: 156pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.5pt;"></span></span><span style="left: 15.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4488">2,399</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 38.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 156pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4489">2,446</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 181.5pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cost price<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 140.25pt; position: var(--position); top: 181.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2946" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4490">753</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 185.25pt; position: var(--position); top: 181.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2947" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4491">847</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 181.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2948" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4492">3,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 272.25pt; position: var(--position); top: 181.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2949" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4493">3,554</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 314.25pt; position: var(--position); top: 181.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2950" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4494">1,851</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 356.25pt; position: var(--position); top: 181.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2951" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4495">1,680</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 398.25pt; position: var(--position); top: 181.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2873" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4496">5,744</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 181.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2874" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4497">6,081</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 195.75pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Accumulated depreciation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 140.25pt; position: var(--position); top: 195.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2952" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4498">305</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 185.25pt; position: var(--position); top: 195.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2953" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4499">362</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 195.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.62pt;"></span></span><span style="left: 13.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2954" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4500">2,430</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 272.25pt; position: var(--position); top: 195.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.62pt;"></span></span><span style="left: 13.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2955" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4501">2,853</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 314.25pt; position: var(--position); top: 195.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.84pt;"></span></span><span style="left: 20.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2956" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4502">904</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 356.25pt; position: var(--position); top: 195.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.84pt;"></span></span><span style="left: 20.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2957" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4503">714</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 398.25pt; position: var(--position); top: 195.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.87pt;"></span></span><span style="left: 12.5pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2958" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4504">3,639</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 195.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2959" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4505">3,929</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 210pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Accumulated impairments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 140.25pt; position: var(--position); top: 210pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2960" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4506">99</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 185.25pt; position: var(--position); top: 210pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2961" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4507">107</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 210pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.96pt;"></span></span><span style="left: 30.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2962" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4508">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 272.25pt; position: var(--position); top: 210pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2963" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4509">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 314.25pt; position: var(--position); top: 210pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2964" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4510">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 356.25pt; position: var(--position); top: 210pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2965" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4511">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 398.25pt; position: var(--position); top: 210pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2368" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4512">136</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 210pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2369" decimals="-6" sign="-" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4513">140</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 224.25pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Accumulated revaluation surplus<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 140.25pt; position: var(--position); top: 224.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2966" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4514">267</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 185.25pt; position: var(--position); top: 224.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2967" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4515">304</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-2968" xsi:nil="true" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" id="f-4516"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-2969" xsi:nil="true" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" id="f-4517"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-2970" xsi:nil="true" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" id="f-4518"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-2971" xsi:nil="true" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" id="f-4519"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 398.25pt; position: var(--position); top: 224.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2972" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4520">267</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 224.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2973" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4521">304</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 238.5pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Accumulated remeasurement<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-2974" xsi:nil="true" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" id="f-4522"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-2975" xsi:nil="true" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" id="f-4523"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-2976" xsi:nil="true" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" id="f-4524"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-2977" xsi:nil="true" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" id="f-4525"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 314.25pt; position: var(--position); top: 238.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2978" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4526">163</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 356.25pt; position: var(--position); top: 238.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2979" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4527">130</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 398.25pt; position: var(--position); top: 238.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2980" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4528">163</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 238.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2981" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4529">130</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 252.75pt; width: 140.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 140.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net carrying value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 140.25pt; position: var(--position); top: 252.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2923" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4530">616</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 252.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2924" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4531">681</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 230.25pt; position: var(--position); top: 252.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.65pt;"></span></span><span style="left: 23.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2944" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4532">705</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 272.25pt; position: var(--position); top: 252.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.65pt;"></span></span><span style="left: 23.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2934" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" scale="6" id="f-4533">688</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 314.25pt; position: var(--position); top: 252.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.25pt;"></span></span><span style="left: 15.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2945" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4534">1,078</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 252.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.25pt;"></span></span><span style="left: 15.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2936" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4535">1,076</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 398.25pt; position: var(--position); top: 252.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.5pt;"></span></span><span style="left: 15.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4536">2,399</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 38.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 252.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4537">2,446</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-4409-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 513.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1 (Reversals of) impairments of property and equipment are presented as Other operating expenses in the statement of Profit or Loss.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 538.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING considers valuations from third-party experts in determining the fair values of property in own use. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 550.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">vast majority of the land and buildings are appraised during 2023. Property in own use purchase costs <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 270<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-4393-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">amounted to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 121.53pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2946" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4538">753</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 170.85pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 176.53pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 199.05pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR&#160;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 224.18pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2947" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentIncludingRightofuseAssets" format="ixt:num-dot-decimal" scale="6" id="f-4539">847</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 273.5pt; position: var(--position); text-decoration: none; white-space: pre;">). Cost or the purchase price less accumulated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">depreciation and impairments would have been EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 276.91999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentCarryingAmountAtCostOfRevaluedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4540">350</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 326.24pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 331.91999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 354.44000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 377.07000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 379.57000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:PropertyPlantAndEquipmentCarryingAmountAtCostOfRevaluedAssets" format="ixt:num-dot-decimal" scale="6" id="f-4541">368</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 428.89pt; position: var(--position); text-decoration: none; white-space: pre;">) had property in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">own use been valued at cost instead of at fair value.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The reported impairment losses of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 216.18pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-4542">41</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 263.6pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 269.28pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 291.8pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 316.92999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-4543">35</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 364.35pt; position: var(--position); text-decoration: none; white-space: pre;">) mainly result from changes in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">post-pandemic way of working through downscaling of physical office spaces and closure of branches for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">commercial reasons.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 169.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_214"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 169.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfIntangibleAssetsExplanatory" id="f-4544" continuedAt="f-4544-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">10&#160;  Intangible assets<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4544-1" continuedAt="f-4544-2"><div style="position: var(--position); top: 186.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDetailedInformationAboutIntangibleAssetsExplanatory" id="f-4545" continuedAt="f-4545-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 190.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/></tr><tr style="height: 12.75pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 1.25pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in intangible assets<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 190.5pt; position: var(--position); top: 12.75pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.55pt; position: var(--position); text-decoration: none; white-space: pre;">Goodwill<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 264pt; position: var(--position); top: 12.75pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.97pt; position: var(--position); text-decoration: none; white-space: pre;">Software<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 337.5pt; position: var(--position); top: 12.75pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 47.98pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 411pt; position: var(--position); top: 12.75pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 50.8pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 25.5pt; width: 190.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 190.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 190.5pt; position: var(--position); top: 25.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 227.25pt; position: var(--position); top: 25.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 264pt; position: var(--position); top: 25.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300.75pt; position: var(--position); top: 25.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 337.5pt; position: var(--position); top: 25.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 374.25pt; position: var(--position); top: 25.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 411pt; position: var(--position); top: 25.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 25.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 190.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 190.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance as at 1 January<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 190.5pt; position: var(--position); top: 39.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.94pt;"></span></span><span style="left: 18.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2982" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4546">464</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 227.25pt; position: var(--position); top: 39.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.94pt;"></span></span><span style="left: 18.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2983" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4547">472</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 264pt; position: var(--position); top: 39.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.94pt;"></span></span><span style="left: 18.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2984" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4548">636</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 300.75pt; position: var(--position); top: 39.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.94pt;"></span></span><span style="left: 18.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2985" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4549">682</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 337.5pt; position: var(--position); top: 39.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.06pt;"></span></span><span style="left: 28.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2986" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4550">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 374.25pt; position: var(--position); top: 39.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.06pt;"></span></span><span style="left: 28.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2987" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4551">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 411pt; position: var(--position); top: 39.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.72pt;"></span></span><span style="left: 11.350000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4552">1,102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447.75pt; position: var(--position); top: 39.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.72pt;"></span></span><span style="left: 11.350000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4553">1,156</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 52.5pt; width: 190.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 190.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance adjustment <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 121.61pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 190.5pt; position: var(--position); top: 52.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2988" xsi:nil="true" name="ifrs-full:IntangibleAssetsAndGoodwill" id="f-4554"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 227.25pt; position: var(--position); top: 52.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21pt;"></span></span><span style="left: 23.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2989" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4555">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 264pt; position: var(--position); top: 52.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300.75pt; position: var(--position); top: 52.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 337.5pt; position: var(--position); top: 52.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 374.25pt; position: var(--position); top: 52.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 411pt; position: var(--position); top: 52.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2990" xsi:nil="true" name="ifrs-full:IntangibleAssetsAndGoodwill" id="f-4556"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 52.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21pt;"></span></span><span style="left: 23.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2991" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4557">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 66.75pt; width: 190.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 190.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Additions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 190.5pt; position: var(--position); top: 66.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 227.25pt; position: var(--position); top: 66.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 264pt; position: var(--position); top: 66.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21pt;"></span></span><span style="left: 23.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2992" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4558">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 300.75pt; position: var(--position); top: 66.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21pt;"></span></span><span style="left: 23.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2993" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4559">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 337.5pt; position: var(--position); top: 66.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2994" xsi:nil="true" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" id="f-4560"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 374.25pt; position: var(--position); top: 66.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2995" xsi:nil="true" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" id="f-4561"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 411pt; position: var(--position); top: 66.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21pt;"></span></span><span style="left: 23.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4562">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447.75pt; position: var(--position); top: 66.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21pt;"></span></span><span style="left: 23.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4563">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 79.5pt; width: 190.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 190.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Capitalised expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 190.5pt; position: var(--position); top: 79.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 227.25pt; position: var(--position); top: 79.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 264pt; position: var(--position); top: 79.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.94pt;"></span></span><span style="left: 18.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2992" decimals="-6" name="ing:IncreaseDecreaseThroughCapitalisedExpensesIntangibleAssetsAndGoodwill" scale="6" id="f-4564">246</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 300.75pt; position: var(--position); top: 79.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.94pt;"></span></span><span style="left: 18.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2993" decimals="-6" name="ing:IncreaseDecreaseThroughCapitalisedExpensesIntangibleAssetsAndGoodwill" scale="6" id="f-4565">144</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 337.5pt; position: var(--position); top: 79.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2994" xsi:nil="true" name="ing:IncreaseDecreaseThroughCapitalisedExpensesIntangibleAssetsAndGoodwill" id="f-4566"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 374.25pt; position: var(--position); top: 79.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2995" xsi:nil="true" name="ing:IncreaseDecreaseThroughCapitalisedExpensesIntangibleAssetsAndGoodwill" id="f-4567"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 411pt; position: var(--position); top: 79.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.94pt;"></span></span><span style="left: 18.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:IncreaseDecreaseThroughCapitalisedExpensesIntangibleAssetsAndGoodwill" scale="6" id="f-4568">246</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447.75pt; position: var(--position); top: 79.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.94pt;"></span></span><span style="left: 18.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:IncreaseDecreaseThroughCapitalisedExpensesIntangibleAssetsAndGoodwill" scale="6" id="f-4569">144</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 92.25pt; width: 190.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 190.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amortisation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 190.5pt; position: var(--position); top: 92.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 227.25pt; position: var(--position); top: 92.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 264pt; position: var(--position); top: 92.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.59pt;"></span></span><span style="left: 15.219999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2992" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4570">213</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 300.75pt; position: var(--position); top: 92.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.59pt;"></span></span><span style="left: 15.219999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2993" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4571">226</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 337.5pt; position: var(--position); top: 92.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2994" xsi:nil="true" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" id="f-4572"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 374.25pt; position: var(--position); top: 92.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2995" xsi:nil="true" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" id="f-4573"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 411pt; position: var(--position); top: 92.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.59pt;"></span></span><span style="left: 15.219999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4574">213</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447.75pt; position: var(--position); top: 92.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.59pt;"></span></span><span style="left: 15.219999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-4575">226</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 105pt; width: 190.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 190.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Impairments<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 54.27pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;"> 1 2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 190.5pt; position: var(--position); top: 105pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2996" xsi:nil="true" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" id="f-4576"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 227.25pt; position: var(--position); top: 105pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.65pt;"></span></span><span style="left: 20.279999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2997" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" scale="6" id="f-4577">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 264pt; position: var(--position); top: 105pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.71pt;"></span></span><span style="left: 25.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2992" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" scale="6" id="f-4578">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 300.75pt; position: var(--position); top: 105pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.65pt;"></span></span><span style="left: 20.279999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2993" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" scale="6" id="f-4579">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 337.5pt; position: var(--position); top: 105pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2994" xsi:nil="true" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" id="f-4580"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 374.25pt; position: var(--position); top: 105pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2995" xsi:nil="true" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" id="f-4581"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 411pt; position: var(--position); top: 105pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.71pt;"></span></span><span style="left: 25.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" scale="6" id="f-4582">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447.75pt; position: var(--position); top: 105pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.65pt;"></span></span><span style="left: 20.279999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" scale="6" id="f-4583">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 117.75pt; width: 190.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 190.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 190.5pt; position: var(--position); top: 117.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.06pt;"></span></span><span style="left: 28.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2996" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="f-4584">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 227.25pt; position: var(--position); top: 117.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.71pt;"></span></span><span style="left: 25.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2997" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="f-4585">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 264pt; position: var(--position); top: 117.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.06pt;"></span></span><span style="left: 28.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2992" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="f-4586">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 300.75pt; position: var(--position); top: 117.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.06pt;"></span></span><span style="left: 28.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2993" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="f-4587">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 337.5pt; position: var(--position); top: 117.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2994" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" id="f-4588"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 374.25pt; position: var(--position); top: 117.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2995" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" id="f-4589"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 411pt; position: var(--position); top: 117.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.06pt;"></span></span><span style="left: 28.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="f-4590">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447.75pt; position: var(--position); top: 117.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.06pt;"></span></span><span style="left: 28.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill" scale="6" id="f-4591">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 130.5pt; width: 190.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 190.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Disposals<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 190.5pt; position: var(--position); top: 130.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 227.25pt; position: var(--position); top: 130.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 264pt; position: var(--position); top: 130.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.65pt;"></span></span><span style="left: 20.279999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2992" decimals="-6" name="ifrs-full:DisposalsIntangibleAssetsAndGoodwill" scale="6" id="f-4592">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 300.75pt; position: var(--position); top: 130.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.71pt;"></span></span><span style="left: 25.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2993" decimals="-6" name="ifrs-full:DisposalsIntangibleAssetsAndGoodwill" scale="6" id="f-4593">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 337.5pt; position: var(--position); top: 130.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2994" xsi:nil="true" name="ifrs-full:DisposalsIntangibleAssetsAndGoodwill" id="f-4594"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 374.25pt; position: var(--position); top: 130.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2995" xsi:nil="true" name="ifrs-full:DisposalsIntangibleAssetsAndGoodwill" id="f-4595"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 411pt; position: var(--position); top: 130.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.65pt;"></span></span><span style="left: 20.279999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DisposalsIntangibleAssetsAndGoodwill" scale="6" id="f-4596">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447.75pt; position: var(--position); top: 130.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.71pt;"></span></span><span style="left: 25.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DisposalsIntangibleAssetsAndGoodwill" scale="6" id="f-4597">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 143.25pt; width: 190.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 190.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in the composition of the group and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 190.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">other changes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 190.5pt; position: var(--position); top: 143.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 227.25pt; position: var(--position); top: 143.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 264pt; position: var(--position); top: 143.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.06pt;"></span></span><span style="left: 28.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2992" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" scale="6" id="f-4598">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 300.75pt; position: var(--position); top: 143.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.06pt;"></span></span><span style="left: 28.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2993" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" scale="6" id="f-4599">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 337.5pt; position: var(--position); top: 143.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.06pt;"></span></span><span style="left: 28.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2994" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" scale="6" id="f-4600">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 374.25pt; position: var(--position); top: 143.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2995" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" id="f-4601"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 411pt; position: var(--position); top: 143.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.06pt;"></span></span><span style="left: 28.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" scale="6" id="f-4602">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 447.75pt; position: var(--position); top: 143.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.06pt;"></span></span><span style="left: 28.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesIntangibleAssetsAndGoodwill" scale="6" id="f-4603">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 167.25pt; width: 190.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 190.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 190.5pt; position: var(--position); top: 167.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.4pt;"></span></span><span style="left: 18.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2998" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4604">469</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 227.25pt; position: var(--position); top: 167.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.4pt;"></span></span><span style="left: 18.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2982" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4605">464</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 264pt; position: var(--position); top: 167.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.4pt;"></span></span><span style="left: 18.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2999" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4606">727</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 300.75pt; position: var(--position); top: 167.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.4pt;"></span></span><span style="left: 18.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2984" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4607">636</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 337.5pt; position: var(--position); top: 167.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.88pt;"></span></span><span style="left: 28.509999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3000" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4608">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 374.25pt; position: var(--position); top: 167.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.88pt;"></span></span><span style="left: 28.509999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2986" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4609">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 411pt; position: var(--position); top: 167.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8pt;"></span></span><span style="left: 10.629999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4610">1,198</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 447.75pt; position: var(--position); top: 167.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8pt;"></span></span><span style="left: 10.629999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4611">1,102</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 192.75pt; width: 190.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 190.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Gross carrying amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 190.5pt; position: var(--position); top: 192.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.94pt;"></span></span><span style="left: 18.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3001" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4612">469</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 227.25pt; position: var(--position); top: 192.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.94pt;"></span></span><span style="left: 18.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3002" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4613">464</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 264pt; position: var(--position); top: 192.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.72pt;"></span></span><span style="left: 11.350000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3003" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4614">2,646</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300.75pt; position: var(--position); top: 192.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.72pt;"></span></span><span style="left: 11.350000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3004" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4615">2,491</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 337.5pt; position: var(--position); top: 192.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.06pt;"></span></span><span style="left: 28.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3005" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4616">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 374.25pt; position: var(--position); top: 192.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.06pt;"></span></span><span style="left: 28.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3006" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4617">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 411pt; position: var(--position); top: 192.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.72pt;"></span></span><span style="left: 11.350000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2873" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4618">3,123</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 192.75pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.72pt;"></span></span><span style="left: 11.350000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2874" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4619">2,962</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 207pt; width: 190.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 190.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Accumulated amortisation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 190.5pt; position: var(--position); top: 207pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 227.25pt; position: var(--position); top: 207pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 264pt; position: var(--position); top: 207pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.37pt;"></span></span><span style="left: 8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3007" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4620">1,876</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300.75pt; position: var(--position); top: 207pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.37pt;"></span></span><span style="left: 8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3008" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4621">1,787</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 337.5pt; position: var(--position); top: 207pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.71pt;"></span></span><span style="left: 25.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3009" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4622">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 374.25pt; position: var(--position); top: 207pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.71pt;"></span></span><span style="left: 25.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3010" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4623">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 411pt; position: var(--position); top: 207pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.37pt;"></span></span><span style="left: 8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3011" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4624">1,879</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 207pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.37pt;"></span></span><span style="left: 8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3012" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4625">1,790</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 221.25pt; width: 190.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 190.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Accumulated impairments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 190.5pt; position: var(--position); top: 221.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3013" xsi:nil="true" name="ifrs-full:IntangibleAssetsAndGoodwill" id="f-4626"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 227.25pt; position: var(--position); top: 221.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.12pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3014" xsi:nil="true" name="ifrs-full:IntangibleAssetsAndGoodwill" id="f-4627"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 264pt; position: var(--position); top: 221.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.65pt;"></span></span><span style="left: 20.279999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3015" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4628">43</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300.75pt; position: var(--position); top: 221.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.65pt;"></span></span><span style="left: 20.279999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3016" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4629">69</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 337.5pt; position: var(--position); top: 221.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.71pt;"></span></span><span style="left: 25.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3017" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4630">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 374.25pt; position: var(--position); top: 221.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.71pt;"></span></span><span style="left: 25.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3018" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4631">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 411pt; position: var(--position); top: 221.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.65pt;"></span></span><span style="left: 20.279999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2368" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4632">45</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 221.25pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.65pt;"></span></span><span style="left: 20.279999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2369" decimals="-6" sign="-" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4633">70</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 235.5pt; width: 190.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 190.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net carrying value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 190.5pt; position: var(--position); top: 235.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.4pt;"></span></span><span style="left: 18.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2998" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4634">469</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 227.25pt; position: var(--position); top: 235.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.4pt;"></span></span><span style="left: 18.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2982" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4635">464</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 264pt; position: var(--position); top: 235.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.4pt;"></span></span><span style="left: 18.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2999" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4636">727</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300.75pt; position: var(--position); top: 235.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.4pt;"></span></span><span style="left: 18.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2984" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4637">636</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 337.5pt; position: var(--position); top: 235.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.88pt;"></span></span><span style="left: 28.509999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3000" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4638">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 374.25pt; position: var(--position); top: 235.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.88pt;"></span></span><span style="left: 28.509999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2986" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" scale="6" id="f-4639">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 411pt; position: var(--position); top: 235.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8pt;"></span></span><span style="left: 10.629999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4640">1,198</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 235.5pt; width: 36.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8pt;"></span></span><span style="left: 10.629999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:IntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4641">1,102</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-4545-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 447.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">In 2022, the allocated goodwill to T&#252;rkiye cash generating unit after first being adjusted for hyperinflation accounting for EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 495.91pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3019" decimals="-6" name="ing:GoodwillHyperinflationAdjustment" format="ixt:num-dot-decimal" scale="6" id="f-4642">25</ix:nonFraction> <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 457.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 70.97pt; position: var(--position); text-decoration: none; white-space: pre;">, was fully impaired for the amount of EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 224.16pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3019" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4643">32</ix:nonFraction> million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 259.07pt; position: var(--position); text-decoration: none; white-space: pre;"> (based on discount rate <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 347.54pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3020" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-4644">24.04</ix:nonFraction>%<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 374.34pt; position: var(--position); text-decoration: none; white-space: pre;"> and terminal growth rate <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 468.68pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3021" decimals="4" name="ifrs-full:SignificantUnobservableInputAssets" scale="-2" id="f-4645">10.40</ix:nonFraction>%<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 495.48pt; position: var(--position); text-decoration: none; white-space: pre;"> as per <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 466.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">1 January 2022). T&#252;rkiye is part of the Retail Other segment.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 476.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Impairments of intangible assets are presented within Other operating expenses in the statement of Profit or Loss.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 502.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Goodwill<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.26pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfGoodwillExplanatory" id="f-4646" continuedAt="f-4646-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Goodwill is allocated to groups of cash generating units (CGUs) as follows:<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4646-1"><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 120.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 93.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 69pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 69pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/></tr><tr style="height: 14.25pt;"><td colspan="6" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Goodwill allocation to group of CGUs<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 14.25pt; width: 120.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 120.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 120.75pt; position: var(--position); top: 14.25pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.45pt; position: var(--position); text-decoration: none; white-space: pre;">Method used for <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.55pt; position: var(--position); text-decoration: none; white-space: pre;">recoverable amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 214.5pt; position: var(--position); top: 14.25pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.57pt; position: var(--position); text-decoration: none; white-space: pre;">Discount rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 283.5pt; position: var(--position); top: 14.25pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31pt; position: var(--position); text-decoration: none; white-space: pre;">Terminal <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.85pt; position: var(--position); text-decoration: none; white-space: pre;">growth rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 352.5pt; position: var(--position); top: 14.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.05pt; position: var(--position); text-decoration: none; white-space: pre;">Goodwill<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 418.5pt; position: var(--position); top: 14.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.05pt; position: var(--position); text-decoration: none; white-space: pre;">Goodwill<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 38.25pt; width: 120.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Group of CGU&#8217;s<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 352.5pt; position: var(--position); top: 38.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 42.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 418.5pt; position: var(--position); top: 38.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 42.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 52.5pt; width: 120.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120.75pt; position: var(--position); top: 52.5pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 42.4pt; position: var(--position); text-decoration: none; white-space: pre;">Value in use<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 214.5pt; position: var(--position); top: 52.5pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 40.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.31pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3022" decimals="4" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4647">8.80</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 60.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 283.5pt; position: var(--position); top: 52.5pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 40.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.31pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3022" decimals="4" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4648">2.20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 60.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 352.5pt; position: var(--position); top: 52.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3022" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-4649">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 418.5pt; position: var(--position); top: 52.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3023" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-4650">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66.75pt; width: 120.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120.75pt; position: var(--position); top: 66.75pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 42.4pt; position: var(--position); text-decoration: none; white-space: pre;">Value in use<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 214.5pt; position: var(--position); top: 66.75pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 40.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.31pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3024" decimals="4" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4651">8.68</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 60.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 283.5pt; position: var(--position); top: 66.75pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 40.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.31pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3024" decimals="4" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4652">2.00</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 60.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 352.5pt; position: var(--position); top: 66.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3024" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-4653">349</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 418.5pt; position: var(--position); top: 66.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.19pt;"></span></span><span style="left: 47.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3025" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-4654">349</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 81pt; width: 120.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Poland<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120.75pt; position: var(--position); top: 81pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 42.4pt; position: var(--position); text-decoration: none; white-space: pre;">Value in use<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 214.5pt; position: var(--position); top: 81pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 35.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3026" decimals="4" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4655">10.44</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 60.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 283.5pt; position: var(--position); top: 81pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 40.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.31pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3026" decimals="4" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4656">2.40</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 60.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 352.5pt; position: var(--position); top: 81pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3026" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-4657">75</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 418.5pt; position: var(--position); top: 81pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3027" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-4658">69</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 95.25pt; width: 120.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 120.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Romania<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 120.75pt; position: var(--position); top: 95.25pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 42.4pt; position: var(--position); text-decoration: none; white-space: pre;">Value in use<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 214.5pt; position: var(--position); top: 95.25pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 35.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3028" decimals="4" name="ifrs-full:DescriptionOfDiscountRatesAppliedToCashFlowProjections" scale="-2" id="f-4659">12.72</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 60.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 283.5pt; position: var(--position); top: 95.25pt; width: 69pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 40.31pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.31pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3028" decimals="4" name="ifrs-full:DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections" scale="-2" id="f-4660">2.60</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 60.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 352.5pt; position: var(--position); top: 95.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3028" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-4661">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 418.5pt; position: var(--position); top: 95.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.25pt;"></span></span><span style="left: 52.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3029" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-4662">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 352.5pt; position: var(--position); top: 109.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.65pt;"></span></span><span style="left: 47.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3030" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-4663">469</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 418.5pt; position: var(--position); top: 109.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.65pt;"></span></span><span style="left: 47.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3031" decimals="-6" name="ifrs-full:Goodwill" scale="6" id="f-4664">464</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 210.66pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Impairment testing<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 225.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Goodwill is tested for impairment annually in the fourth quarter by comparing the recoverable amount of <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 239.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">each goodwill-carrying CGU with its carrying amount. The key assumptions used in the calculation of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 251.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">recoverable amounts are included in the table above. Furthermore, ING Group tests goodwill whenever a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 263.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">triggering event is identified. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 684.89pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 290.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">At the annual impairment test in the fourth quarter, the recoverable amount exceeds the carrying value of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 302.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the CGUs as at 31 December 2023 and therefore no impairment is required (31 December 2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1005.64pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3019" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4665">32</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 314.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 584.9499999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> for T&#252;rkiye CGU).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 343.46pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Methodology <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 357.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In line with IFRS, the recoverable amount is determined as the higher of the fair value less costs of disposal <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and Value in Use (VIU). The VIU calculation is based on a Dividend Discount model using <span style="display: inline-block; height: 7.5pt;"></span></span><ix:nonNumeric contextRef="c-1" name="ing:ValueInUseCalculationPeriod" format="ixt-sec:durwordsen" id="f-4666"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 948.01pt; position: var(--position); text-decoration: none; white-space: pre;">three<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 971.94pt; position: var(--position); text-decoration: none; white-space: pre;"> year<span style="display: inline-block; height: 7.5pt;"></span></span></ix:nonNumeric><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 994.8399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 384.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management approved plans, updated for expected changes in the macroeconomic environment. When <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 396.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">estimating the VIU of a CGU, local conditions and requirements determine the capital requirements, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 408.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">discount rates, and terminal growth rates. These local conditions and requirements determine the ability to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 420.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">upstream excess capital and profits to ING Group. The discount rate calculation includes other inputs such as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">equity market premium, country risk premium, and long term inflation which are based on market sources <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and management&#8217;s judgement. The long term growth rate is based on the <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 890.27pt; position: var(--position); text-decoration: none; white-space: pre;">long term inflation rate obtained <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">from market sources. The impacts of climate risk are included to the extent that they are observable in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">discount rates and assets prices.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 497.26pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Sensitivity of key assumptions<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 723.35pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 511.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Key assumptions in the goodwill impairment test model are the projected locally available cash flows (based <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 523.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on local capital requirements and projected profits), discount rates (cost of equity), and long-term growth <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 535.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rates. <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 271<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-4544-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The recoverable amounts of the CGUs are sensitive to the above key assumptions. A decrease in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">available cash flows of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 142.78pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="ing:PercentageDecreaseInAvailableCashFlow" scale="-2" id="f-4667">10</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 162.65pt; position: var(--position); text-decoration: none; white-space: pre;">, an increase in the discount rate of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 322.59000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="ing:ChangeInDiscountRate" format="ixt:num-dot-decimal" scale="-2" id="f-4668">1</ix:nonFraction> percent<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 365.09000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> point or a reduction of future <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">growth rate to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 107.14pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="ing:SensitivityFutureGrowthRate" format="ixt:fixed-zero" scale="0" id="f-4669">zero</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 126.28999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> are considered reasonably possible changes in key assumptions. If the aforementioned <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">changes occur to one of the above key assumptions holding the other key assumptions constant, goodwill <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the remaining CGUs will continue to be recoverable.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 141.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Software <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 156.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Software includes internally developed software amounting to EUR <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 341.54999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3032" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4670">628</ix:nonFraction> million<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 390.87pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 396.54999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 419.07000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 444.20000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3033" decimals="-6" name="ifrs-full:IntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4671">540</ix:nonFraction> million<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 493.52pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 499.11pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 185.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Software is reviewed for indicators of impairment. Irrespective of whether there is an indication of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 197.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impairment, software under development is tested annually for impairment. In 2023, individually <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 209.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">immaterial items were impaired for an amount of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 285.07pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4672">5</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 323.13pt; position: var(--position); text-decoration: none; white-space: pre;"> (31 December 2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 418.52pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-4673">22</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 462.21000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 239.71pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_217"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 239.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfOtherAssetsExplanatory" id="f-4674" continuedAt="f-4674-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">11&#160;  Other assets<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4674-1" continuedAt="f-4674-2"><div style="position: var(--position); top: 256.51pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:ScheduleOfOtherAssetsExplanatoryTableTextBlock" id="f-4675" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Other assets by type<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net defined benefit assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:RecognisedAssetsDefinedBenefitPlan" scale="6" id="f-4676">554</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:RecognisedAssetsDefinedBenefitPlan" scale="6" id="f-4677">617</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment properties<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:InvestmentProperty" scale="6" id="f-4678">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:InvestmentProperty" scale="6" id="f-4679">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Property development and obtained from foreclosures<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:PropertyDevelopmentAndForeclosures" scale="6" id="f-4680">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:PropertyDevelopmentAndForeclosures" scale="6" id="f-4681">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 65.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Prepayments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Prepayments" scale="6" id="f-4682">438</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:Prepayments" scale="6" id="f-4683">366</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 79.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Accrued assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 79.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:AccruedAssets" scale="6" id="f-4684">523</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 79.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:AccruedAssets" scale="6" id="f-4685">551</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 92.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts to be settled<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 92.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:ItemsInCourseOfCollectionFromOtherBanks" format="ixt:num-dot-decimal" scale="6" id="f-4686">3,869</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 92.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:ItemsInCourseOfCollectionFromOtherBanks" format="ixt:num-dot-decimal" scale="6" id="f-4687">5,191</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 105pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 105pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:MiscellaneousOtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-4688">1,687</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 105pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:MiscellaneousOtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-4689">2,073</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 117.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-4690">7,117</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 117.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-4691">8,850</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Disclosures in respect of Net defined benefit assets are provided in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 338.29999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">Note 33 'Pensions and other post-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">employment benefits'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 138.9pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 446.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts to be settled include primarily transactions not settled at the balance sheet date. The nature of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 458.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">these transaction is short term and they are expected to settle shortly after the closing date of the balance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sheet.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 497.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Other relates to various receivables in the normal course of business, amongst others, short term <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 509.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-4674-2">receivables relating to mortgage issuance and other amounts receivable from customers.</ix:continuation> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_220"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDepositsFromBanksExplanatory" id="f-4692" continuedAt="f-4692-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">12&#160;  Deposits from banks<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4692-1"><div style="position: var(--position); top: 81.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfDepositsFromBanksSplitInInterestAndNonInterestBearingExplanatoryTableTextBlock" id="f-4693" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 215.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Deposits from banks by type<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.05pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of the world<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 67.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 215.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-interest bearing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-6" name="ing:NonInterestBearingOnDepositsFromBanks" scale="6" id="f-4694">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-6" name="ing:NonInterestBearingOnDepositsFromBanks" scale="6" id="f-4695">86</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2669" decimals="-6" name="ing:NonInterestBearingOnDepositsFromBanks" scale="6" id="f-4696">174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2670" decimals="-6" name="ing:NonInterestBearingOnDepositsFromBanks" scale="6" id="f-4697">315</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:NonInterestBearingOnDepositsFromBanks" scale="6" id="f-4698">177</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:NonInterestBearingOnDepositsFromBanks" scale="6" id="f-4699">400</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest bearing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-6" name="ing:InterestBearingOnDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-4700">7,803</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-6" name="ing:InterestBearingOnDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-4701">32,858</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2669" decimals="-6" name="ing:InterestBearingOnDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-4702">15,277</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2670" decimals="-6" name="ing:InterestBearingOnDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-4703">23,374</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:InterestBearingOnDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-4704">23,080</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:InterestBearingOnDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-4705">56,232</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-4706">7,806</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-4707">32,943</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2669" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-4708">15,451</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2670" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-4709">23,689</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-4710">23,257</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-4711">56,632</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 185.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Deposits from banks includes non-subordinated deposits and reverse repurchase transactions, for more <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 197.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">information on reverse repurchase transaction refer to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 801.56pt; position: var(--position); text-decoration: none; white-space: pre;">Note 4 'Financial assets at fair value through profit or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 209.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">loss'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 574.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 236.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Deposits from banks includes ING&#8217;s participation in the Targeted Longer-Term Refinancing Operations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 248.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(TLTRO) of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 623.16pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3034" decimals="-8" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="9" id="f-4712">6.0</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 665.64pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 718.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3035" decimals="-8" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="9" id="f-4713">36.0</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 767.0799999999999pt; position: var(--position); text-decoration: none; white-space: pre;">). In 2023, EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 833.65pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-8" name="ing:RepaymentOfDepositsFromBanks" format="ixt:num-dot-decimal" scale="9" id="f-4714">30.0</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 881.76pt; position: var(--position); text-decoration: none; white-space: pre;"> of ING's TLTRO III participation was <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 260.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">repaid.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 287.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For the details of the applicable rates and impact on net interest income reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 975.31pt; position: var(--position); text-decoration: none; white-space: pre;">Note 20 'Net <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 299.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">interest income'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 627.47pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 329.71pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_223"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 329.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDepositsFromCustomersExplanatory" id="f-4715" continuedAt="f-4715-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">13&#160;  Customer deposits<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4715-1" continuedAt="f-4715-2"><div style="position: var(--position); top: 346.51pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:ScheduleOfCustomerDepositsTableTextBlock" id="f-4716" continuedAt="f-4716-1" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ffffff; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 92.41pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;"> 1<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Current accounts / Overnight deposits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:CustomerDepositsCurrentAccountsAndOvernightDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4717">221,773</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:CustomerDepositsCurrentAccountsAndOvernightDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4718">260,350</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Savings accounts<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.85pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:CustomerDepositsSavingsAccounts" format="ixt:num-dot-decimal" scale="6" id="f-4719">334,296</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.85pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:CustomerDepositsSavingsAccounts" format="ixt:num-dot-decimal" scale="6" id="f-4720">329,531</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Time deposits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:CustomerDepositsTimeDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4721">92,154</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:CustomerDepositsTimeDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4722">48,524</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:BalancesOnOtherDepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4723">2,053</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:BalancesOnOtherDepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4724">2,395</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4725">650,276</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4726">640,799</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-4716-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 449.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1 ING changed the presentation of customer deposits as of 2023. The comparative figure for 2022 has been updated accordingly.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Current accounts / Overnight deposits, Saving accounts and Time deposits include balances with individuals, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">respectively EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 631.38pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3036" decimals="-6" name="ing:CustomerDepositsCurrentAccountsAndOvernightDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4727">107,711</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 700pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 753.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3037" decimals="-6" name="ing:CustomerDepositsCurrentAccountsAndOvernightDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4728">124,067</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 821.95pt; position: var(--position); text-decoration: none; white-space: pre;">), EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 850.26pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3036" decimals="-6" name="ing:CustomerDepositsSavingsAccounts" format="ixt:num-dot-decimal" scale="6" id="f-4729">305,743</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 918.88pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3037" decimals="-6" name="ing:CustomerDepositsSavingsAccounts" format="ixt:num-dot-decimal" scale="6" id="f-4730">304,306</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 623.64pt; position: var(--position); text-decoration: none; white-space: pre;">) and EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 669.28pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3036" decimals="-6" name="ing:CustomerDepositsTimeDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4731">46,762</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 732.27pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 785.6pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3037" decimals="-6" name="ing:CustomerDepositsTimeDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4732">16,729</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 848.5899999999999pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 272<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-4715-2"><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfDepositsFromCustomersByTypeExplanatoryTableTextBlock" id="f-4733" continuedAt="f-4733-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 215.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits by type<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.05pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.5pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of the world<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 67.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 215.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-interest bearing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-6" name="ing:NonInterestBearingCustomerDeposits" scale="6" id="f-4734">239</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-6" name="ing:NonInterestBearingCustomerDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4735">2,332</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2669" decimals="-6" name="ing:NonInterestBearingCustomerDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4736">25,316</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2670" decimals="-6" name="ing:NonInterestBearingCustomerDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4737">24,229</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:NonInterestBearingCustomerDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4738">25,556</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:NonInterestBearingCustomerDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4739">26,561</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest bearing <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 68.8pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-6" name="ing:InterestBearingCustomerDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4740">232,548</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-6" name="ing:InterestBearingCustomerDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4741">231,914</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2669" decimals="-6" name="ing:InterestBearingCustomerDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4742">392,172</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2670" decimals="-6" name="ing:InterestBearingCustomerDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4743">382,324</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:InterestBearingCustomerDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4744">624,720</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:InterestBearingCustomerDeposits" format="ixt:num-dot-decimal" scale="6" id="f-4745">614,238</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4746">232,788</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4747">234,246</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2669" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4748">417,488</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2670" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4749">406,552</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4750">650,276</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-4751">640,799</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-4733-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 153.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Interest bearing includes current accounts which are not remunerated, however ING holds the contractual right to revise.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></ix:continuation><div style="position: absolute; top: 181.51pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_226"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 181.51pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFinancialLiabilitiesExplanatory" id="f-4752" continuedAt="f-4752-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">14&#160;  Financial liabilities at fair value through profit or loss<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4752-1"><div style="position: var(--position); top: 198.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfFinancialAssetsAndLiabilitiesAtFairValueThroughProfitLossTableTextBlock" id="f-4753" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities at fair value through profit or loss<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Trading liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4754">37,220</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4755">39,088</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-trading derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-4756">2,019</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-4757">3,048</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Designated at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4758">55,400</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4759">50,883</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-4760">94,638</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-4761">93,019</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 304.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Trading liabilities<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 318.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFinancialInstrumentsHeldForTradingExplanatory" id="f-4762" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Trading liabilities by type<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equity securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3038" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4763">1,156</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3039" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" scale="6" id="f-4764">935</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3040" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4765">2,492</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3041" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4766">1,291</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Funds on deposit<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3042" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4767">10,443</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3043" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4768">5,993</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3044" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4769">23,129</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3045" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4770">30,869</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4771">37,220</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-4772">39,088</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 438.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Non-trading derivatives<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 453.36pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfFairValueOnNonTradingDerivativesExplanatoryTableTextBlock" id="f-4773" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 483.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 483.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Non-trading derivatives by type<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 14.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives used in:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">-&#160; fair value hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3046" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-4774">113</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 39.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3047" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-4775">244</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">-&#160; cash flow hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3048" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-4776">458</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 52.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.22pt;"></span></span><span style="left: 18.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3049" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-4777">1,275</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">-&#160; hedges of net investments in foreign operations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 65.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3050" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-4778">92</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 65.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3051" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-4779">83</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other non-trading derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 78pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.22pt;"></span></span><span style="left: 18.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3052" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-4780">1,356</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 78pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.22pt;"></span></span><span style="left: 18.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3053" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-4781">1,446</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 90.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.5pt;"></span></span><span style="left: 18.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-4782">2,019</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 90.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.5pt;"></span></span><span style="left: 18.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-4783">3,048</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 652pt; position: var(--position); text-decoration: none; white-space: pre;">Note 36 'Derivatives and hedge accounting'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 846.4300000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> for information on derivatives used for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hedge accounting.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other non-trading derivatives mainly includes interest rate swaps and foreign currency swaps for hedging <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">purposes, but for which no hedge accounting is applied.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 144.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Designated at fair value through profit or loss <span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 159.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfFinancialDerivativeInstrumentLiabilitiesDesignatedAtFairThroughProfitOrLossExplanatoryTableTextBlock" id="f-4784" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Designated at fair value through profit or loss by type<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2693" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4785">8,672</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2694" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4786">6,537</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Funds entrusted<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3054" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4787">46,633</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3055" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4788">44,263</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Subordinated liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3056" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-4789">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3057" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-4790">82</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4791">55,400</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-4792">50,883</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 263.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 580.25pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 665.05pt; position: var(--position); text-decoration: none; white-space: pre;">, the change in the fair value of financial liabilities designated at fair value through <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 275.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">profit or loss attributable to changes in credit risk is EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 805.85pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:ChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" format="ixt:num-dot-decimal" scale="6" id="f-4793">34</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 853.27pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 858.95pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 881.47pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR&#160;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 906.5999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:ChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability" format="ixt:num-dot-decimal" scale="6" id="f-4794">75</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 954.02pt; position: var(--position); text-decoration: none; white-space: pre;">) on a cumulative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 287.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">basis. This change has been determined as the amount of change in fair value of the financial liability that is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 299.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">not attributable to changes in market conditions that gave rise to market risk (i.e. mainly interest rate risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 311.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">based on yield curves).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 338.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The amount that <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 633.43pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 678.92pt; position: var(--position); text-decoration: none; white-space: pre;"> is contractually required to pay at maturity to the holders of financial liabilities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 350.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">designated at fair value through profit or loss excluding repurchase agreements (part of funds entrusted) is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 575.24pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 577.74pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DifferenceBetweenCarryingAmountOfFinancialLiabilityAndAmountContractuallyRequiredToPayAtMaturityToHolderOfObligation" format="ixt:num-dot-decimal" scale="6" id="f-4795">9,957</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 635.1pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 640.78pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 663.3pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR&#160;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 688.43pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DifferenceBetweenCarryingAmountOfFinancialLiabilityAndAmountContractuallyRequiredToPayAtMaturityToHolderOfObligation" format="ixt:num-dot-decimal" scale="6" id="f-4796">8,408</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 745.79pt; position: var(--position); text-decoration: none; white-space: pre;">). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 389.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Funds entrusted include mainly repurchase agreements. For more information on repurchase transactions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 401.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">refer to Note 4 'Financial assets at fair value through profit or loss'.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.95pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 764.97pt;"></span></span></span><span style="font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1008.62pt; position: var(--position); white-space: pre;">F - 273<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_229"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfProvisionsExplanatory" id="f-4797" continuedAt="f-4797-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">15&#160;  Provisions<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4797-1"><div style="position: var(--position); top: 81.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfProvisionsByTypeExplanatoryTableTextBlock" id="f-4798" continuedAt="f-4798-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Provisions by type <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ffffff; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 92.91999999999999pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Reorganisation provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3058" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-4799">231</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3059" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-4800">418</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Litigation provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3060" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-4801">193</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3061" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-4802">150</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other provisions <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3062" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-4803">355</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3063" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-4804">455</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" scale="6" id="f-4805">779</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" format="ixt:num-dot-decimal" scale="6" id="f-4806">1,022</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loan loss provisions for guarantees<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3064" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-4807">142</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3065" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-4808">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherProvisions" scale="6" id="f-4809">920</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:OtherProvisions" format="ixt:num-dot-decimal" scale="6" id="f-4810">1,052</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-4798-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 205.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1 In 2023, the table was updated to present the IFRS 9 loan loss provisions for guarantees separately. The comparatives for 2022<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 214.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">have been updated accordingly.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="position: var(--position); top: 234.01pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfOtherProvisionsExplanatory" id="f-4811" continuedAt="f-4811-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 139.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in provisions<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 139.5pt; position: var(--position); top: 14.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.87pt; position: var(--position); text-decoration: none; white-space: pre;">Reorganisation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 226.5pt; position: var(--position); top: 14.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 46.67pt; position: var(--position); text-decoration: none; white-space: pre;">Litigation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 313.5pt; position: var(--position); top: 14.25pt; width: 81pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 81pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.49pt; position: var(--position); text-decoration: none; white-space: pre;">Other provisions <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 75.08pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 67.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 139.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 139.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 139.5pt; position: var(--position); top: 27pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 181.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 226.5pt; position: var(--position); top: 27pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 268.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 27pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354.75pt; position: var(--position); top: 27pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 139.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 139.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance as at 1 January<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 139.5pt; position: var(--position); top: 41.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3059" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" scale="6" id="f-4812">418</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 181.5pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3066" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" scale="6" id="f-4813">421</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 226.5pt; position: var(--position); top: 41.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3061" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" scale="6" id="f-4814">150</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 268.5pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3067" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" scale="6" id="f-4815">132</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 41.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3068" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" scale="6" id="f-4816">455</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354.75pt; position: var(--position); top: 41.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3069" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" scale="6" id="f-4817">407</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" format="ixt:num-dot-decimal" scale="6" id="f-4818">1,022</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" scale="6" id="f-4819">961</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 139.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 139.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Additions <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 42.760000000000005pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 139.5pt; position: var(--position); top: 55.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3070" decimals="-6" name="ifrs-full:AdditionalProvisionsOtherProvisions" scale="6" id="f-4820">207</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 181.5pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3071" decimals="-6" name="ifrs-full:AdditionalProvisionsOtherProvisions" scale="6" id="f-4821">217</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 226.5pt; position: var(--position); top: 55.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.25pt;"></span></span><span style="left: 28.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3072" decimals="-6" name="ifrs-full:AdditionalProvisionsOtherProvisions" scale="6" id="f-4822">78</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 268.5pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3073" decimals="-6" name="ifrs-full:AdditionalProvisionsOtherProvisions" scale="6" id="f-4823">59</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 55.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.5pt;"></span></span><span style="left: 28.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3074" decimals="-6" name="ifrs-full:AdditionalProvisionsOtherProvisions" scale="6" id="f-4824">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354.75pt; position: var(--position); top: 55.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3075" decimals="-6" name="ifrs-full:AdditionalProvisionsOtherProvisions" scale="6" id="f-4825">230</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdditionalProvisionsOtherProvisions" scale="6" id="f-4826">325</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AdditionalProvisionsOtherProvisions" scale="6" id="f-4827">506</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 139.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 139.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 139.5pt; position: var(--position); top: 69.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.37pt;"></span></span><span style="left: 39pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3070" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughChangeInDiscountRateOtherProvisions" id="f-4828"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 181.5pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3071" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughChangeInDiscountRateOtherProvisions" id="f-4829"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 226.5pt; position: var(--position); top: 69.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.37pt;"></span></span><span style="left: 39pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3072" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughChangeInDiscountRateOtherProvisions" id="f-4830"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 268.5pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3073" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughChangeInDiscountRateOtherProvisions" id="f-4831"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 69.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.62pt;"></span></span><span style="left: 38.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3074" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughChangeInDiscountRateOtherProvisions" id="f-4832"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354.75pt; position: var(--position); top: 69.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.71pt;"></span></span><span style="left: 28.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3075" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangeInDiscountRateOtherProvisions" scale="6" id="f-4833">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughChangeInDiscountRateOtherProvisions" id="f-4834"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangeInDiscountRateOtherProvisions" scale="6" id="f-4835">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 139.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 139.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Releases <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 39.84pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 139.5pt; position: var(--position); top: 84pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3070" decimals="-6" name="ifrs-full:UnusedProvisionReversedOtherProvisions" scale="6" id="f-4836">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 181.5pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3071" decimals="-6" name="ifrs-full:UnusedProvisionReversedOtherProvisions" scale="6" id="f-4837">46</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 226.5pt; position: var(--position); top: 84pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3072" decimals="-6" name="ifrs-full:UnusedProvisionReversedOtherProvisions" scale="6" id="f-4838">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 268.5pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3073" decimals="-6" name="ifrs-full:UnusedProvisionReversedOtherProvisions" scale="6" id="f-4839">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 84pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.15pt;"></span></span><span style="left: 24.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3074" decimals="-6" name="ifrs-full:UnusedProvisionReversedOtherProvisions" scale="6" id="f-4840">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354.75pt; position: var(--position); top: 84pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.59pt;"></span></span><span style="left: 18.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3075" decimals="-6" name="ifrs-full:UnusedProvisionReversedOtherProvisions" scale="6" id="f-4841">166</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:UnusedProvisionReversedOtherProvisions" scale="6" id="f-4842">82</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:UnusedProvisionReversedOtherProvisions" scale="6" id="f-4843">221</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 139.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 139.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Utilised<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 139.5pt; position: var(--position); top: 98.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.84pt;"></span></span><span style="left: 20.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3070" decimals="-6" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="f-4844">356</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 181.5pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3071" decimals="-6" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="f-4845">170</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 226.5pt; position: var(--position); top: 98.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3072" decimals="-6" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="f-4846">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 268.5pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3073" decimals="-6" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="f-4847">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 98.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.15pt;"></span></span><span style="left: 24.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3074" decimals="-6" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="f-4848">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354.75pt; position: var(--position); top: 98.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.65pt;"></span></span><span style="left: 23.279999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3075" decimals="-6" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="f-4849">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="f-4850">389</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProvisionUsedOtherProvisions" scale="6" id="f-4851">218</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 112.5pt; width: 139.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 139.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 139.5pt; position: var(--position); top: 112.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.96pt;"></span></span><span style="left: 30.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3070" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" scale="6" id="f-4852">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 181.5pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3071" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" id="f-4853"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 226.5pt; position: var(--position); top: 112.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.31pt;"></span></span><span style="left: 33.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3072" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" scale="6" id="f-4854">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 268.5pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3073" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" id="f-4855"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 112.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.21pt;"></span></span><span style="left: 29.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3074" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" scale="6" id="f-4856">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354.75pt; position: var(--position); top: 112.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.12pt;"></span></span><span style="left: 36.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3075" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" id="f-4857"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" scale="6" id="f-4858">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions" scale="6" id="f-4859">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 126.75pt; width: 139.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 139.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other changes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 139.5pt; position: var(--position); top: 126.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.96pt;"></span></span><span style="left: 30.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3070" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesOtherProvisions" scale="6" id="f-4860">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 181.5pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3071" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesOtherProvisions" scale="6" id="f-4861">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 226.5pt; position: var(--position); top: 126.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.25pt;"></span></span><span style="left: 28.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3072" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesOtherProvisions" scale="6" id="f-4862">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 268.5pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3073" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesOtherProvisions" id="f-4863"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 126.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3074" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesOtherProvisions" scale="6" id="f-4864">104</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354.75pt; position: var(--position); top: 126.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.12pt;"></span></span><span style="left: 36.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3075" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesOtherProvisions" id="f-4865"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesOtherProvisions" scale="6" id="f-4866">94</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesOtherProvisions" scale="6" id="f-4867">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 141pt; width: 139.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 139.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 139.5pt; position: var(--position); top: 141pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.65pt;"></span></span><span style="left: 23.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3058" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" scale="6" id="f-4868">231</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 181.5pt; position: var(--position); top: 141pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3059" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" scale="6" id="f-4869">418</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 226.5pt; position: var(--position); top: 141pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.65pt;"></span></span><span style="left: 23.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3060" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" scale="6" id="f-4870">193</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 268.5pt; position: var(--position); top: 141pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3061" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" scale="6" id="f-4871">150</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 313.5pt; position: var(--position); top: 141pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.9pt;"></span></span><span style="left: 22.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3076" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" scale="6" id="f-4872">355</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 38.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354.75pt; position: var(--position); top: 141pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.4pt;"></span></span><span style="left: 21.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3068" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" scale="6" id="f-4873">455</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 141pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" scale="6" id="f-4874">779</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 141pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:OtherProvisionsBeforeLoanLoss" format="ixt:num-dot-decimal" scale="6" id="f-4875">1,022</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-4811-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 394.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Additions to provisions and unused amounts released are presented in <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 301.09000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">Note 26 'Other operating expenses'<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 427.36pt; position: var(--position); text-decoration: none; white-space: pre;"> in the Statement of Profit&#160;  <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 403.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">or Loss.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 413.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, the table was updated to exclude the IFRS 9 loan loss provisions for guarantees. The comparatives for 2022 have been <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 423.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">updated accordingly.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 65.2pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 150pt; position: var(--position); text-decoration: none; white-space: pre;">, amounts expected to be settled within 12 months in provisions amount to EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherShorttermProvisions" format="ixt:num-dot-decimal" scale="6" id="f-4876">720</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 89.28999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 94.97pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 117.49pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 142.62pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:OtherShorttermProvisions" format="ixt:num-dot-decimal" scale="6" id="f-4877">837</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 191.94pt; position: var(--position); text-decoration: none; white-space: pre;">). The amounts included are based on best estimates with regard to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">amounts and timing of cash flows required to settle the obligation. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 500.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reorganisation provisions<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 515.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, the additions to the reorganisation provisions mainly relate to restructuring activities in Belgium, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 527.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Poland and the Netherlands. The additions in 2022 mainly relate to the discontinuation of retail banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 539.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">activities in France and the restructuring of the branch network and retail advice organisation in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 551.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands, as well as to restructuring activities in Belgium. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">These initiatives are implemented over a period of several years and the estimate of the reorganisation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">provisions is inherently uncertain.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Litigation provisions<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 120.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 652pt; position: var(--position); text-decoration: none; white-space: pre;">Note 42 'Legal proceedings'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 775.72pt; position: var(--position); text-decoration: none; white-space: pre;"> for developments in litigation provisions. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 149.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other provisions<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023 ING Group voluntarily changed its accounting policy for non-financial guarantees that are subject to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 179.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contractual indemnification rights from IAS 37 principles to loan commitment accounting under IFRS 9. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 191.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">change from IAS 37 to IFRS 9 resulted in derecognition of the existing IAS 37 provision of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 969.9300000000001pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2123" decimals="-5" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4878">109</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1019.25pt; position: var(--position); text-decoration: none; white-space: pre;"> as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 203.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">per 1 January 2023 and recognition of a provision for Expected credit losses of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 927.16pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3077" decimals="-6" sign="-" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-4879">151</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 976.48pt; position: var(--position); text-decoration: none; white-space: pre;"> for non-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 215.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial guarantees as per 1 January 2023 (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 774.7pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3078" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-4880">42</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 818.39pt; position: var(--position); text-decoration: none; white-space: pre;"> pre-tax impact on Equity at the beginning of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 227.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2023). This change is included in Other changes in the movement table.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 254.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For details and changes on loan loss provisioning, refer to &#8216;Risk management &#8211; Credit risk&#8217; paragraph 'Loan <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 266.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">loss provisioning'. For details on the IFRS change, refer to Note 1.3.1 'Changes in IFRS effective in 2023'.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 293.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2022, the additions and releases include EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 768.5799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3079" decimals="-6" name="ifrs-full:AdditionalProvisionsOtherProvisions" format="ixt:num-dot-decimal" scale="6" id="f-4881">138</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 817.9pt; position: var(--position); text-decoration: none; white-space: pre;"> and EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 860.3599999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3079" decimals="-6" name="ifrs-full:UnusedProvisionReversedOtherProvisions" format="ixt:num-dot-decimal" scale="6" id="f-4882">141</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 909.6800000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 912.1800000000001pt; position: var(--position); text-decoration: none; white-space: pre;">respectively related to IAS <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 305.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">37 off balance facilities that in 2023 are included in IFRS 9 loan loss provisions. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 332.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The additions to the Other provisions in 2022 include EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 812.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3080" decimals="-6" name="ifrs-full:AdditionalProvisionsOtherProvisions" format="ixt:num-dot-decimal" scale="6" id="f-4883">75</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 856.3499999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> which relates to the provision for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 344.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compensation of Dutch retail customers for past interest charges that did not sufficiently track market rates <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 356.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and largely reflects the impact of interest-on-interest compensation. This is in addition to the provision of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 368.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 575.24pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3081" decimals="-6" name="ifrs-full:AdditionalProvisionsOtherProvisions" format="ixt:num-dot-decimal" scale="6" id="f-4884">180</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 624.56pt; position: var(--position); text-decoration: none; white-space: pre;"> recognised in 2021.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -274<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_232"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfOtherLiabilitiesExplanatory" id="f-4885" continuedAt="f-4885-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">16&#160;  Other liabilities<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4885-1"><div style="position: var(--position); top: 81.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfDetailedInformationAboutOtherLiabilitiesTableTextBlock" id="f-4886" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Other liabilities by type<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net defined benefit liability<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:RecognisedLiabilitiesDefinedBenefitPlan" scale="6" id="f-4887">164</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:RecognisedLiabilitiesDefinedBenefitPlan" scale="6" id="f-4888">139</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other post-employment benefits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:PensionAndOtherPostEmploymentBenefit" scale="6" id="f-4889">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:PensionAndOtherPostEmploymentBenefit" scale="6" id="f-4890">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other staff-related liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:OtherStaffRelatedLiabilities" scale="6" id="f-4891">719</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:OtherStaffRelatedLiabilities" scale="6" id="f-4892">633</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share-based payment plan liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LiabilitiesFromSharebasedPaymentTransactions2011" scale="6" id="f-4893">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LiabilitiesFromSharebasedPaymentTransactions2011" scale="6" id="f-4894">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other taxation and social security contributions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CurrentPayablesOnSocialSecurityAndTaxesOtherThanIncomeTax" scale="6" id="f-4895">641</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CurrentPayablesOnSocialSecurityAndTaxesOtherThanIncomeTax" scale="6" id="f-4896">365</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rents received in advance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Advances" scale="6" id="f-4897">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:Advances" scale="6" id="f-4898">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 112.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Costs payable<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:TradeAndOtherPayablesToTradeSuppliers" format="ixt:num-dot-decimal" scale="6" id="f-4899">2,170</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:TradeAndOtherPayablesToTradeSuppliers" format="ixt:num-dot-decimal" scale="6" id="f-4900">2,016</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 126.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts to be settled<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:ItemsInCourseOfTransmissionToOtherBanks" format="ixt:num-dot-decimal" scale="6" id="f-4901">6,509</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:ItemsInCourseOfTransmissionToOtherBanks" format="ixt:num-dot-decimal" scale="6" id="f-4902">6,715</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 141pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Lease liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 141pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LeaseLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4903">1,162</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 141pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LeaseLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4904">1,174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 155.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 155.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:OtherLiabilitiesClassifiedAsOther" format="ixt:num-dot-decimal" scale="6" id="f-4905">2,258</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 155.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:OtherLiabilitiesClassifiedAsOther" format="ixt:num-dot-decimal" scale="6" id="f-4906">2,543</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 169.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4907">13,667</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 169.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4908">13,646</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 285.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Disclosures in respect of Net defined benefit liabilities are provided in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 348.67999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">Note 33 'Pensions and other post-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 297.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">employment benefits'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 138.9pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 324.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Other staff-related liabilities includes vacation leave provisions, jubilee provisions, disability/illness provisions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 336.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and liabilities related with variable compensations.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As of 2023, ING decided to no longer issue shares in order to fund obligations arising from share-based <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">employee incentive programmes but buy back shares from the market.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 359.78pt; position: var(--position); text-decoration: none; white-space: pre;"> Reference is made to Note 19 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">'Equity' for further information.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts to be settled includes primarily transactions not settled at the balance sheet date. The nature of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">these transactions is short term and have settled after the closing date of the balance sheet.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Lease liabilities relate to right-of-use assets. Disclosures in respect to right-of-use assets are provided in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Note 9 'Property and equipment'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 186.58pt; position: var(--position); text-decoration: none; white-space: pre;">. The total cash outflow for leases in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 349.41999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 371.94000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> was EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 414.95000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-4909">291</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 464.27pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 469.95000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 492.47pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 477.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-4910">296</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 89.28999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The line other relates mainly to amounts payable to customers which also includes the remaining EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:ShareBuybackProgrammeLiability" format="ixt:num-dot-decimal" scale="6" id="f-4911">538</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 89.28999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 142.62pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:ShareBuybackProgrammeLiability" format="ixt:num-dot-decimal" scale="6" id="f-4912">297</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 191.94pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 197.62pt; position: var(--position); text-decoration: none; white-space: pre;">obligation to the shareholders regarding the share buyback programme.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_235"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDebtSecuritiesExplanatory" id="f-4913" continuedAt="f-4913-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">17&#160;  Debt securities in issue<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4913-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 81.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities in issue relates to debentures and other issued debt securities with either fixed interest rates <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 98.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">or interest rates based on floating interest rate levels, such as certificates of deposit and accepted bills <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 110.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">issued by ING Group, except for subordinated items. Debt securities in issue does not include debt securities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 122.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">presented as Financial liabilities at fair value through profit or loss. ING Group does not have debt securities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 134.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that are issued on terms other than those available in the normal course of business.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 161.51pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfDebtSecuritiesContractualMaturityScheduleTableTextBlock" id="f-4914" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities in issue &#8211; maturities<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fixed rate debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Within 1 year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3082" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4915">31,255</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3083" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4916">21,176</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">More than 1 year but less than 2 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3084" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4917">7,855</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3085" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4918">2,777</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">More than 2 years but less than 3 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3086" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4919">13,361</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3087" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4920">7,897</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">More than 3 years but less than 4 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3088" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4921">10,265</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3089" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4922">10,067</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">More than 4 years but less than 5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3090" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4923">11,924</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3091" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4924">8,039</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 103.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">More than 5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3092" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4925">26,987</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3093" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4926">28,582</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 116.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total fixed rate debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3094" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4927">101,645</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3095" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4928">78,539</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 141.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Floating rate debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 154.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Within 1 year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3096" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4929">17,871</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3097" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4930">15,286</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 167.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">More than 1 year but less than 2 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 167.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3098" decimals="-6" name="ifrs-full:DebtSecurities" scale="6" id="f-4931">226</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 167.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3099" decimals="-6" name="ifrs-full:DebtSecurities" scale="6" id="f-4932">307</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 180pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">More than 2 years but less than 3 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3100" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4933">2,624</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3101" decimals="-6" name="ifrs-full:DebtSecurities" scale="6" id="f-4934">256</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 192.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">More than 3 years but less than 4 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 192.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3102" decimals="-6" name="ifrs-full:DebtSecurities" scale="6" id="f-4935">880</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 192.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3103" decimals="-6" name="ifrs-full:DebtSecurities" scale="6" id="f-4936">958</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 205.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">More than 4 years but less than 5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 205.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3104" decimals="-6" name="ifrs-full:DebtSecurities" scale="6" id="f-4937">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 205.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3105" decimals="-6" name="ifrs-full:DebtSecurities" scale="6" id="f-4938">467</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 218.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">More than 5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 218.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3106" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4939">1,423</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 218.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3107" decimals="-6" name="ifrs-full:DebtSecurities" scale="6" id="f-4940">105</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 231pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total floating rate debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 231pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3108" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4941">23,025</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 231pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3109" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4942">17,379</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 256.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 256.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4943">124,670</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 256.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-4944">95,918</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 652pt; position: var(--position); text-decoration: none; white-space: pre;">Note 32 'Changes in liabilities arising from financing activities'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 927.01pt; position: var(--position); text-decoration: none; white-space: pre;"> for further information <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on issuances, redemptions and non-cash movements.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -275<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_238"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfBorrowingsExplanatory" id="f-4945" continuedAt="f-4945-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">18&#160;  Subordinated loans<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4945-1"><div style="position: var(--position); top: 81.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory" id="f-4946" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Subordinated loans <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Subordinated loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4947">15,401</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4948">15,786</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Subordinated loans are bonds issued by ING Groep N.V. and ING Bank N.V. to raise Tier 1 and Tier 2 (CRD IV <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">eligible) capital. Under IFRS these bonds are classified as liabilities and for regulatory purposes, they are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">considered capital.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 193.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 48.3pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 50.8pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 73.32pt; position: var(--position); text-decoration: none; white-space: pre;"> ING Groep N.V. issued in February <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 227.71pt; position: var(--position); text-decoration: none; white-space: pre;">EUR<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 245.43pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 247.93pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3110" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4949">500</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 297.25pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 299.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3110" decimals="4" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="f-4950">5.00</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 327.65999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"> Fixed Rate Subordinated Tier 2 Notes, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 499.1pt; position: var(--position); text-decoration: none; white-space: pre;">GBP<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 516.56pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 205.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="gbp" contextRef="c-3111" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-4951">750</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 89.28999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 94.28999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3111" decimals="4" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="f-4952">6.25</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 122.2pt; position: var(--position); text-decoration: none; white-space: pre;"> Fixed Rate Subordinated Tier 2 Notes and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 310.97pt; position: var(--position); text-decoration: none; white-space: pre;">USD<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 329.27pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 331.77pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="usd" contextRef="c-3112" decimals="-9" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="9" id="f-4953">1</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 366.21000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 368.71000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3112" decimals="4" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="f-4954">7.50</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 396.62pt; position: var(--position); text-decoration: none; white-space: pre;"> Perpetual AT1 Contingent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 217.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Convertible Capital Securities. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023 ING Groep N.V. redeemed in March&#160; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 235.58pt; position: var(--position); text-decoration: none; white-space: pre;">USD<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 253.88pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 256.38pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="usd" contextRef="c-3113" decimals="-6" name="ifrs-full:RepaymentsOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-4955">1,250</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 313.74pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 316.24pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3114" decimals="4" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="f-4956">4.70</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 344.15pt; position: var(--position); text-decoration: none; white-space: pre;"> Fixed Subordinated Tier 2 notes, in April&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">EUR<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 57.69pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 60.19pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3115" decimals="-9" name="ifrs-full:RepaymentsOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="9" id="f-4957">1</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 94.63pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 97.13pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 99.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3116" decimals="5" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="f-4958">3.00</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 127.53999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> Fixed Subordinated Tier 2 notes on the first call dates.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 283.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023 ING Bank N.V. redeemed in September <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 249.65pt; position: var(--position); text-decoration: none; white-space: pre;">USD<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 267.95pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 270.45pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="usd" contextRef="c-3117" decimals="-6" name="ifrs-full:RepaymentsOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-4959">810</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 319.77pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 322.27pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3118" decimals="4" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="f-4960">5.80</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 350.17999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> Fixed <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 378.22pt; position: var(--position); text-decoration: none; white-space: pre;">Rate Subordinated Tier 2 notes.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 136.95pt; position: var(--position); text-decoration: none; white-space: pre;">Note 32 'Changes in liabilities arising from financing activities'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 411.96000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> for further information <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on issuances and redemptions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The average interest rate on subordinated loans is <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 266.88pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3119" decimals="4" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="f-4961">4.44</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 294.78999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 300.47pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 322.99pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 327.9pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3120" decimals="4" name="ifrs-full:BorrowingsInterestRate" scale="-2" id="f-4962">4.01</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 355.80999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">). The interest expense during the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">year <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 62.87pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.39pt; position: var(--position); text-decoration: none; white-space: pre;"> was EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 128.4pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3121" decimals="-6" name="ing:InterestExpenseOnSubordinatedLoans" format="ixt:num-dot-decimal" scale="6" id="f-4963">708</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 177.72pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 183.4pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 205.92pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 231.05pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3122" decimals="-6" name="ing:InterestExpenseOnSubordinatedLoans" format="ixt:num-dot-decimal" scale="6" id="f-4964">648</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 280.37pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_241"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory" id="f-4965" continuedAt="f-4965-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">19&#160;  Equity<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-4965-1" continuedAt="f-4965-2"><div style="position: var(--position); top: 81.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfEquityTableTextBlock" id="f-4966" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Total equity<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share capital and share premium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-&#160;&#160;Share capital<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:IssuedCapital" scale="6" id="f-4967">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:IssuedCapital" scale="6" id="f-4968">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:IssuedCapital" scale="6" id="f-4969">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-&#160;&#160;Share premium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-4970">17,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-4971">17,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-4972">17,105</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:ShareCapitalAndSharePremium" format="ixt:num-dot-decimal" scale="6" id="f-4973">17,151</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:ShareCapitalAndSharePremium" format="ixt:num-dot-decimal" scale="6" id="f-4974">17,154</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:ShareCapitalAndSharePremium" format="ixt:num-dot-decimal" scale="6" id="f-4975">17,144</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-&#160;&#160;Revaluation reserve: Equity securities at FVOCI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 114pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2691" decimals="-6" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4976">1,152</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 114pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2692" decimals="-6" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4977">1,187</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 114pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3123" decimals="-6" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-4978">1,282</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 128.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-&#160;&#160;Revaluation reserve: Debt instruments at FVOCI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3124" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-4979">280</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3125" decimals="-6" sign="-" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-4980">341</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3126" decimals="-6" name="ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-4981">96</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 142.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-&#160;&#160;Revaluation reserve: Cash flow hedge<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 142.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-4982">2,058</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 142.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-4983">3,055</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 142.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedges" scale="6" id="f-4984">153</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 156.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-&#160;&#160;Revaluation reserve: Credit liability<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 156.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:RevaluationReservesCreditLiability" scale="6" id="f-4985">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 156.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:RevaluationReservesCreditLiability" scale="6" id="f-4986">70</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 156.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ing:RevaluationReservesCreditLiability" scale="6" id="f-4987">80</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 171pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-&#160;&#160;Revaluation reserve: Property in own use<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 171pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:ReserveOfPropertyInOwnUse" scale="6" id="f-4988">178</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 171pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:ReserveOfPropertyInOwnUse" scale="6" id="f-4989">176</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 171pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:ReserveOfPropertyInOwnUse" scale="6" id="f-4990">208</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 185.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-&#160;&#160;Net defined benefit asset/liability remeasurement reserve<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 185.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-4991">317</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 185.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-4992">232</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 185.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-4993">212</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 199.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-&#160;&#160;Currency translation reserve<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 199.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-4994">2,527</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 199.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-4995">2,395</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 199.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-4996">3,483</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 213.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-&#160;&#160;Share of associates and joint ventures and other reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 213.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:ReserveFromShareOfChangesInEquitiesOfAssociatesAndJointVenture" format="ixt:num-dot-decimal" scale="6" id="f-4997">3,047</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 213.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:ReserveFromShareOfChangesInEquitiesOfAssociatesAndJointVenture" format="ixt:num-dot-decimal" scale="6" id="f-4998">3,603</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 213.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:ReserveFromShareOfChangesInEquitiesOfAssociatesAndJointVenture" format="ixt:num-dot-decimal" scale="6" id="f-4999">3,416</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 228pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-&#160;&#160;Treasury shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 228pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:TreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-5000">1,994</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 228pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:TreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-5001">1,205</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 228pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:TreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-5002">1,612</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 242.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.77pt;"></span></span><span style="left: 15.399999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5003">2,767</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 242.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.77pt;"></span></span><span style="left: 15.399999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5004">2,192</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 242.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.17pt;"></span></span><span style="left: 22.8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:OtherReserves" scale="6" id="f-5005">540</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 272.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retained earnings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 272.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-5006">40,299</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 272.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-5007">41,538</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 272.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-5008">35,462</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 302.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholders&#8217; equity (parent)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 302.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:EquityAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5009">54,684</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 302.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:EquityAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5010">56,500</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 302.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:EquityAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5011">52,066</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 316.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-controlling interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 316.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-5012">944</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 316.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-5013">504</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 316.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:NoncontrollingInterests" scale="6" id="f-5014">736</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 330.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 330.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-5015">55,628</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 330.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-5016">57,004</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 330.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-5017">52,802</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 446.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustments for hyperinflation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 458.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 570.88pt; position: var(--position); text-decoration: none; white-space: pre;"> applies IAS 29 &#8216;Hyperinflation&#8217; on its investment in T&#252;rkiye since 2022. The IAS 29 indexation impact on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">equity was EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 626.51pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3127" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-5018">54</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 670.2pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 675.88pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 698.4pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 723.53pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3128" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-5019">100</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 740.42pt; position: var(--position); text-decoration: none; white-space: pre;"> million including a one-off impact of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 927.21pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3129" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-5020">64</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 938.47pt; position: var(--position); text-decoration: none; white-space: pre;"> million) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 976.5799999999999pt; position: var(--position); text-decoration: none; white-space: pre;">of which <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1016.89pt; position: var(--position); text-decoration: none; white-space: pre;"> EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 482.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3127" decimals="-6" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-5021">284</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 604.34pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 610.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 632.54pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 657.67pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3128" decimals="-6" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-5022">1,011</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 682.6pt; position: var(--position); text-decoration: none; white-space: pre;"> million) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 720.71pt; position: var(--position); text-decoration: none; white-space: pre;">in the currency translation reserve, EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 899.88pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3127" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:fixed-zero" scale="6" id="f-5023">0 million</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 937.94pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 943.62pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 966.14pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 991.27pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3128" decimals="-6" sign="-" name="ifrs-full:RetainedEarnings" scale="6" id="f-5024">563</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1011.89pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 588.13pt; position: var(--position); text-decoration: none; white-space: pre;"> in retained earnings, EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 705.23pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3127" decimals="-6" name="ing:RevaluationReserves" format="ixt:num-dot-decimal" scale="6" id="f-5025">3</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 743.29pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 748.97pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 771.49pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 796.62pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3128" decimals="-6" sign="-" name="ing:RevaluationReserves" scale="6" id="f-5026">17</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 811.6099999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> million) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 849.72pt; position: var(--position); text-decoration: none; white-space: pre;">in revaluation reserves and EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 993.28pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3130" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" format="ixt:num-dot-decimal" scale="6" id="f-5027">234</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 584.9499999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 590.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 613.15pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 638.28pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3131" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" format="ixt:num-dot-decimal" scale="6" id="f-5028">331</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 691.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;">)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 694.51pt; position: var(--position); text-decoration: none; white-space: pre;"> in profit or loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -276<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-4965-2" continuedAt="f-4965-3"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Share capital and share premium<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 79.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfClassesOfShareCapitalExplanatory" id="f-5029" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 156.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 483pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Share capital<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327.75pt; position: var(--position); top: 14.25pt; width: 155.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 3.19pt; width: 155.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.54pt; position: var(--position); text-decoration: none; white-space: pre;">Ordinary shares (par value EUR&#160;<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 132.42pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3132" decimals="2" name="ifrs-full:ParValuePerShare" scale="0" id="f-5030">0.01</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 149.76pt; position: var(--position); text-decoration: none; white-space: pre;">)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 28.5pt; width: 171pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 171pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 104.27pt; position: var(--position); text-decoration: none; white-space: pre;">Number x 1,000<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327.75pt; position: var(--position); top: 28.5pt; width: 155.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 155.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 97.8pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 42.75pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 33.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 213.75pt; position: var(--position); top: 42.75pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 33.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 42.75pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 33.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327.75pt; position: var(--position); top: 42.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 42.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 431.25pt; position: var(--position); top: 42.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.16pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Authorised share capital<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 57pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-20" decimals="-3" name="ifrs-full:NumberOfSharesAuthorised" format="ixt:num-dot-decimal" scale="3" id="f-5031">9,142,000</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 213.75pt; position: var(--position); top: 57pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-21" decimals="-3" name="ifrs-full:NumberOfSharesAuthorised" format="ixt:num-dot-decimal" scale="3" id="f-5032">9,142,000</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 57pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.57pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-22" decimals="-3" name="ifrs-full:NumberOfSharesAuthorised" format="ixt:num-dot-decimal" scale="3" id="f-5033">14,729,000</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327.75pt; position: var(--position); top: 57pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36pt;"></span></span><span style="left: 38.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:SharesAuthorizedValue" scale="6" id="f-5034">91</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 57pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36pt;"></span></span><span style="left: 38.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:SharesAuthorizedValue" scale="6" id="f-5035">91</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 431.25pt; position: var(--position); top: 57pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:SharesAuthorizedValue" scale="6" id="f-5036">147</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unissued share capital<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 71.25pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="-3" name="ing:UnissuedSharesNumber" format="ixt:num-dot-decimal" scale="3" id="f-5037">5,643,806</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 213.75pt; position: var(--position); top: 71.25pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-23" decimals="-3" name="ing:UnissuedSharesNumber" format="ixt:num-dot-decimal" scale="3" id="f-5038">5,415,461</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 71.25pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.57pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-2587" decimals="-3" name="ing:UnissuedSharesNumber" format="ixt:num-dot-decimal" scale="3" id="f-5039">10,824,935</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327.75pt; position: var(--position); top: 71.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36pt;"></span></span><span style="left: 38.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:UnissuedSharesValue" scale="6" id="f-5040">56</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 71.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36pt;"></span></span><span style="left: 38.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:UnissuedSharesValue" scale="6" id="f-5041">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 431.25pt; position: var(--position); top: 71.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.94pt;"></span></span><span style="left: 33.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:UnissuedSharesValue" scale="6" id="f-5042">108</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 156.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 156.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Issued share capital<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 156.75pt; position: var(--position); top: 85.5pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.37pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-20" decimals="0" name="ifrs-full:NumberOfSharesIssued" format="ixt:num-dot-decimal" scale="3" id="f-5043">3,498,194</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 213.75pt; position: var(--position); top: 85.5pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.37pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-21" decimals="-3" name="ifrs-full:NumberOfSharesIssued" format="ixt:num-dot-decimal" scale="3" id="f-5044">3,726,539</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 85.5pt; width: 57pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.37pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-22" decimals="-3" name="ifrs-full:NumberOfSharesIssued" format="ixt:num-dot-decimal" scale="3" id="f-5045">3,904,065</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327.75pt; position: var(--position); top: 85.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.64pt;"></span></span><span style="left: 38.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:IssuedCapital" scale="6" id="f-5046">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 85.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.64pt;"></span></span><span style="left: 38.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:IssuedCapital" scale="6" id="f-5047">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 431.25pt; position: var(--position); top: 85.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.64pt;"></span></span><span style="left: 38.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:IssuedCapital" scale="6" id="f-5048">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="position: var(--position); top: 184.46pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory" id="f-5049" continuedAt="f-5049-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 483.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 329.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 483.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in issued share capital<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 14.25pt; width: 154.5pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 3.75pt; width: 154.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.79pt; position: var(--position); text-decoration: none; white-space: pre;">Ordinary shares (par value EUR&#160;<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 131.67pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3132" decimals="2" name="ifrs-full:ParValuePerShare" scale="0" id="f-5050">0.01</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 149.01pt; position: var(--position); text-decoration: none; white-space: pre;">)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 28.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.52pt; position: var(--position); text-decoration: none; white-space: pre;">Number x 1,000<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 406.5pt; position: var(--position); top: 28.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.8pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 329.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 3.19pt; width: 329.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Issued share capital as at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 106.33pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 42.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.88pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-2638" decimals="-3" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-5051">3,900,669</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 406.5pt; position: var(--position); top: 42.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.5pt;"></span></span><span style="left: 64.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2638" decimals="-6" name="ifrs-full:IssuedCapital" scale="6" id="f-5052">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 329.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 329.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Issue of shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 57pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 52.22pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-2587" decimals="-3" name="ifrs-full:IncreaseDecreaseInNumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-5053">3,397</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 406.5pt; position: var(--position); top: 57pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.62pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 329.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 3.19pt; width: 329.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Issued share capital as at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 106.33pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 71.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 33.62pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-22" decimals="-3" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-5054">3,904,065</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 406.5pt; position: var(--position); top: 71.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.5pt;"></span></span><span style="left: 64.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:IssuedCapital" scale="6" id="f-5055">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 329.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 329.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Issue of shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 85.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 52.22pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-23" decimals="-3" name="ifrs-full:IncreaseDecreaseInNumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-5056">2,935</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 406.5pt; position: var(--position); top: 85.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.62pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 329.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 329.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cancellation of shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 99.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.75pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="shares" contextRef="c-23" decimals="-3" name="ing:CancellationOfTreasuryStockShares" format="ixt:num-dot-decimal" scale="3" id="f-5057">180,461</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 406.5pt; position: var(--position); top: 99.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.21pt;"></span></span><span style="left: 65.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:CancellationOfTreasuryShares" scale="6" id="f-5058">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 329.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 3.19pt; width: 329.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Issued share capital as at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 106.33pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 114pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 33.62pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-21" decimals="-3" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-5059">3,726,539</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 406.5pt; position: var(--position); top: 114pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.5pt;"></span></span><span style="left: 64.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:IssuedCapital" scale="6" id="f-5060">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 128.25pt; width: 329.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 329.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Issue of shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 128.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.56pt;"></span></span><span style="left: 69.19pt; position: var(--position);"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="-3" name="ifrs-full:IncreaseDecreaseInNumberOfSharesOutstanding" scale="3" id="f-5061">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 406.5pt; position: var(--position); top: 128.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.56pt;"></span></span><span style="left: 69.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IssueOfEquity" scale="6" id="f-5062">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 142.5pt; width: 329.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 329.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cancellation of shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 142.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.75pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="shares" contextRef="c-1" decimals="-3" name="ing:CancellationOfTreasuryStockShares" format="ixt:num-dot-decimal" scale="3" id="f-5063">228,350</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 406.5pt; position: var(--position); top: 142.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.21pt;"></span></span><span style="left: 65.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:CancellationOfTreasuryShares" scale="6" id="f-5064">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 156.75pt; width: 329.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 3.19pt; width: 329.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Issued share capital as at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 106.33pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 156.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 33.62pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-20" decimals="-3" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-5065">3,498,194</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 406.5pt; position: var(--position); top: 156.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.5pt;"></span></span><span style="left: 64.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:IssuedCapital" scale="6" id="f-5066">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 50.8pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 73.32pt; position: var(--position); text-decoration: none; white-space: pre;">, ING Groep N.V. issued <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 176.91pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3133" decimals="-5" name="ifrs-full:IncreaseDecreaseInNumberOfSharesOutstanding" scale="6" id="f-5067">0.0</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 190.58pt; position: var(--position); text-decoration: none; white-space: pre;"> million ordinary shares (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 301.20000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 323.72pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 328.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3134" decimals="-5" name="ifrs-full:IncreaseDecreaseInNumberOfSharesOutstanding" scale="6" id="f-5068">2.9</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 342.29999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> million and in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 407.58000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 430.1pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 435.01pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3135" decimals="-5" name="ifrs-full:IncreaseDecreaseInNumberOfSharesOutstanding" scale="6" id="f-5069">3.4</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 448.67999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> million ordinary <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shares). In 2022 and 2021, shares were issued in order to fund obligations arising from share-based <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">employee incentive programmes. As from 2023 these shares are repurchased from the market. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">cancellation of shares relate to the shares purchased under the share buyback programmes (reference is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">made to 'Ordinary shares held by ING Group (treasury shares)').<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 65.2pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 150pt; position: var(--position); text-decoration: none; white-space: pre;"> ING Groep N.V. has issued USD <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 290.44pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="usd" contextRef="c-3136" decimals="-6" name="ifrs-full:IssuedCapitalPreferenceShares" format="ixt:num-dot-decimal" scale="6" id="f-5070">7,750</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 315.37pt; position: var(--position); text-decoration: none; white-space: pre;"> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 347.79999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 353.48pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 376pt; position: var(--position); text-decoration: none; white-space: pre;">: USD <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 401.71000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="usd" contextRef="c-3137" decimals="-6" name="ifrs-full:IssuedCapitalPreferenceShares" format="ixt:num-dot-decimal" scale="6" id="f-5071">6,750</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 426.64pt; position: var(--position); text-decoration: none; white-space: pre;"> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 459.07000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">) Perpetual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Additional Tier 1 Contingent Convertible Capital Securities which can, in accordance with their terms and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">conditions, convert by operation of law into ordinary shares if the conditions to such a conversion are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fulfilled. As a result of this conversion, the issued share capital can increase by up to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 416.9pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="ifrs-full:IssueOfConvertibleInstruments" scale="6" id="f-5072">864</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 433.78999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> million (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 471.9pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 494.41999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 499.33000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="usd" contextRef="c-23" decimals="-6" name="ifrs-full:IssueOfConvertibleInstruments" scale="6" id="f-5073">750</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 516.22pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.9pt; position: var(--position); text-decoration: none; white-space: pre;">) ordinary shares. Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 247.48pt; position: var(--position); text-decoration: none; white-space: pre;">Note 18 'Subordinated loans'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 376.59000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Ordinary shares<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">All ordinary shares are registered. No share certificates have been issued. The par value of ordinary shares is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 575.24pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 577.74pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3132" decimals="2" name="ifrs-full:ParValuePerShare" scale="0" id="f-5074">0.01</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 597.04pt; position: var(--position); text-decoration: none; white-space: pre;">. The authorised ordinary share capital of ING Groep N.V. currently consists of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 944.0799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-20" decimals="-6" name="ifrs-full:NumberOfSharesAuthorised" format="ixt:num-dot-decimal" scale="6" id="f-5075">9,142</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 969.01pt; position: var(--position); text-decoration: none; white-space: pre;"> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1001.44pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ordinary shares. As at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 655.17pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 739.97pt; position: var(--position); text-decoration: none; white-space: pre;">, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 744.88pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-20" decimals="-6" name="ifrs-full:NumberOfSharesIssued" format="ixt:num-dot-decimal" scale="6" id="f-5076">3,498</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 769.81pt; position: var(--position); text-decoration: none; white-space: pre;"> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 802.24pt; position: var(--position); text-decoration: none; white-space: pre;"> ordinary shares were issued and fully paid.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Ordinary shares held by ING Group (Treasury shares)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 580.25pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 665.05pt; position: var(--position); text-decoration: none; white-space: pre;">, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 669.96pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3138" decimals="-5" name="ifrs-full:NumberOfSharesIssued" format="ixt:num-dot-decimal" scale="6" id="f-5077">154.6</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 727.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 729.8199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">ordinary shares (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 805.51pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 828.03pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 832.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3139" decimals="-5" name="ifrs-full:NumberOfSharesIssued" format="ixt:num-dot-decimal" scale="6" id="f-5078">107.4</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 890.3pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 912.54pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 935.06pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 939.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3140" decimals="-5" name="ifrs-full:NumberOfSharesIssued" format="ixt:num-dot-decimal" scale="6" id="f-5079">128.3</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 997.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;">) of ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Groep N.V. with a par value of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 710.18pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3132" decimals="2" name="ifrs-full:ParValuePerShare" scale="0" id="f-5080">0.01</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 729.48pt; position: var(--position); text-decoration: none; white-space: pre;"> are held by ING Groep N.V. or its subsidiaries.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 178.91pt; width: 1080pt;"><ix:continuation id="f-5049-1" continuedAt="f-5049-2"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Share premium<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-5081">17,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-5082">17,105</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2638" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-5083">17,089</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Issue of shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:IssueOfSharePremiumValue" scale="6" id="f-5084">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:IssueOfSharePremiumValue" scale="6" id="f-5085">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:IssueOfSharePremiumValue" scale="6" id="f-5086">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-5087">17,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-5088">17,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-5089">17,105</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 268.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The increase in share premium in prior years, is a result of the issuance of ordinary shares related to share-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 280.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">based employee incentive programmes. As from 2023 these shares are repurchased from the market.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 307.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other reserves<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 322.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Revaluation reserves<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 336.46pt; width: 1080pt;"><ix:continuation id="f-5049-2" continuedAt="f-5049-3"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 477.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 189.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 477.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 477.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in revaluation reserve: Equity securities and Debt instruments at FVOCI<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 6.75pt;"><td colspan="1" rowspan="2" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="2" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 18pt; left: 189.75pt; position: var(--position); top: 14.25pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.5pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.41pt; position: var(--position); text-decoration: none; white-space: pre;">Equity securities at FVOCI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="2" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 18pt; left: 333.75pt; position: var(--position); top: 14.25pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.5pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.09pt; position: var(--position); text-decoration: none; white-space: pre;">Debt instruments at FVOCI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="7" rowspan="1" style="display: none;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #b6b6b6; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 32.25pt; width: 189.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 189.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 189.75pt; position: var(--position); top: 32.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 237.75pt; position: var(--position); top: 32.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 285.75pt; position: var(--position); top: 32.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 333.75pt; position: var(--position); top: 32.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 381.75pt; position: var(--position); top: 32.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 429.75pt; position: var(--position); top: 32.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #b6b6b6; border-top: 1pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 45pt; width: 189.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 189.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 189.75pt; position: var(--position); top: 45pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3141" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5090">1,187</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 237.75pt; position: var(--position); top: 45pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3142" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5091">1,282</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 285.75pt; position: var(--position); top: 45pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3143" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5092">1,181</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 45pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.84pt;"></span></span><span style="left: 26.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3144" decimals="-6" sign="-" name="ifrs-full:OtherReserves" scale="6" id="f-5093">341</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381.75pt; position: var(--position); top: 45pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.25pt;"></span></span><span style="left: 34.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3145" decimals="-6" name="ifrs-full:OtherReserves" scale="6" id="f-5094">96</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 429.75pt; position: var(--position); top: 45pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3146" decimals="-6" name="ifrs-full:OtherReserves" scale="6" id="f-5095">309</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #b6b6b6; border-top: 1pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 59.25pt; width: 189.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 189.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unrealised revaluations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 189.75pt; position: var(--position); top: 59.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.9pt;"></span></span><span style="left: 31.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3147" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluations" scale="6" id="f-5096">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 237.75pt; position: var(--position); top: 59.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.84pt;"></span></span><span style="left: 26.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3148" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluations" scale="6" id="f-5097">118</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 285.75pt; position: var(--position); top: 59.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.25pt;"></span></span><span style="left: 34.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3149" decimals="-6" name="ing:IncreaseDecreaseInUnrealisedRevaluations" scale="6" id="f-5098">94</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 59.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.25pt;"></span></span><span style="left: 34.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3150" decimals="-6" name="ing:IncreaseDecreaseInUnrealisedRevaluations" scale="6" id="f-5099">53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381.75pt; position: var(--position); top: 59.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.84pt;"></span></span><span style="left: 26.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3151" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluations" scale="6" id="f-5100">412</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 429.75pt; position: var(--position); top: 59.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.84pt;"></span></span><span style="left: 26.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3152" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluations" scale="6" id="f-5101">173</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #b6b6b6; border-top: 1pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 73.5pt; width: 189.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 189.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised gains/losses transferred to the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 189.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">statement of profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 333.75pt; position: var(--position); top: 73.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.31pt;"></span></span><span style="left: 39.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3150" decimals="-6" name="ing:GainLossOnRealizedTransferredToTheStatementOfProfitOrLoss" scale="6" id="f-5102">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 381.75pt; position: var(--position); top: 73.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.9pt;"></span></span><span style="left: 31.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3151" decimals="-6" sign="-" name="ing:GainLossOnRealizedTransferredToTheStatementOfProfitOrLoss" scale="6" id="f-5103">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 429.75pt; position: var(--position); top: 73.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.9pt;"></span></span><span style="left: 31.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3152" decimals="-6" sign="-" name="ing:GainLossOnRealizedTransferredToTheStatementOfProfitOrLoss" scale="6" id="f-5104">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #b6b6b6; border-top: 1pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 97.5pt; width: 189.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 189.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised revaluations transferred to retained <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 189.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">earnings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 189.75pt; position: var(--position); top: 97.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.31pt;"></span></span><span style="left: 39.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3147" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransferBetweenRevaluationReserveAndRetainedEarnings" scale="6" id="f-5105">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 237.75pt; position: var(--position); top: 97.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.25pt;"></span></span><span style="left: 34.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3148" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransferBetweenRevaluationReserveAndRetainedEarnings" scale="6" id="f-5106">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 285.75pt; position: var(--position); top: 97.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.31pt;"></span></span><span style="left: 39.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3149" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransferBetweenRevaluationReserveAndRetainedEarnings" scale="6" id="f-5107">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 333.75pt; position: var(--position); top: 97.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 381.75pt; position: var(--position); top: 97.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 429.75pt; position: var(--position); top: 97.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 121.5pt; width: 189.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 189.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f6f6f6; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 189.75pt; position: var(--position); top: 121.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.25pt;"></span></span><span style="left: 21.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3153" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5108">1,152</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 237.75pt; position: var(--position); top: 121.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.25pt;"></span></span><span style="left: 21.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3141" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5109">1,187</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 285.75pt; position: var(--position); top: 121.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.25pt;"></span></span><span style="left: 21.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3142" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5110">1,282</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f6f6f6; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333.75pt; position: var(--position); top: 121.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.17pt;"></span></span><span style="left: 25.8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3154" decimals="-6" sign="-" name="ifrs-full:OtherReserves" scale="6" id="f-5111">280</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f6f6f6; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381.75pt; position: var(--position); top: 121.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.17pt;"></span></span><span style="left: 25.8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3144" decimals="-6" sign="-" name="ifrs-full:OtherReserves" scale="6" id="f-5112">341</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f6f6f6; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 429.75pt; position: var(--position); top: 121.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.89pt;"></span></span><span style="left: 34.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3145" decimals="-6" name="ifrs-full:OtherReserves" scale="6" id="f-5113">96</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -277<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-4965-3" continuedAt="f-4965-4"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Equity securities at FVOCI<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 50.8pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 73.32pt; position: var(--position); text-decoration: none; white-space: pre;">, the unrealised revaluation of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 229.55pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3147" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluations" format="ixt:num-dot-decimal" scale="6" id="f-5114">35</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 276.97pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 282.65pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 305.16999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 330.29999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3148" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluations" format="ixt:num-dot-decimal" scale="6" id="f-5115">118</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 383.35pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 405.59000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 428.11pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 433.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 453.24pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3149" decimals="-6" name="ing:IncreaseDecreaseInUnrealisedRevaluations" format="ixt:num-dot-decimal" scale="6" id="f-5116">94</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 496.92999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">includes revaluation of shares in Bank of Beijing for EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 289.39pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3155" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluations" format="ixt:num-dot-decimal" scale="6" id="f-5117">24</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 336.80999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 339.30999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 342.49pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 365.01pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 369.91999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 390.14pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3156" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluations" format="ixt:num-dot-decimal" scale="6" id="f-5118">86</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 437.55999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 459.79999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 482.32000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 507.45000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3157" decimals="-6" name="ing:IncreaseDecreaseInUnrealisedRevaluations" format="ixt:num-dot-decimal" scale="6" id="f-5119">38</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.9pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 127.91pt; width: 1080pt;"><ix:continuation id="f-5049-3" continuedAt="f-5049-4"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 479.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 191.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 479.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 479.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in cash flow hedge and credit liability reserve<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 10.5pt;"><td colspan="1" rowspan="2" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="2" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 13.5pt; left: 191.25pt; position: var(--position); top: 14.25pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 75.18pt; position: var(--position); text-decoration: none; white-space: pre;">Cash flow hedge<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="2" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 13.5pt; left: 335.25pt; position: var(--position); top: 14.25pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 86.58pt; position: var(--position); text-decoration: none; white-space: pre;">Credit liability<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 3pt;"><td colspan="7" rowspan="1" style="display: none;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #b6b6b6; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27.75pt; width: 191.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 191.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 191.25pt; position: var(--position); top: 27.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 239.25pt; position: var(--position); top: 27.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 287.25pt; position: var(--position); top: 27.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 335.25pt; position: var(--position); top: 27.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 383.25pt; position: var(--position); top: 27.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 431.25pt; position: var(--position); top: 27.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #b6b6b6; border-top: 1pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 40.5pt; width: 191.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 191.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 191.25pt; position: var(--position); top: 40.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3158" decimals="-6" sign="-" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5120">3,055</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 40.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.84pt;"></span></span><span style="left: 26.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3159" decimals="-6" sign="-" name="ifrs-full:OtherReserves" scale="6" id="f-5121">153</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 40.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3160" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5122">1,450</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 40.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.25pt;"></span></span><span style="left: 34.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3161" decimals="-6" name="ifrs-full:OtherReserves" scale="6" id="f-5123">70</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 383.25pt; position: var(--position); top: 40.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.9pt;"></span></span><span style="left: 31.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3162" decimals="-6" sign="-" name="ifrs-full:OtherReserves" scale="6" id="f-5124">80</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 431.25pt; position: var(--position); top: 40.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.84pt;"></span></span><span style="left: 26.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3163" decimals="-6" sign="-" name="ifrs-full:OtherReserves" scale="6" id="f-5125">117</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #b6b6b6; border-top: 1pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 54.75pt; width: 191.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 191.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in credit liability reserve<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 54.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.9pt;"></span></span><span style="left: 31.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3164" decimals="-6" sign="-" name="ing:ChangesInCreditLiabilityReserve" scale="6" id="f-5126">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 383.25pt; position: var(--position); top: 54.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3165" decimals="-6" name="ing:ChangesInCreditLiabilityReserve" scale="6" id="f-5127">165</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 431.25pt; position: var(--position); top: 54.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.25pt;"></span></span><span style="left: 34.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3166" decimals="-6" name="ing:ChangesInCreditLiabilityReserve" scale="6" id="f-5128">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #b6b6b6; border-top: 1pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69pt; width: 191.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 191.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unrealised revaluations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 191.25pt; position: var(--position); top: 69pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3167" decimals="-6" name="ing:IncreaseDecreaseInUnrealisedRevaluations" scale="6" id="f-5129">997</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 69pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3168" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluations" format="ixt:num-dot-decimal" scale="6" id="f-5130">2,901</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 69pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3169" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluations" format="ixt:num-dot-decimal" scale="6" id="f-5131">1,603</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 69pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 383.25pt; position: var(--position); top: 69pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 431.25pt; position: var(--position); top: 69pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #b6b6b6; border-top: 1pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 83.25pt; width: 191.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 191.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised revaluations transferred to retained <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 191.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">earnings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 191.25pt; position: var(--position); top: 83.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 239.25pt; position: var(--position); top: 83.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 287.25pt; position: var(--position); top: 83.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 335.25pt; position: var(--position); top: 83.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3164" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughTransferBetweenRevaluationReserveAndRetainedEarnings" id="f-5132"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 383.25pt; position: var(--position); top: 83.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.9pt;"></span></span><span style="left: 31.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3165" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransferBetweenRevaluationReserveAndRetainedEarnings" scale="6" id="f-5133">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 431.25pt; position: var(--position); top: 83.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3166" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughTransferBetweenRevaluationReserveAndRetainedEarnings" id="f-5134"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 107.25pt; width: 191.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 191.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f6f6f6; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 191.25pt; position: var(--position); top: 107.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.77pt;"></span></span><span style="left: 18.4pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3170" decimals="-6" sign="-" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5135">2,058</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 239.25pt; position: var(--position); top: 107.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.77pt;"></span></span><span style="left: 18.4pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3158" decimals="-6" sign="-" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5136">3,055</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 287.25pt; position: var(--position); top: 107.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.17pt;"></span></span><span style="left: 25.8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3159" decimals="-6" sign="-" name="ifrs-full:OtherReserves" scale="6" id="f-5137">153</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f6f6f6; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 335.25pt; position: var(--position); top: 107.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.89pt;"></span></span><span style="left: 34.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3171" decimals="-6" name="ifrs-full:OtherReserves" scale="6" id="f-5138">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 383.25pt; position: var(--position); top: 107.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.89pt;"></span></span><span style="left: 34.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3161" decimals="-6" name="ifrs-full:OtherReserves" scale="6" id="f-5139">70</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 431.25pt; position: var(--position); top: 107.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.41pt;"></span></span><span style="left: 31.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3162" decimals="-6" sign="-" name="ifrs-full:OtherReserves" scale="6" id="f-5140">80</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 269.41pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cash flow hedge<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 281.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING mainly hedges floating rate lending with interest rate swaps. Due to a decrease in forward interest rates <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 293.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 50.58pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 73.1pt; position: var(--position); text-decoration: none; white-space: pre;">,<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 75.50999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> the interest rate swaps had a positive revaluation of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 332.89pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3167" decimals="-6" name="ing:IncreaseDecreaseInUnrealisedRevaluations" format="ixt:num-dot-decimal" scale="6" id="f-5141">997</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 382.21000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> which is recognised in the cash <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 305.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">flow hedge reserve.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 332.41pt; width: 1080pt;"><ix:continuation id="f-5049-4" continuedAt="f-5049-5"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 483.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 339.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 387.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 387.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in Property in own use reserve<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #b6b6b6; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 339.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 339.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 339.75pt; position: var(--position); top: 14.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387.75pt; position: var(--position); top: 14.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 435.75pt; position: var(--position); top: 14.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #b6b6b6; border-top: 1pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 339.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 339.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 339.75pt; position: var(--position); top: 27pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3172" decimals="-6" name="ifrs-full:OtherReserves" scale="6" id="f-5142">176</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 27pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3173" decimals="-6" name="ifrs-full:OtherReserves" scale="6" id="f-5143">208</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 27pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3174" decimals="-6" name="ifrs-full:OtherReserves" scale="6" id="f-5144">221</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #b6b6b6; border-top: 1pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 339.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 339.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Impact IAS 29 on opening balance<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 139.65pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 339.75pt; position: var(--position); top: 41.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 41.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.9pt;"></span></span><span style="left: 31.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3175" decimals="-6" sign="-" name="ifrs-full:OtherReserves" scale="6" id="f-5145">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #b6b6b6; border-top: 1pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 339.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 339.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unrealised revaluations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 339.75pt; position: var(--position); top: 55.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.25pt;"></span></span><span style="left: 34.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3176" decimals="-6" name="ing:IncreaseDecreaseInUnrealisedRevaluations" scale="6" id="f-5146">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 55.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.25pt;"></span></span><span style="left: 34.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3177" decimals="-6" name="ing:IncreaseDecreaseInUnrealisedRevaluations" scale="6" id="f-5147">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #bfbfbf; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 55.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.96pt;"></span></span><span style="left: 36.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3178" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluations" scale="6" id="f-5148">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #b6b6b6; border-top: 1pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 339.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 339.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised revaluations transferred to retained earnings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 339.75pt; position: var(--position); top: 69.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.96pt;"></span></span><span style="left: 36.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3176" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransferBetweenRevaluationReserveAndRetainedEarnings" scale="6" id="f-5149">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 69.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.9pt;"></span></span><span style="left: 31.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3177" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransferBetweenRevaluationReserveAndRetainedEarnings" scale="6" id="f-5150">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #bfbfbf; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 69.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.9pt;"></span></span><span style="left: 31.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3178" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransferBetweenRevaluationReserveAndRetainedEarnings" scale="6" id="f-5151">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #b6b6b6; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 339.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 339.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f6f6f6; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 339.75pt; position: var(--position); top: 84pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.65pt;"></span></span><span style="left: 29.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3179" decimals="-6" name="ifrs-full:OtherReserves" scale="6" id="f-5152">178</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 84pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.65pt;"></span></span><span style="left: 29.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3172" decimals="-6" name="ifrs-full:OtherReserves" scale="6" id="f-5153">176</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 435.75pt; position: var(--position); top: 84pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.65pt;"></span></span><span style="left: 29.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3173" decimals="-6" name="ifrs-full:OtherReserves" scale="6" id="f-5154">208</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><ix:continuation id="f-5049-5" continuedAt="f-5049-6"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 435.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1 Impact of application of hyperinflation accounting under IAS 29.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 460.26pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Net defined benefit asset/liability remeasurement reserve<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 472.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 136.95pt; position: var(--position); text-decoration: none; white-space: pre;">Note 33 'Pensions and other post-employment benefits'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 387.51pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Currency translation reserve<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 79.31pt; width: 1080pt;"><ix:continuation id="f-5049-6" continuedAt="f-5049-7"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in currency translation reserve<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3180" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5155">2,395</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3181" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5156">3,483</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3182" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5157">3,636</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Impact IAS 29 on opening balance<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 139.65pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3183" decimals="-6" sign="-" name="ifrs-full:OtherReserves" scale="6" id="f-5158">647</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unrealised revaluations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3184" decimals="-6" name="ing:IncreaseDecreaseInUnrealisedRevaluations" scale="6" id="f-5159">183</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3185" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluations" scale="6" id="f-5160">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3186" decimals="-6" sign="-" name="ing:IncreaseDecreaseInUnrealisedRevaluations" scale="6" id="f-5161">61</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised gains/losses transferred to the statement of profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3184" xsi:nil="true" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementEntitysOwnEquityInstruments" id="f-5162"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3185" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementEntitysOwnEquityInstruments" scale="6" id="f-5163">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3186" xsi:nil="true" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementEntitysOwnEquityInstruments" id="f-5164"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3184" decimals="-6" name="ing:IncreaseDecreaseInRate" scale="6" id="f-5165">316</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3185" decimals="-6" sign="-" name="ing:IncreaseDecreaseInRate" scale="6" id="f-5166">444</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3186" decimals="-6" sign="-" name="ing:IncreaseDecreaseInRate" scale="6" id="f-5167">214</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.77pt;"></span></span><span style="left: 15.399999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3187" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5168">2,527</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.77pt;"></span></span><span style="left: 15.399999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3180" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5169">2,395</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.77pt;"></span></span><span style="left: 15.399999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3181" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5170">3,483</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><ix:continuation id="f-5049-7" continuedAt="f-5049-8"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 196.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1 Impact of application of hyperinflation accounting under IAS 29.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 221.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Unrealised revaluations relates to changes in the value of hedging instruments that are designated as net <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 233.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">investment hedges. The hedging strategy is to protect the CET1 ratio against adverse impact from exchange <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 245.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rate fluctuations. The net decrease of unrealised revaluations and Exchange rate differences of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1001.52pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:IncreaseDecreaseInExchangeRateDifferencesAndUnrealisedRevaluationsNet" format="ixt:num-dot-decimal" scale="6" id="f-5171">132</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 257.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 584.9499999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> is related to several currencies including USD (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 812.97pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2450" decimals="-6" sign="-" name="ing:IncreaseDecreaseInExchangeRateDifferencesAndUnrealisedRevaluationsNet" format="ixt:num-dot-decimal" scale="6" id="f-5172">238</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 866.02pt; position: var(--position); text-decoration: none; white-space: pre;">), TRY (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 915.9300000000001pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2474" decimals="-6" name="ing:IncreaseDecreaseInExchangeRateDifferencesAndUnrealisedRevaluationsNet" format="ixt:num-dot-decimal" scale="6" id="f-5173">11</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 959.62pt; position: var(--position); text-decoration: none; white-space: pre;"> including EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 269.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2474" decimals="-6" name="ing:IncreaseDecreaseInExchangeRateDifferencesDueToIndexationEffect" scale="6" id="f-5174">284</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 571.91pt; position: var(--position); text-decoration: none; white-space: pre;"> million IAS 29 indexation effect), GBP (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 764.0899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2456" decimals="-6" name="ing:IncreaseDecreaseInExchangeRateDifferencesAndUnrealisedRevaluationsNet" format="ixt:num-dot-decimal" scale="6" id="f-5175">18</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 807.78pt; position: var(--position); text-decoration: none; white-space: pre;">), PLN (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 859pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2462" decimals="-6" name="ing:IncreaseDecreaseInExchangeRateDifferencesAndUnrealisedRevaluationsNet" scale="6" id="f-5176">169</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 875.89pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; million), CHF (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 961.74pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3188" decimals="-6" name="ing:IncreaseDecreaseInExchangeRateDifferencesAndUnrealisedRevaluationsNet" format="ixt:num-dot-decimal" scale="6" id="f-5177">37</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1005.4300000000001pt; position: var(--position); text-decoration: none; white-space: pre;">), AUD <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 281.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.42pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2468" decimals="-6" sign="-" name="ing:IncreaseDecreaseInExchangeRateDifferencesAndUnrealisedRevaluationsNet" scale="6" id="f-5178">42</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 593.41pt; position: var(--position); text-decoration: none; white-space: pre;"> million), RUB (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 677.8399999999999pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2486" decimals="-6" sign="-" name="ing:IncreaseDecreaseInExchangeRateDifferencesAndUnrealisedRevaluationsNet" scale="6" id="f-5179">70</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 692.8299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> million), THB (EUR<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 773.95pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 776.45pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2498" decimals="-6" sign="-" name="ing:IncreaseDecreaseInExchangeRateDifferencesAndUnrealisedRevaluationsNet" scale="6" id="f-5180">13</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 791.4399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> million), CNY (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 875.66pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-2480" decimals="-6" sign="-" name="ing:IncreaseDecreaseInExchangeRateDifferencesAndUnrealisedRevaluationsNet" scale="6" id="f-5181">16</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 890.65pt; position: var(--position); text-decoration: none; white-space: pre;"> million) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 928.76pt; position: var(--position); text-decoration: none; white-space: pre;">and other currencies <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 293.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 578.42pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2504" decimals="-6" name="ing:IncreaseDecreaseInExchangeRateDifferencesAndUnrealisedRevaluationsNet" format="ixt:num-dot-decimal" scale="6" id="f-5182">11</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 622.11pt; position: var(--position); text-decoration: none; white-space: pre;">). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 322.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Share of associates and joint ventures and other reserves<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 336.81pt; width: 1080pt;"><ix:continuation id="f-5049-8" continuedAt="f-5049-9"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in share of associates, joint ventures and other reserves<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3189" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5183">3,603</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3190" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5184">3,416</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3191" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5185">3,246</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result for the year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3192" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAppropriationOfRetainedEarnings" scale="6" id="f-5186">336</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3193" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAppropriationOfRetainedEarnings" scale="6" id="f-5187">161</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3194" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughAppropriationOfRetainedEarnings" scale="6" id="f-5188">191</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfer to/from retained earnings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3192" decimals="-6" sign="-" name="ing:ChangesInTransferToOrFromRetainedEarnings" scale="6" id="f-5189">892</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3193" decimals="-6" name="ing:ChangesInTransferToOrFromRetainedEarnings" scale="6" id="f-5190">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3194" decimals="-6" sign="-" name="ing:ChangesInTransferToOrFromRetainedEarnings" scale="6" id="f-5191">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3195" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5192">3,047</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3189" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5193">3,603</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3190" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-5194">3,416</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 440.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Share of associates, joint ventures and other reserves includes non-distributable profits from associates <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 452.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and joint ventures of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 670.25pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:ShareOfAssociatesJoingVentureAndOtherReservesIncludingNonDistributableProfitsFromAssociatesAndJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-5195">815</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 719.5699999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 725.25pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 747.77pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 772.9pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:ShareOfAssociatesJoingVentureAndOtherReservesIncludingNonDistributableProfitsFromAssociatesAndJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-5196">797</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 822.22pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 844.46pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 866.98pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 892.1099999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:ShareOfAssociatesJoingVentureAndOtherReservesIncludingNonDistributableProfitsFromAssociatesAndJointVentures" scale="6" id="f-5197">738</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 909pt; position: var(--position); text-decoration: none; white-space: pre;"> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 941.4300000000001pt; position: var(--position); text-decoration: none; white-space: pre;">). Other reserves <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 464.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">includes a statutory reserve of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 713.67pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3196" decimals="-6" name="ifrs-full:StatutoryReserve" format="ixt:num-dot-decimal" scale="6" id="f-5198">1,602</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 771.03pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 776.71pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 799.23pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 824.3599999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3197" decimals="-6" name="ifrs-full:StatutoryReserve" format="ixt:num-dot-decimal" scale="6" id="f-5199">2,264</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 881.72pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 903.96pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 926.48pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 951.6099999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3198" decimals="-6" name="ifrs-full:StatutoryReserve" format="ixt:num-dot-decimal" scale="6" id="f-5200">2,103</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 976.54pt; position: var(--position); text-decoration: none; white-space: pre;"> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1008.97pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 476.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">related to the former Stichting Regio Bank and the former Stichting Vakbondsspaarbank SPN and a legal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 488.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reserve of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 621.92pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3199" decimals="-6" name="ing:LegalReserve" format="ixt:num-dot-decimal" scale="6" id="f-5201">628</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 671.24pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 676.92pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 699.4399999999999pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 724.5699999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3200" decimals="-6" name="ing:LegalReserve" format="ixt:num-dot-decimal" scale="6" id="f-5202">540</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 773.89pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 796.13pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 818.65pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 843.78pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3201" decimals="-6" name="ing:LegalReserve" scale="6" id="f-5203">573</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 860.67pt; position: var(--position); text-decoration: none; white-space: pre;"> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 893.0999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">) related to internally developed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 500.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">software. The transfer to retained earnings of EUR<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 778.28pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 780.78pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3192" decimals="-6" sign="-" name="ing:ChangesInTransferToOrFromRetainedEarnings" scale="6" id="f-5204">892</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 801.4pt; position: var(--position); text-decoration: none; white-space: pre;"> million includes the release of the Regio bank and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 512.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Vakbondsspaarbank SPN reserve of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 735.03pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3202" decimals="-6" sign="-" name="ifrs-full:ChangesInEquity" scale="6" id="f-5205">998</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 755.65pt; position: var(--position); text-decoration: none; white-space: pre;"> million against regulatory expenses which are recognised in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 524.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the statement of profit or loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -278<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-4965-4" continuedAt="f-4965-5"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Treasury shares<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 79.31pt; width: 1080pt;"><ix:continuation id="f-5049-9" continuedAt="f-5049-10"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 480.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 167.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 54.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 480.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 480.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in treasury shares<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 167.25pt; position: var(--position); top: 14.25pt; width: 156pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 156pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 50.59pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 323.25pt; position: var(--position); top: 14.25pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 157.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 46.7pt; position: var(--position); text-decoration: none; white-space: pre;">Number x 1,000<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 167.25pt; position: var(--position); top: 27pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 31.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 222pt; position: var(--position); top: 27pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 32.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 278.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 27pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 375.75pt; position: var(--position); top: 27pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 27pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.91pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 167.25pt; position: var(--position); top: 41.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.37pt;"></span></span><span style="left: 26pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:TreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-5206">1,205</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 222pt; position: var(--position); top: 41.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.87pt;"></span></span><span style="left: 27.5pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:TreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-5207">1,612</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 278.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2638" decimals="-6" name="ifrs-full:TreasuryShares" scale="6" id="f-5208">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 41.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.35pt;"></span></span><span style="left: 16.98pt; position: var(--position);"><ix:nonFraction unitRef="shares" contextRef="c-3139" decimals="-3" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-5209">107,395</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 375.75pt; position: var(--position); top: 41.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.35pt;"></span></span><span style="left: 16.98pt; position: var(--position);"><ix:nonFraction unitRef="shares" contextRef="c-3140" decimals="-3" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-5210">128,301</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 41.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);"><ix:nonFraction unitRef="shares" contextRef="c-3203" decimals="-3" name="ifrs-full:NumberOfSharesOutstanding" scale="3" id="f-5211">572</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Purchased/sold for trading purposes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 167.25pt; position: var(--position); top: 55.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.71pt;"></span></span><span style="left: 43.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughTreasuryShareTransactionsExcludingShareBasedPaymentTransactions" scale="6" id="f-5212">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 222pt; position: var(--position); top: 55.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:IncreaseDecreaseThroughTreasuryShareTransactionsExcludingShareBasedPaymentTransactions" scale="6" id="f-5213">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 278.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughTreasuryShareTransactionsExcludingShareBasedPaymentTransactions" scale="6" id="f-5214">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 55.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);"><ix:nonFraction unitRef="shares" contextRef="c-3204" decimals="-3" name="ifrs-full:IncreaseDecreaseInNumberOfSharesOutstanding" scale="3" id="f-5215">464</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 375.75pt; position: var(--position); top: 55.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.34pt;"></span></span><span style="left: 30.97pt; position: var(--position);">-<ix:nonFraction unitRef="shares" contextRef="c-3205" decimals="-3" sign="-" name="ifrs-full:IncreaseDecreaseInNumberOfSharesOutstanding" scale="3" id="f-5216">312</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 55.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);"><ix:nonFraction unitRef="shares" contextRef="c-3206" decimals="-3" name="ifrs-full:IncreaseDecreaseInNumberOfSharesOutstanding" scale="3" id="f-5217">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Purchased under staff share plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 167.25pt; position: var(--position); top: 69.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.65pt;"></span></span><span style="left: 38.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:DecreaseThroughShareBasedPaymentTransactionsEquity" scale="6" id="f-5218">42</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 69.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.47pt;"></span></span><span style="left: 27.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="shares" contextRef="c-3204" decimals="-3" name="ing:IncreaseThroughShareBasedPaymentTransactionsShares" format="ixt:num-dot-decimal" scale="3" id="f-5219">3,156</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Distributed under staff share plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 167.25pt; position: var(--position); top: 84pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39pt;"></span></span><span style="left: 41.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:IncreaseThroughShareBasedPaymentTransactionsEquity" scale="6" id="f-5220">41</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 84pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.12pt;"></span></span><span style="left: 23.75pt; position: var(--position);">-<ix:nonFraction unitRef="shares" contextRef="c-3204" decimals="-3" name="ing:DecreaseThroughShareBasedPaymentTransactionsShares" format="ixt:num-dot-decimal" scale="3" id="f-5221">3,106</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Purchased Share buyback programme<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 167.25pt; position: var(--position); top: 98.25pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.37pt;"></span></span><span style="left: 26pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:ShareBuybackProgrammeAmount" format="ixt:num-dot-decimal" scale="6" id="f-5222">3,482</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 222pt; position: var(--position); top: 98.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.87pt;"></span></span><span style="left: 27.5pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:ShareBuybackProgrammeAmount" format="ixt:num-dot-decimal" scale="6" id="f-5223">1,721</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 278.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:ShareBuybackProgrammeAmount" format="ixt:num-dot-decimal" scale="6" id="f-5224">1,604</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 98.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.35pt;"></span></span><span style="left: 16.98pt; position: var(--position);"><ix:nonFraction unitRef="shares" contextRef="c-3204" decimals="-3" name="ing:ShareBuybackProgrammeShares" format="ixt:num-dot-decimal" scale="3" id="f-5225">275,013</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 375.75pt; position: var(--position); top: 98.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.35pt;"></span></span><span style="left: 16.98pt; position: var(--position);"><ix:nonFraction unitRef="shares" contextRef="c-3205" decimals="-3" name="ing:ShareBuybackProgrammeShares" format="ixt:num-dot-decimal" scale="3" id="f-5226">159,866</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 98.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.35pt;"></span></span><span style="left: 16.98pt; position: var(--position);"><ix:nonFraction unitRef="shares" contextRef="c-3206" decimals="-3" name="ing:ShareBuybackProgrammeShares" format="ixt:num-dot-decimal" scale="3" id="f-5227">127,628</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 112.5pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cancelled Share buyback programme<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 167.25pt; position: var(--position); top: 112.5pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.72pt;"></span></span><span style="left: 29.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:ShareBuybackProgrammeCancelledAmount" format="ixt:num-dot-decimal" scale="6" id="f-5228">2,701</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 51.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 222pt; position: var(--position); top: 112.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:ShareBuybackProgrammeCancelledAmount" format="ixt:num-dot-decimal" scale="6" id="f-5229">2,124</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 112.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11pt;"></span></span><span style="left: 13.629999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="shares" contextRef="c-1" decimals="INF" name="ing:ShareBuybackProgrammeCancelledShares" format="ixt:num-dot-decimal" scale="3" id="f-5230">228,350</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 375.75pt; position: var(--position); top: 112.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11pt;"></span></span><span style="left: 13.629999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="shares" contextRef="c-23" decimals="INF" name="ing:ShareBuybackProgrammeCancelledShares" format="ixt:num-dot-decimal" scale="3" id="f-5231">180,461</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 126.75pt; width: 167.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 167.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 167.25pt; position: var(--position); top: 126.75pt; width: 54.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 54.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.52pt;"></span></span><span style="left: 25.15pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:TreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-5232">1,994</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 51.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 222pt; position: var(--position); top: 126.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.02pt;"></span></span><span style="left: 26.65pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:TreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-5233">1,205</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 278.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.77pt;"></span></span><span style="left: 15.399999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:TreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-5234">1,612</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 126.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.27pt;"></span></span><span style="left: 15.899999999999999pt; position: var(--position);"><ix:nonFraction unitRef="shares" contextRef="c-3138" decimals="-3" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-5235">154,571</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 375.75pt; position: var(--position); top: 126.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.27pt;"></span></span><span style="left: 15.899999999999999pt; position: var(--position);"><ix:nonFraction unitRef="shares" contextRef="c-3139" decimals="-3" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-5236">107,395</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 428.25pt; position: var(--position); top: 126.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.27pt;"></span></span><span style="left: 15.899999999999999pt; position: var(--position);"><ix:nonFraction unitRef="shares" contextRef="c-3140" decimals="-3" name="ifrs-full:NumberOfSharesOutstanding" format="ixt:num-dot-decimal" scale="3" id="f-5237">128,301</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 49.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 240.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 50.8pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 73.32pt; position: var(--position); text-decoration: none; white-space: pre;"> ING Group initiated three share buyback programmes. On <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 335.85pt; position: var(--position); text-decoration: none; white-space: pre;">1&#160;March 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 396.64pt; position: var(--position); text-decoration: none; white-space: pre;">, ING announced a share <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 252.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">buyback programme for a maximum total amount of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 301.85pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3207" decimals="-6" name="ing:ShareBuybackProgrammeAuthorized" scale="6" id="f-5238">50</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 313.11pt; position: var(--position); text-decoration: none; white-space: pre;"> million. The share buyback programme was <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 264.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">completed by <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 104.24pt; position: var(--position); text-decoration: none; white-space: pre;">7&#160;March 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 165.03pt; position: var(--position); text-decoration: none; white-space: pre;">. In total, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 206.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3208" decimals="-6" name="ing:ShareBuybackProgrammeShares" scale="6" id="f-5239">3</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 212.26pt; position: var(--position); text-decoration: none; white-space: pre;"> million shares have been repurchased at an average price of EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3208" decimals="2" name="ing:SharesRepurchasedAveragePricePerShare" scale="0" id="f-5240">13.18</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 64.9pt; position: var(--position); text-decoration: none; white-space: pre;"> per share and for a total consideration of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 273.32pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3208" decimals="-6" name="ing:ShareBuybackProgrammeAmount" scale="6" id="f-5241">42</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 284.58000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> million. The purpose of the share repurchase <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">programme was to meet obligations under the share-based compensation plans.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The second programme of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 180.99pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3209" decimals="-6" name="ing:ShareBuybackProgrammeAuthorized" format="ixt:num-dot-decimal" scale="6" id="f-5242">1,500</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 238.35pt; position: var(--position); text-decoration: none; white-space: pre;">, commencing on <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 318.59000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">12&#160;May 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 376.52pt; position: var(--position); text-decoration: none; white-space: pre;"> and completed by <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 463.03pt; position: var(--position); text-decoration: none; white-space: pre;">October <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 62.489999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">. A total of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 111.19pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3210" decimals="-6" name="ing:ShareBuybackProgrammeShares" format="ixt:num-dot-decimal" scale="6" id="f-5243">121</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 160.51pt; position: var(--position); text-decoration: none; white-space: pre;"> shares have been repurchased at an average price of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 422.88pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3210" decimals="2" name="ing:SharesRepurchasedAveragePricePerShare" scale="0" id="f-5244">12.91</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 447.80999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> per share <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 339.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(effective price for ING was EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 182.05pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3210" decimals="2" name="ing:SharesRepurchasedEffectivePricePerShare" scale="0" id="f-5245">12.36</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 206.98pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 209.48pt; position: var(--position); text-decoration: none; white-space: pre;">per share after compensation received from the executing broker). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10.5pt; position: var(--position); top: 351.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The shares have been cancelled in<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 192.85999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 195.35999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">December 2023<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 266.4pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 378.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Third p<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 70.52pt; position: var(--position); text-decoration: none; white-space: pre;">rogramme of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 152.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3211" decimals="-6" name="ing:ShareBuybackProgrammeAuthorized" format="ixt:num-dot-decimal" scale="6" id="f-5246">2,500</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 209.99pt; position: var(--position); text-decoration: none; white-space: pre;">, commencing on <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 290.23pt; position: var(--position); text-decoration: none; white-space: pre;">3&#160;November 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 370.04999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">. As per<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 403pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 405.5pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 490.29999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 492.79999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3212" decimals="-6" name="ing:ShareBuybackProgrammeShares" format="ixt:num-dot-decimal" scale="6" id="f-5247">154</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.9pt; position: var(--position); text-decoration: none; white-space: pre;"> shares have been repurchased at an average price of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 332.27pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3212" decimals="2" name="ing:SharesRepurchasedAveragePricePerShare" scale="0" id="f-5248">12.90</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 357.20000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> per share and for a total <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 402.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consideration of EUR<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 132.51pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 135.01pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3212" decimals="-6" name="ing:ShareBuybackProgrammeAmount" format="ixt:num-dot-decimal" scale="6" id="f-5249">1,982</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 159.94pt; position: var(--position); text-decoration: none; white-space: pre;"> million. The programme was completed by <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 356.74pt; position: var(--position); text-decoration: none; white-space: pre;">February 2024<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 421.86pt; position: var(--position); text-decoration: none; white-space: pre;">. In total <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 461.04999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3213" decimals="-6" name="ing:ShareBuybackProgrammeShares" scale="6" id="f-5250">195</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 477.94000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> million <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">shares have been repurchased at an average price of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 299.84000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3213" decimals="2" name="ing:SharesRepurchasedAveragePricePerShare" scale="0" id="f-5251">12.87</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 324.77pt; position: var(--position); text-decoration: none; white-space: pre;"> per share (effective price for ING was EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3213" decimals="2" name="ing:SharesRepurchasedEffectivePricePerShare" scale="0" id="f-5252">12.83</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 64.9pt; position: var(--position); text-decoration: none; white-space: pre;"> per share after compensation received from the executing broker). ING has the intention to cancel <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">these shares in April 2024.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 50.8pt; position: var(--position); text-decoration: none; white-space: pre;">March 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 103.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 105.96pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3214" decimals="INF" name="ing:ShareBuybackProgrammeCancelledShares" scale="6" id="f-5253">107</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 122.85pt; position: var(--position); text-decoration: none; white-space: pre;"> million shares (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 213.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3214" decimals="-6" name="ifrs-full:CancellationOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-5254">1,201</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 238.06pt; position: var(--position); text-decoration: none; white-space: pre;"> million), purchased in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 338.64pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 361.15999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">, were cancelled.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Retained earnings<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 79.31pt; width: 1080pt;"><ix:continuation id="f-5049-10" continuedAt="f-5049-11"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in retained earnings<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2590" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-5255">41,538</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2615" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-5256">35,462</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2635" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-5257">32,149</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Impact on opening balance<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 112.42999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2593" decimals="-6" sign="-" name="ifrs-full:RetainedEarnings" scale="6" id="f-5258">45</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2619" decimals="-6" sign="-" name="ifrs-full:RetainedEarnings" scale="6" id="f-5259">563</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfer to/from other reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" name="ing:TransferToFromOtherReserves" scale="6" id="f-5260">899</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" sign="-" name="ing:TransferToFromOtherReserves" scale="6" id="f-5261">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" name="ing:TransferToFromOtherReserves" scale="6" id="f-5262">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result for the year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" name="ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" format="ixt:num-dot-decimal" scale="6" id="f-5263">3,804</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" name="ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" format="ixt:num-dot-decimal" scale="6" id="f-5264">11,965</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" name="ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity" format="ixt:num-dot-decimal" scale="6" id="f-5265">5,760</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividend and other distributions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" name="ing:DividendsRecognisedAsDistributionsToOwners1" format="ixt:num-dot-decimal" scale="6" id="f-5266">2,668</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" name="ing:DividendsRecognisedAsDistributionsToOwners1" format="ixt:num-dot-decimal" scale="6" id="f-5267">3,349</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" name="ing:DividendsRecognisedAsDistributionsToOwners1" format="ixt:num-dot-decimal" scale="6" id="f-5268">2,342</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Employee share plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-5269">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-5270">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-5271">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 112.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in composition of the group and other changes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2604" decimals="-6" sign="-" name="ing:ChangesInCompositionAndOther" format="ixt:num-dot-decimal" scale="6" id="f-5272">3,222</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2629" decimals="-6" sign="-" name="ing:ChangesInCompositionAndOther" format="ixt:num-dot-decimal" scale="6" id="f-5273">1,984</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2640" decimals="-6" sign="-" name="ing:ChangesInCompositionAndOther" scale="6" id="f-5274">143</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 126.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2610" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-5275">40,299</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2590" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-5276">41,538</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2615" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-5277">35,462</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><ix:continuation id="f-5049-11" continuedAt="f-5049-12"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 225.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1 In 2023, changes in policy following the adoption of IFRS 17 and change in policy for non-financial guarantees. 2022: impact of <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 234.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">application of hyperinflation accounting under IAS 29.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Dividend and other distributions<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 565.85pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 588.37pt; position: var(--position); text-decoration: none; white-space: pre;">, a cash dividend of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 696.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-5278">2,668</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 754.11pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 759.79pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 782.31pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 807.4399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-5279">2,178</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 864.8pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 887.04pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 909.56pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 934.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-5280">1,288</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 959.62pt; position: var(--position); text-decoration: none; white-space: pre;"> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 992.05pt; position: var(--position); text-decoration: none; white-space: pre;">) and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 283.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">other cash distributions of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 694.38pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:OtherCashDistributions" format="ixt:fixed-zero" scale="6" id="f-5281">0 million</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 732.4399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 738.12pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 760.64pt; position: var(--position); text-decoration: none; white-space: pre;"> EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 783.36pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:OtherCashDistributions" format="ixt:num-dot-decimal" scale="6" id="f-5282">1,171</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 840.72pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 862.96pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 885.48pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 910.6099999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:OtherCashDistributions" format="ixt:num-dot-decimal" scale="6" id="f-5283">1,054</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 967.97pt; position: var(--position); text-decoration: none; white-space: pre;">) were paid to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 295.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the shareholders of ING Group. For further information, reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 897.52pt; position: var(--position); text-decoration: none; white-space: pre;">Note 29 'Dividend per ordinary <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">share'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 582.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other changes<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Other changes includes an amount of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 746.38pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3215" decimals="-6" sign="-" name="ing:ShareBuybackProgrammeAmount" format="ixt:num-dot-decimal" scale="6" id="f-5284">3,217</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 807.47pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 813.15pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 835.67pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 860.8pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3216" decimals="-6" sign="-" name="ing:ShareBuybackProgrammeAmount" format="ixt:num-dot-decimal" scale="6" id="f-5285">1,983</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 921.89pt; position: var(--position); text-decoration: none; white-space: pre;">; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 926.8pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 949.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 974.45pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3217" decimals="-6" sign="-" name="ing:ShareBuybackProgrammeAmount" scale="6" id="f-5286">140</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 995.0699999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1027.5pt; position: var(--position); text-decoration: none; white-space: pre;">), <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which corresponds to the purchase and cancellation of treasury shares purchased under the share buyback <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">programmes. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 397.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Ordinary shares - Restrictions with respect to dividend and repayment of capital<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 409.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following equity components cannot be freely distributed: Revaluation reserves, Net defined benefit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 421.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">asset/liability remeasurement reserve, Currency translation reserve, Share of associates and joint ventures <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 433.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reserve and Other reserves including the reserve related to the former Stichting Regio Bank and the former <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 445.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Stichting Vakbondsspaarbank SPN.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 472.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V. is subject to legal restrictions regarding the amount of dividends it can pay to the holders of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 484.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">its ordinary shares. Pursuant to the Dutch Civil Code, dividends can only be paid up to an amount equal to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 496.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the excess of the company&#8217;s own funds over the sum of the paid-up capital and reserves required by law.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 523.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Moreover, ING Groep N.V.&#8217;s ability to pay dividends is dependent on the dividend payment ability of its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 535.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">subsidiaries, associates and joint ventures. ING Groep N.V. is legally required to create a non-distributable <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -279<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-4965-5"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reserve insofar as profits of its subsidiaries, associates and joint ventures are subject to dividend payment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">restrictions which apply to those subsidiaries, associates and joint ventures themselves. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Non distributable reserves, determined in accordance with the financial reporting requirements included in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Part 9 of Book 2 of the Dutch Civil Code, from ING Group&#8217;s subsidiaries, associates and joint ventures are as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 154.91pt; width: 1080pt;"><ix:continuation id="f-5049-12" continuedAt="f-5049-13"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Non-distributable reserves<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3218" decimals="-6" name="ing:NonDistributableReserves" format="ixt:num-dot-decimal" scale="6" id="f-5287">6,727</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3219" decimals="-6" name="ing:NonDistributableReserves" format="ixt:num-dot-decimal" scale="6" id="f-5288">8,408</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3220" decimals="-6" name="ing:NonDistributableReserves" format="ixt:num-dot-decimal" scale="6" id="f-5289">8,205</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3221" decimals="-6" name="ing:NonDistributableReserves" scale="6" id="f-5290">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3222" decimals="-6" name="ing:NonDistributableReserves" scale="6" id="f-5291">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3223" decimals="-6" name="ing:NonDistributableReserves" scale="6" id="f-5292">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-distributable reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:NonDistributableReserves" format="ixt:num-dot-decimal" scale="6" id="f-5293">6,727</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:NonDistributableReserves" format="ixt:num-dot-decimal" scale="6" id="f-5294">8,408</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:NonDistributableReserves" format="ixt:num-dot-decimal" scale="6" id="f-5295">8,205</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition to the legal and regulatory restrictions on distributing dividends from subsidiaries, associates and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">joint ventures to ING Groep N.V. there are various other considerations and limitations that are taken into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 268.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">account in determining the appropriate levels of equity in the Group&#8217;s subsidiaries, associates and joint <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 280.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ventures. These considerations and limitations include, but are not restricted to, minimum capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 292.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">requirements that are imposed by industry regulators in the countries in which the subsidiaries, associates <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 304.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and joint ventures operate, or other limitations which may exist in certain countries and may or may not be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">temporary in nature. It is not possible to disclose a reliable quantification of these limitations. Without <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">prejudice to the authority of the Executive Board to allocate profits to reserves and to the fact that the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ordinary shares are the most junior securities issued by ING Groep N.V., no specific dividend payment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">restrictions with respect to ordinary shares exist. Refer to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 297.15999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">Note 47 'Capital management'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 434.65999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"> for further details <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the minimal capital requirements and dividend policy of ING Group. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, ING Groep N.V. is subject to legal restrictions with respect to repayment of capital to holders of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ordinary shares. Pursuant to the Dutch Civil Code, capital may only be repaid if none of ING Groep N.V.&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">creditors opposes such a repayment within two months following the announcement of a resolution to that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">effect.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.66pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cumulative preference shares (not issued)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Pursuant to the Articles of Association of ING Groep N.V. the authorised cumulative preference share capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consists of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 89.56pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3224" decimals="-8" name="ifrs-full:NumberOfSharesAuthorised" format="ixt:num-dot-decimal" scale="9" id="f-5296">4.6</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 132.04pt; position: var(--position); text-decoration: none; white-space: pre;"> cumulative preference shares, of which none have been issued. The par value of these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">cumulative preference shares is EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 204.62pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3224" decimals="2" name="ifrs-full:ParValuePerShare" scale="0" id="f-5297">0.01</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 223.92pt; position: var(--position); text-decoration: none; white-space: pre;">. A right to acquire cumulative preference shares has been granted <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to Stichting Continu&#239;teit ING (ING Continuity Foundation).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The cumulative preference shares rank before the ordinary shares in entitlement to dividend and to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">distributions upon liquidation of ING Groep N.V.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The dividend on the cumulative preference shares will be equal to a percentage, calculated on the amount <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compulsorily paid up or yet to be paid up. This percentage shall be equal to the average of the euro short-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">term rate (&#8364;STR) as calculated by the European Central Bank during the financial year for which the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">distribution is made; this percentage being weighted on the basis of the number of days for which it applies, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and increased by <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 634.37pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="5" name="ing:IncreaseDividendAsPercentage" scale="-2" id="f-5298">2.585</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 659.3pt; position: var(--position); text-decoration: none; white-space: pre;"> percentage points.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">If, and to the extent that the profit available for distribution is not sufficient to pay the dividend referred to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">above in full, the shortfall will be made up from the reserves insofar as possible. If, and to the extent that, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the dividend distribution cannot be made from the reserves, the profits earned in subsequent years shall <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">first be used to make up the shortfall before any distribution may be made on shares of any other category.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V.&#8217;s Articles of Association make provision for the cancellation of cumulative preference shares. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Upon cancellation of cumulative preference shares and upon liquidation of ING Groep N.V., the amount paid <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">up on the cumulative preference shares will be repaid together with the accrued dividend as well as any <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">dividend shortfall in preceding years, insofar as this shortfall has not yet been made up. No specific dividend <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">payment restrictions with respect to the cumulative preference shares exist.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -280<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_244"></div><div style="line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Notes to the Consolidated statement of profit or loss<span style="display: inline-block; height: 20.25pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 97.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory" id="f-5299" continuedAt="f-5299-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">20&#160;  Net interest income<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-5299-1"><div style="position: var(--position); top: 114.11pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfClassificationsOfInterestIncomeExpenseExplanatoryTableTextBlock" id="f-5300" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 342.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 342.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 12pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 0.5pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest income<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 12pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342.75pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 12pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 26.25pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest income on loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342.75pt; position: var(--position); top: 26.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestIncomeOnLoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-5301">32,002</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 26.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestIncomeOnLoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-5302">18,440</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 26.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestIncomeOnLoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-5303">13,914</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 522pt; position: var(--position); top: 26.25pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest expense on deposits from banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 26.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestExpenseOnDepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-5304">1,555</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 26.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestExpenseOnDepositsFromBanks" scale="6" id="f-5305">420</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 26.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestExpenseOnDepositsFromBanks" scale="6" id="f-5306">109</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 40.5pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest income on financial assets at fair value through OCI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342.75pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestRevenueForFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-5307">1,078</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestRevenueForFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5308">511</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestRevenueForFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5309">346</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 522pt; position: var(--position); top: 40.5pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest expense on customer deposits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestExpenseOnDepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-5310">10,385</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestExpenseOnDepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-5311">2,800</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestExpenseOnDepositsFromCustomers" scale="6" id="f-5312">915</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 54.75pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest income on debt securities at amortised cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342.75pt; position: var(--position); top: 54.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestIncomeForFinancialAssetsMeasuredAtAmortisedCost" scale="6" id="f-5313">877</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 54.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestIncomeForFinancialAssetsMeasuredAtAmortisedCost" scale="6" id="f-5314">591</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 54.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestIncomeForFinancialAssetsMeasuredAtAmortisedCost" scale="6" id="f-5315">468</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 522pt; position: var(--position); top: 54.75pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest expense on debt securities in issue<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 54.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestExpenseOnDebtInstrumentsIssued" format="ixt:num-dot-decimal" scale="6" id="f-5316">4,014</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 54.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestExpenseOnDebtInstrumentsIssued" format="ixt:num-dot-decimal" scale="6" id="f-5317">1,722</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 54.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestExpenseOnDebtInstrumentsIssued" format="ixt:num-dot-decimal" scale="6" id="f-5318">1,218</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest income on non-trading derivatives (hedge accounting)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342.75pt; position: var(--position); top: 69pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:InterestIncomeOnNonTradingDerivativesHedgeAccountingIfrs9" format="ixt:num-dot-decimal" scale="6" id="f-5319">10,682</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 69pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:InterestIncomeOnNonTradingDerivativesHedgeAccountingIfrs9" format="ixt:num-dot-decimal" scale="6" id="f-5320">4,011</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 69pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:InterestIncomeOnNonTradingDerivativesHedgeAccountingIfrs9" format="ixt:num-dot-decimal" scale="6" id="f-5321">2,361</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 522pt; position: var(--position); top: 69pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest expense on subordinated loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 69pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:InterestExpenseOnSubordinatedLoans" scale="6" id="f-5322">708</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 69pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:InterestExpenseOnSubordinatedLoans" scale="6" id="f-5323">648</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 69pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:InterestExpenseOnSubordinatedLoans" scale="6" id="f-5324">571</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 83.25pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Negative interest on liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342.75pt; position: var(--position); top: 83.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:NegativeInterestIncomeOnLiabilities" scale="6" id="f-5325">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 83.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:NegativeInterestIncomeOnLiabilities" scale="6" id="f-5326">887</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 83.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:NegativeInterestIncomeOnLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5327">1,487</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 522pt; position: var(--position); top: 83.25pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Negative interest on assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 83.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.4pt;"></span></span><span style="left: 33.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:NegativeInterestExpenseOnAssets" format="ixt:fixed-zero" scale="6" id="f-5328">&#8212;</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 83.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:NegativeInterestExpenseOnAssets" scale="6" id="f-5329">285</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 83.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:NegativeInterestExpenseOnAssets" scale="6" id="f-5330">572</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 97.5pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total interest income using effective interest rate method<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342.75pt; position: var(--position); top: 97.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestRevenueCalculatedUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-5331">44,658</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 97.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestRevenueCalculatedUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-5332">24,439</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 97.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestRevenueCalculatedUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-5333">18,577</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 522pt; position: var(--position); top: 97.5pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest expense on non-trading derivatives (hedge accounting)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 97.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:InterestExpenseOnNonTradingDerivativesQualifiedForHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="f-5334">11,849</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 97.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:InterestExpenseOnNonTradingDerivativesQualifiedForHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="f-5335">4,144</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 97.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:InterestExpenseOnNonTradingDerivativesQualifiedForHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="f-5336">1,700</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 522pt; position: var(--position); top: 111.75pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total interest expense using effective interest rate method<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 111.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:InterestExpensesCalculatedUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-5337">28,510</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 111.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:InterestExpensesCalculatedUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-5338">10,019</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 111.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:InterestExpensesCalculatedUsingEffectiveInterestMethod" format="ixt:num-dot-decimal" scale="6" id="f-5339">5,085</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 126pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest income on financial assets at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342.75pt; position: var(--position); top: 126pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestIncomeOnFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-5340">4,934</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 126pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestIncomeOnFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-5341">1,444</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 126pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestIncomeOnFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss" scale="6" id="f-5342">435</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 140.25pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest income on non-trading derivatives (no hedge accounting)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342.75pt; position: var(--position); top: 140.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:InterestIncomeOnNonTradingDerivativesNotQualifiedForHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="f-5343">2,637</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 140.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:InterestIncomeOnNonTradingDerivativesNotQualifiedForHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="f-5344">2,390</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 140.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:InterestIncomeOnNonTradingDerivativesNotQualifiedForHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="f-5345">2,025</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 522pt; position: var(--position); top: 140.25pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest expense on financial liabilities at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 140.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-5346">4,410</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 140.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-5347">1,237</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 140.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss" scale="6" id="f-5348">304</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 154.5pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest income other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342.75pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:MiscellaneousInterestIncome" scale="6" id="f-5349">171</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:MiscellaneousInterestIncome" scale="6" id="f-5350">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:MiscellaneousInterestIncome" scale="6" id="f-5351">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 522pt; position: var(--position); top: 154.5pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest expense on non-trading derivatives (no hedge accounting)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:InterestExpenseOnNonTradingDerivativesNotQualifiedForHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="f-5352">3,131</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:InterestExpenseOnNonTradingDerivativesNotQualifiedForHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="f-5353">2,411</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:InterestExpenseOnNonTradingDerivativesNotQualifiedForHedgeAccounting" format="ixt:num-dot-decimal" scale="6" id="f-5354">1,605</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 168.75pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total other interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342.75pt; position: var(--position); top: 168.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestIncomeOnOtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-5355">7,741</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 168.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestIncomeOnOtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-5356">3,934</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 168.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestIncomeOnOtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-5357">2,474</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 522pt; position: var(--position); top: 168.75pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest expense on lease liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 168.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestExpenseOnLeaseLiabilities" scale="6" id="f-5358">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 168.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestExpenseOnLeaseLiabilities" scale="6" id="f-5359">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 168.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestExpenseOnLeaseLiabilities" scale="6" id="f-5360">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 183pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342.75pt; position: var(--position); top: 183pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-5361">52,399</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387.75pt; position: var(--position); top: 183pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-5362">28,373</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 183pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:RevenueFromInterest" format="ixt:num-dot-decimal" scale="6" id="f-5363">21,051</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 522pt; position: var(--position); top: 183pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest expense other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 183pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:MiscellaneousInterestExpense" scale="6" id="f-5364">157</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 183pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:MiscellaneousInterestExpense" scale="6" id="f-5365">98</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 183pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:MiscellaneousInterestExpense" scale="6" id="f-5366">43</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 522pt; position: var(--position); top: 197.25pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total other interest expense<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 197.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestExpenseOnOtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5367">7,726</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 197.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestExpenseOnOtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5368">3,762</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 197.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestExpenseOnOtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-5369">1,966</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 522pt; position: var(--position); top: 211.5pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total interest expense<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 211.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-5370">36,237</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 211.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-5371">13,780</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 211.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-5372">7,051</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 522pt; position: var(--position); top: 241.5pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 241.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5373">16,162</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 241.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5374">14,593</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 241.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5375">14,000</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Total net interest income amounts to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 229.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5376">16,162</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 292.68pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 298.36pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 320.88pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 346.01pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5377">14,593</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 409pt; position: var(--position); text-decoration: none; white-space: pre;">; 2021: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 461.55999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5378">14,000</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 494.62pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million). <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 77.99000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest income was affected by reversing the hedge accounting impacts that are applied <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 443.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">under EU &#8216;IAS 39 carve-out&#8217;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 161.32pt; position: var(--position); text-decoration: none; white-space: pre;"> with an impact of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 265.05pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3225" decimals="-6" name="ing:IncreaseDecreaseOfNetInterestIncome" scale="6" id="f-5379">187</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 281.94pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 284.44pt; position: var(--position); text-decoration: none; white-space: pre;">million (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 320.04999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 342.57000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 367.70000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3226" decimals="-6" name="ing:IncreaseDecreaseOfNetInterestIncome" scale="6" id="f-5380">836</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 384.59000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> million). The net increase, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 455.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">without the IAS 39 carve out impact, is E<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 219.87pt; position: var(--position); text-decoration: none; white-space: pre;">UR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 234.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3227" decimals="-6" name="ing:IncreaseDecreaseOfNetInterestIncome" format="ixt:num-dot-decimal" scale="6" id="f-5381">1,382</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 259.68pt; position: var(--position); text-decoration: none; white-space: pre;"> mi<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 273.66999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">llion. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 297.02pt; position: var(--position); text-decoration: none; white-space: pre;">The increasing net interest income for 2023 and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 467.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2022 is a reflection of the interest rates during the period which repriced faster on the asset side compared <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 479.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to the liability side of the balance sheet<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 215.75pt; position: var(--position); text-decoration: none; white-space: pre;">. In 2022 an one-off adjustment was recorded in interest income on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 491.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">loans regarding the credit moratoria in Poland (EUR -<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 276.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3228" decimals="-6" sign="-" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5382">343</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 325.34000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Due to prevalent rates during the comparative years, Negative interest on liabilities includes the ECB funding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 530.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">rate benefit from the TLTRO III programme of<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 241.47pt; position: var(--position); text-decoration: none; white-space: pre;"> EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 264.19pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:ECBFundingRateBenefitOnTLTROIIProgramme" scale="6" id="f-5383">314</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 281.08000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> million in 2022 (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 354.82000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 377.34000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 402.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:ECBFundingRateBenefitOnTLTROIIProgramme" scale="6" id="f-5384">808</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 419.36pt; position: var(--position); text-decoration: none; white-space: pre;"> million), while for 2023 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 542.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Interest expense on deposits from banks includes interest paid under the TLTRO III programme of EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 554.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:InterestPaidUnderTLTROIIIProgramme" format="ixt:num-dot-decimal" scale="6" id="f-5385">557</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 89.28999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This was driven by the following applicable TLTRO III rates applicable for ING Group: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 926.44pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="number" contextRef="c-3229" decimals="4" sign="-" name="ing:FundingRateTLTROIII" scale="-4" id="f-5386">100</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 947.06pt; position: var(--position); text-decoration: none; white-space: pre;"> bps throughout the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">entire 2021 and the first half of 2022 until 23 June 2022; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 809.26pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="number" contextRef="c-3230" decimals="4" sign="-" name="ing:FundingRateTLTROIIISeries3" scale="-4" id="f-5387">37</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 824.25pt; position: var(--position); text-decoration: none; white-space: pre;"> bps, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 847.3399999999999pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="number" contextRef="c-3230" decimals="4" sign="-" name="ing:FundingRateTLTROIIISeries4" scale="-4" id="f-5388">36</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 862.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> bps, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 885.42pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="number" contextRef="c-3230" decimals="4" sign="-" name="ing:FundingRateTLTROIIISeries7" scale="-4" id="f-5389">29</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 900.41pt; position: var(--position); text-decoration: none; white-space: pre;"> bps between 23 June 2022 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 443.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and 22 November 2022 for ING's participation in series 3,4 and 7 of TLTRO III, respectively; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 957.19pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3231" decimals="4" name="ing:FundingRateTLTROIII" scale="-4" id="f-5390">150</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 974.0799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> bps between <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 455.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">22 November 2022 and 21 December 2022; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 752.42pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3232" decimals="4" name="ing:FundingRateTLTROIII" scale="-4" id="f-5391">200</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 769.31pt; position: var(--position); text-decoration: none; white-space: pre;"> bps from 21 December 2022 until 8 February 2023; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1002.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3233" decimals="3" name="ing:FundingRateTLTROIII" scale="-4" id="f-5392">250</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1018.91pt; position: var(--position); text-decoration: none; white-space: pre;"> bps <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 467.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">between 8 February 2023 and 22 March 2023; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 763.41pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3234" decimals="2" name="ing:FundingRateTLTROIII" scale="-4" id="f-5393">300</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 780.3pt; position: var(--position); text-decoration: none; white-space: pre;"> bps between 22 March 2023 and May 2023 and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 479.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">increased to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 612.61pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3235" decimals="2" name="ing:FundingRateTLTROIII" scale="-4" id="f-5394">400</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 629.5pt; position: var(--position); text-decoration: none; white-space: pre;"> bps during the period May to December 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -281<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_247"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory" id="f-5395" continuedAt="f-5395-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">21&#160;  Net fee and commission income<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-5395-1"><div style="position: var(--position); top: 81.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfNetFeeAndCommissionIncomeExplanatoryTableTextBlock" id="f-5396" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Net fee and commission income<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fee and commission income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Payment Services<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:PaymentServicesFeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-5397">2,062</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:PaymentServicesFeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-5398">1,888</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:PaymentServicesFeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-5399">1,661</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Securities business<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:SecuritiesBusinessFeeAndCommissionIncome" scale="6" id="f-5400">584</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:SecuritiesBusinessFeeAndCommissionIncome" scale="6" id="f-5401">632</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:SecuritiesBusinessFeeAndCommissionIncome" scale="6" id="f-5402">853</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Insurance and other broking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:InsuranceAndOtherBrokingFeeAndCommissionIncome" scale="6" id="f-5403">529</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:InsuranceAndOtherBrokingFeeAndCommissionIncome" scale="6" id="f-5404">682</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:InsuranceAndOtherBrokingFeeAndCommissionIncome" scale="6" id="f-5405">734</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Portfolio management<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" scale="6" id="f-5406">625</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" scale="6" id="f-5407">600</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:PortfolioAndOtherManagementFeeIncome" scale="6" id="f-5408">617</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Lending business<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:LendingBusinessFeeAndCommissionIncome" scale="6" id="f-5409">602</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:LendingBusinessFeeAndCommissionIncome" scale="6" id="f-5410">556</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:LendingBusinessFeeAndCommissionIncome" scale="6" id="f-5411">477</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 112.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial guarantees and other commitments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:FinancialGuaranteesAndOtherCommitments" scale="6" id="f-5412">459</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:FinancialGuaranteesAndOtherCommitments" scale="6" id="f-5413">496</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:FinancialGuaranteesAndOtherCommitments" scale="6" id="f-5414">458</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 126.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="f-5415">248</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="f-5416">232</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherFeeAndCommissionIncome" scale="6" id="f-5417">204</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 141pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total fee and commission income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 141pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-5418">5,109</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 141pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-5419">5,085</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 141pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:FeeAndCommissionIncome" format="ixt:num-dot-decimal" scale="6" id="f-5420">5,004</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 171pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fee and commission expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 185.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Payment Services<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 185.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:PaymentServicesFeeAndCommissionExpense" scale="6" id="f-5421">704</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 185.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:PaymentServicesFeeAndCommissionExpense" scale="6" id="f-5422">600</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 185.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:PaymentServicesFeeAndCommissionExpense" scale="6" id="f-5423">563</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 199.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Securities business<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 199.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:SecuritiesBusinessFeeAndCommissionExpense" scale="6" id="f-5424">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 199.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:SecuritiesBusinessFeeAndCommissionExpense" scale="6" id="f-5425">160</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 199.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:SecuritiesBusinessFeeAndCommissionExpense" scale="6" id="f-5426">164</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 213.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Distribution of products<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 213.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:DistributionOfProductsFeeAndCommissionExpense" scale="6" id="f-5427">480</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 213.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:DistributionOfProductsFeeAndCommissionExpense" scale="6" id="f-5428">555</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 213.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:DistributionOfProductsFeeAndCommissionExpense" scale="6" id="f-5429">591</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 228pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 228pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherFeeAndCommissionExpense" scale="6" id="f-5430">202</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 228pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherFeeAndCommissionExpense" scale="6" id="f-5431">184</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 228pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherFeeAndCommissionExpense" scale="6" id="f-5432">169</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 242.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total fee and commission expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 242.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-5433">1,514</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 242.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-5434">1,499</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 242.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:FeeAndCommissionExpense" format="ixt:num-dot-decimal" scale="6" id="f-5435">1,487</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 272.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net fee and commission income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 272.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5436">3,595</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 272.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5437">3,586</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 272.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5438">3,517</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Payment services fees are earned for providing services for deposit accounts and cards, cash management <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 400.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and transaction processing including interchange. Securities fees and commissions are fees for securities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 412.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">brokerage and securities underwriting. Portfolio management fees include fees earned for asset <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 424.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management activities, fiduciary and related activities in which ING holds or invests assets on behalf of its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 436.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">customers. Fees and commissions from Lending (syndication) business include income earned for lending <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 448.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">advisory, origination, underwriting and loan commitments which are not part of the effective interest rate. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 460.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial guarantees and other commitments fees and commissions are earned from bank guarantees, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 472.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">letters of credit and other trade finance related products, factoring and leasing. Fees paid for distribution of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 484.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">products are all fees paid for the distribution of ING&#8217;s products and services through external providers. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 511.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 136.95pt; position: var(--position); text-decoration: none; white-space: pre;">Note 30 'Segments'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 224.33pt; position: var(--position); text-decoration: none; white-space: pre;"> which includes net fee and commission income, as reported to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 523.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board and the Management Board Banking, disaggregated by line of business and by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 535.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">geographical segment.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_250"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:ValuationResultsAndNetTradingIncomeTextBlock" id="f-5439" continuedAt="f-5439-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">22&#160;  Valuation results and net trading income<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-5439-1" continuedAt="f-5439-2"><div style="position: var(--position); top: 81.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfDetailedInformationAboutValuationResultsAndNetTradingIncomeTableTextBlock" id="f-5440" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation results and net trading income<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Securities trading results<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:TradingIncomeExpenseOnSecurities" scale="6" id="f-5441">873</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ing:TradingIncomeExpenseOnSecurities" scale="6" id="f-5442">356</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:TradingIncomeExpenseOnSecurities" scale="6" id="f-5443">787</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives trading results<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:TradingIncomeExpenseOnDerivativeFinancialInstruments" scale="6" id="f-5444">116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:TradingIncomeExpenseOnDerivativeFinancialInstruments" scale="6" id="f-5445">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:TradingIncomeExpenseOnDerivativeFinancialInstruments" scale="6" id="f-5446">554</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other trading results<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherTradingIncomeExpense" scale="6" id="f-5447">273</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherTradingIncomeExpense" scale="6" id="f-5448">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherTradingIncomeExpense" scale="6" id="f-5449">84</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Change in fair value of derivatives relating to<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; fair value hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3236" decimals="-6" name="ifrs-full:GainsLossesOnChangeInFairValueOfDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-5450">1,606</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3237" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnChangeInFairValueOfDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-5451">5,928</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3238" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnChangeInFairValueOfDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-5452">1,317</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; cash flow hedges (ineffective portion)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3239" decimals="-6" name="ifrs-full:GainsLossesOnChangeInFairValueOfDerivatives" scale="6" id="f-5453">48</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3240" decimals="-6" name="ifrs-full:GainsLossesOnChangeInFairValueOfDerivatives" scale="6" id="f-5454">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3241" decimals="-6" name="ifrs-full:GainsLossesOnChangeInFairValueOfDerivatives" scale="6" id="f-5455">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 0pt; position: var(--position); top: 112.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; other non-trading derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 350.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3242" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnChangeInFairValueOfDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-5456">4,071</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 395.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3243" decimals="-6" name="ifrs-full:GainsLossesOnChangeInFairValueOfDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-5457">12,358</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 440.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3244" decimals="-6" name="ifrs-full:GainsLossesOnChangeInFairValueOfDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-5458">1,179</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 128.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Change in fair value of assets and liabilities (hedged items)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:GainsLossesOnChangeInFairValueOfHedgedItems" format="ixt:num-dot-decimal" scale="6" id="f-5459">1,679</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:GainsLossesOnChangeInFairValueOfHedgedItems" format="ixt:num-dot-decimal" scale="6" id="f-5460">5,563</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:GainsLossesOnChangeInFairValueOfHedgedItems" format="ixt:num-dot-decimal" scale="6" id="f-5461">1,330</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 142.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation results on assets and liabilities designated at FVPL (excluding trading)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 142.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:GainsLossesOnAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossExcludingTrading" scale="6" id="f-5462">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 142.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:GainsLossesOnAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossExcludingTrading" scale="6" id="f-5463">439</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 142.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ing:GainsLossesOnAssetsAndLiabilitiesDesignatedAtFairValueThroughProfitOrLossExcludingTrading" scale="6" id="f-5464">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 156.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Foreign exchange transactions results<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 156.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:TradingIncomeExpenseOnForeignExchangeContracts" format="ixt:num-dot-decimal" scale="6" id="f-5465">1,230</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 156.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:TradingIncomeExpenseOnForeignExchangeContracts" scale="6" id="f-5466">38</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 156.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:TradingIncomeExpenseOnForeignExchangeContracts" scale="6" id="f-5467">567</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 171pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.77pt;"></span></span><span style="left: 15.399999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:TradingIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5468">1,732</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 171pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:TradingIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5469">12,214</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 171pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:TradingIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5470">2,065</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In general, the fair value movements are influenced by changes in the market conditions, such as stock <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">prices, credit spreads, interest rates and currency exchange rates. In 2023, the financial markets were <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">characterised by elevated levels of volatility. In the first quarter of the year, the markets worldwide were <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">shaken by the demise of SVB bank and the stress surrounding Credit Suisse, fuelling uncertainty around <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">possible additional defaults. Furthermore, the ongoing interest rate hikes by the central banks in Europe and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the US led to a fast increase in rates worldwide. Toward the end of the year, the probability increased for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">interest rates going down, which has been reflected in the forward interest rates. In 2022, the market was <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">affected by a significant increase in interest rates volatility, interest-rate hikes across EU and US, and a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">steady fall of the EUR value and appreciation of USD, while in 2021 the market recovered from the Covid-19 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">pandemic, stabilised and returned to pre-pandemic levels. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 817.29pt; position: var(--position); text-decoration: none; white-space: pre;">This <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 837.4pt; position: var(--position); text-decoration: none; white-space: pre;">resulted in a negative EU IAS39 carve out <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adjustment of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 640.99pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3245" decimals="-6" name="ing:ImpactOfInterestRateVolatilityEUIAS39CarveOutAdjustment" format="ixt:num-dot-decimal" scale="6" id="f-5471">4,642</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 669.65pt; position: var(--position); text-decoration: none; white-space: pre;"> million in 2023 compared to a positive adjustment in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 910.1099999999999pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 932.63pt; position: var(--position); text-decoration: none; white-space: pre;"> (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 958.53pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3246" decimals="-6" sign="-" name="ing:ImpactOfInterestRateVolatilityEUIAS39CarveOutAdjustment" format="ixt:num-dot-decimal" scale="6" id="f-5472">10,713</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 989.0899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> million) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 585.37pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 607.89pt; position: var(--position); text-decoration: none; white-space: pre;"> (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 633.79pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3247" decimals="-6" sign="-" name="ing:ImpactOfInterestRateVolatilityEUIAS39CarveOutAdjustment" format="ixt:num-dot-decimal" scale="6" id="f-5473">1,218</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 658.72pt; position: var(--position); text-decoration: none; white-space: pre;"> million) which was the result of sharply increased interest rates.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 445.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Securities trading results includes the results of market making in instruments such as government <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 457.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">securities, equity securities, corporate debt securities, money-market instruments. Derivatives trading <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">results includes the results of derivatives such as interest rate swaps, options, futures, and forward <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 481.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contracts. Trading gains and losses relating to trading securities still held as at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 906.0799999999999pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 990.88pt; position: var(--position); text-decoration: none; white-space: pre;"> amount <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 587.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3248" decimals="-6" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-5474">160</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 636.38pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 642.06pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 664.5799999999999pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 689.71pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3249" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-5475">157</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 742.76pt; position: var(--position); text-decoration: none; white-space: pre;">; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 747.67pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 770.1899999999999pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR&#160;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 795.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3250" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-5476">268</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 848.37pt; position: var(--position); text-decoration: none; white-space: pre;">). The majority of the risks involved in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">security and currency trading are economically hedged with derivatives. The securities trading results are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">partly offset by results on these derivatives. The result of these derivatives is included in Derivatives trading <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">results. <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -282<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-5439-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Other trading results include the results of trading loans and funds entrusted.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 91.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Foreign exchange transactions results include gains and losses from spot and forward contracts, options, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">futures, and translated foreign currency assets and liabilities. The result on currency trading is included in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">foreign exchange transactions results.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Net trading income relates to trading assets and trading liabilities which include assets and liabilities that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are classified under IFRS as Trading but are closely related to servicing the needs of the clients of ING. ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">offers products that are traded on the financial markets to institutional clients, corporate clients, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">governments. ING&#8217;s trading books are managed based on internal limits and comprise a mix of products <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with results which could be offset. A significant part of the derivatives in the trading portfolio are related to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">servicing corporate clients in their risk management to hedge for example currency or interest rate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exposures. From a risk perspective, the gross amount of trading assets must be considered together with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the gross amount of trading liabilities, which are presented separately on the statement of financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">position. However, IFRS does not always allow netting of these positions in the statement of financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">position. Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 177.31pt; position: var(--position); text-decoration: none; white-space: pre;">Note 4 'Financial assets at fair value through profit or loss'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 436.12pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 458.36pt; position: var(--position); text-decoration: none; white-space: pre;">Note 14 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">'Financial liabilities at fair value through profit or loss'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 276.89pt; position: var(--position); text-decoration: none; white-space: pre;"> for information on trading assets and trading liabilities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">respectively.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;Valuation results and net trading income&#8217; include the fair value movements on derivatives (used for both <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hedge accounting and economically hedging exposures) as well as the changes in the fair value of assets <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and liabilities included in hedging relationships as hedged items. During 2023, the interest-rate movements <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">significantly affected the fair value changes of other non-trading derivatives as well as the fair value <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">changes of both the derivatives and the hedged items designated in fair value hedges. Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Note 36 'Derivatives and hedge accounting'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 234.4pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 236.9pt; position: var(--position); text-decoration: none; white-space: pre;"> for information on derivatives used for hedge accounting. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, derivatives trading results is also impacted by fair value movements arising from changes in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 400.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">credit spreads (CVA and DVA), bid offer spreads, model risk and incremental cost of funding on derivatives <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 412.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(FVA and CollVA). Refer to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 156.98000000000002pt; position: var(--position); text-decoration: none; white-space: pre;">Note 35 'Fair value of assets and liabilities'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 345.22pt; position: var(--position); text-decoration: none; white-space: pre;"> for information on these valuation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 424.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">adjustments. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation results on assets and liabilities designated at fair value through profit or loss (excluding trading)&#8217; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">include fair value changes on financial assets and financial liabilities driven by changed market conditions. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 475.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Refer to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 77.59pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 80.09pt; position: var(--position); text-decoration: none; white-space: pre;">Note 4 'Financial assets at fair value through profit or loss'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 338.9pt; position: var(--position); text-decoration: none; white-space: pre;"> and to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 372.96000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">Note 14 'Financial liabilities at fair <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 487.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">value through profit or loss'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 162.57pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 514.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, &#8216;Valuation results on assets and liabilities designated at fair value through profit or loss <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 526.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(excluding trading)&#8217; include fair value adjustments on own issued notes amounting to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 444.19000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:FairValueAdjustmentsOnOwnIssuedNotes" format="ixt:num-dot-decimal" scale="6" id="f-5477">230</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 497.24pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 538.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 43.15pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 65.67pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 90.8pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:FairValueAdjustmentsOnOwnIssuedNotes" format="ixt:num-dot-decimal" scale="6" id="f-5478">745</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 140.12pt; position: var(--position); text-decoration: none; white-space: pre;">; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 145.03pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 167.55pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 192.68pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:FairValueAdjustmentsOnOwnIssuedNotes" format="ixt:num-dot-decimal" scale="6" id="f-5479">65</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 236.37pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_253"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfInvestmentIncomeExplanatory" id="f-5480" continuedAt="f-5480-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">23&#160;  Investment income<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-5480-1"><div style="position: var(--position); top: 81.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfClassificationOfInvestmentIncomeExplanatoryTableTextBlock" id="f-5481" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Investment income<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividend income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-5482">105</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-5483">149</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:RevenueFromDividends" scale="6" id="f-5484">122</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 17.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 17.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.69pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised gains/losses on disposal of debt instruments measured at FVOCI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 17.25pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:GainLossOnDisposalOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5485">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 17.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:GainLossOnDisposalOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5486">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 17.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:GainLossOnDisposalOfDebtInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-5487">45</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 58.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income from and fair value gains/losses on investment properties<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 58.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" xsi:nil="true" name="ifrs-full:GainsLossesOnFairValueAdjustmentInvestmentProperty" id="f-5488"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 58.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnFairValueAdjustmentInvestmentProperty" scale="6" id="f-5489">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 58.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" xsi:nil="true" name="ifrs-full:GainsLossesOnFairValueAdjustmentInvestmentProperty" id="f-5490"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 72.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.89pt;"></span></span><span style="left: 31.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:InvestmentIncome" scale="6" id="f-5491">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 72.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:InvestmentIncome" scale="6" id="f-5492">181</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 72.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:InvestmentIncome" scale="6" id="f-5493">167</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 188.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 565.85pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 588.37pt; position: var(--position); text-decoration: none; white-space: pre;">, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 593.28pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 615.8pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 638.04pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 660.56pt; position: var(--position); text-decoration: none; white-space: pre;"> dividend income mainly consists of dividend received from ING&#8217;s equity stake in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 200.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Bank of Beijing.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 227.71pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_259"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 227.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory" id="f-5494" continuedAt="f-5494-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">24&#160;  Other net income<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-5494-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In <span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 565.85pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 588.37pt; position: var(--position); text-decoration: none; white-space: pre;">, Other net income of EUR <span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 706.05pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherOperatingIncomeExpense" scale="6" id="f-5495">147</ix:nonFraction> <span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 729.17pt; position: var(--position); text-decoration: none; white-space: pre;">million (<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 764.78pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 787.3pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 812.4300000000001pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:OtherOperatingIncomeExpense" scale="6" id="f-5496">56</ix:nonFraction> <span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 829.92pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 859.8499999999999pt; position: var(--position); text-decoration: none; white-space: pre;">; <span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 864.76pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 887.28pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 912.41pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherOperatingIncomeExpense" scale="6" id="f-5497">236</ix:nonFraction> <span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 931.8pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 961.73pt; position: var(--position); text-decoration: none; white-space: pre;">) includes EUR<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1024.37pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 261.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:GainLossFromHyperinflationRemeasurement" format="ixt:num-dot-decimal" scale="6" id="f-5498">244</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 608.0699999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 661.4pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ing:GainLossFromHyperinflationRemeasurement" format="ixt:num-dot-decimal" scale="6" id="f-5499">333</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 714.45pt; position: var(--position); text-decoration: none; white-space: pre;">) net monetary loss reflecting the IAS 29 hyperinflation impact in T&#252;rkiye <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 273.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">related to the indexation of T&#252;rkiye's statement of financial position and statement of profit or loss with an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 285.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">offsetting effect in the currency translation reserve. Furthermore, it includes the positive recovery of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 297.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">defaulted receivables of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 684.56pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" format="ixt:num-dot-decimal" scale="6" id="f-5500">25</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 728.25pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022 EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 779.17pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" format="ixt:num-dot-decimal" scale="6" id="f-5501">32</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 822.8599999999999pt; position: var(--position); text-decoration: none; white-space: pre;">; 2021 EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 873.01pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff" format="ixt:num-dot-decimal" scale="6" id="f-5502">25</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 916.7pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 324.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2022, other net income <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 673.14pt; position: var(--position); text-decoration: none; white-space: pre;">includes the proceeds of the agreement with Boursorama after our exit from the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 336.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">retail banking market in France of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 728.26pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:GainLossOnDivestitureOfBusiness" format="ixt:num-dot-decimal" scale="6" id="f-5503">125</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 777.5799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> and a gain of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 861.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:GainLossOnLiquidationOfEntity" scale="6" id="f-5504">67</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 872.76pt; position: var(--position); text-decoration: none; white-space: pre;"> million from a legacy entity in Retail <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 348.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 591.37pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2021, other net income included the recognition of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 815.89pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:ReceivableRelatedToTheInsolvencyOfAFinancialInstitution" format="ixt:num-dot-decimal" scale="6" id="f-5505">72</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 859.5799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> relating to a better than expected <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">recovery of the insolvency of a financial institution in the Netherlands and EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 908.41pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:ProceedsFromAgreementOfWithdrawalOfRetailBankingMarket" format="ixt:num-dot-decimal" scale="6" id="f-5506">34</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 952.0999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> proceeds of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">agreement with Raiffeisenbank due to the withdrawal from the retail banking market in the Czech Republic.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -283<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_262"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfEmployeeBenefitsExpenseExplanatory" id="f-5507" continuedAt="f-5507-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">25&#160;  Staff expenses<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-5507-1"><div style="position: var(--position); top: 81.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfStaffExpenseIncludingPensionAndOtherStaffRelatedCostTableTextBlock" id="f-5508" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Staff expenses<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Salaries<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:WagesAndSalaries" format="ixt:num-dot-decimal" scale="6" id="f-5509">4,559</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:WagesAndSalaries" format="ixt:num-dot-decimal" scale="6" id="f-5510">4,145</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:WagesAndSalaries" format="ixt:num-dot-decimal" scale="6" id="f-5511">4,011</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Pension costs and other staff-related benefit costs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:PensionCostsAndOtherStaffRelatedBenefitCosts" scale="6" id="f-5512">418</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:PensionCostsAndOtherStaffRelatedBenefitCosts" scale="6" id="f-5513">390</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:PensionCostsAndOtherStaffRelatedBenefitCosts" scale="6" id="f-5514">408</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Social security costs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:SocialSecurityContributions" scale="6" id="f-5515">635</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:SocialSecurityContributions" scale="6" id="f-5516">584</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:SocialSecurityContributions" scale="6" id="f-5517">563</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share-based compensation arrangements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ExpenseFromSharebasedPaymentTransactionsWithEmployees" scale="6" id="f-5518">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ExpenseFromSharebasedPaymentTransactionsWithEmployees" scale="6" id="f-5519">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 69.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ExpenseFromSharebasedPaymentTransactionsWithEmployees" scale="6" id="f-5520">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">External employees<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:ExternalEmployeeExpense" scale="6" id="f-5521">776</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:ExternalEmployeeExpense" scale="6" id="f-5522">738</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:ExternalEmployeeExpense" scale="6" id="f-5523">699</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Education<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:EducationExpense" scale="6" id="f-5524">50</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:EducationExpense" scale="6" id="f-5525">47</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:EducationExpense" scale="6" id="f-5526">47</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 112.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other staff costs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherEmployeeExpense" scale="6" id="f-5527">256</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherEmployeeExpense" scale="6" id="f-5528">222</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherEmployeeExpense" scale="6" id="f-5529">182</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-5530">6,725</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-5531">6,152</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" format="ixt:num-dot-decimal" scale="6" id="f-5532">5,941</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 242.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Share-based compensation arrangements include EUR </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 286.83000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 289.33000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:ExpenseFromEquitySettledSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="6" id="f-5533">31</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 333.02pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 338.70000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 361.22pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 386.35pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:ExpenseFromEquitySettledSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="6" id="f-5534">25</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 430.03999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 434.95000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 457.47pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 482.6pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:ExpenseFromEquitySettledSharebasedPaymentArrangement" scale="6" id="f-5535">29</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 493.86pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 254.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million) relating to equity-settled share-based payment arrangements and EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 397.99pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:ExpenseFromCashSettledSharebasedPaymentArrangement" format="ixt:fixed-zero" scale="6" id="f-5536">0&#160;million</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 436.04999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 441.73pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 464.25pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 489.38pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:ExpenseFromCashSettledSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="6" id="f-5537">1</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 266.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.9pt; position: var(--position); text-decoration: none; white-space: pre;">; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 74.81pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 97.33pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 122.46pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:ExpenseFromCashSettledSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="6" id="f-5538">2</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 160.51999999999998pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">) relating to cash-settled share-based payment arrangements.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 293.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfNumberOfEmployeesTableTextBlock" id="f-5539" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 127.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="10" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Number of employees<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 127.5pt; position: var(--position); top: 14.25pt; width: 119.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 119.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 65.55pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 246.75pt; position: var(--position); top: 14.25pt; width: 119.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 119.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 46.02pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of the world<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 14.25pt; width: 119.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 119.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 95.32pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 127.5pt; position: var(--position); top: 28.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 167.25pt; position: var(--position); top: 28.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207pt; position: var(--position); top: 28.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.16pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 246.75pt; position: var(--position); top: 28.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 286.5pt; position: var(--position); top: 28.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 326.25pt; position: var(--position); top: 28.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.16pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 28.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 28.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 445.5pt; position: var(--position); top: 28.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.16pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 127.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total average number of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">internal employees at full <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 127.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">time equivalent basis<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 127.5pt; position: var(--position); top: 42.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-429" decimals="0" name="ifrs-full:AverageNumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-5540">14,449</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 167.25pt; position: var(--position); top: 42.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-911" decimals="0" name="ifrs-full:AverageNumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-5541">14,488</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 207pt; position: var(--position); top: 42.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3251" decimals="0" name="ifrs-full:AverageNumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-5542">15,138</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 246.75pt; position: var(--position); top: 42.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3252" decimals="0" name="ifrs-full:AverageNumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-5543">44,985</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 286.5pt; position: var(--position); top: 42.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3253" decimals="0" name="ifrs-full:AverageNumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-5544">43,081</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 326.25pt; position: var(--position); top: 42.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3254" decimals="0" name="ifrs-full:AverageNumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-5545">42,523</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 366pt; position: var(--position); top: 42.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-1" decimals="0" name="ifrs-full:AverageNumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-5546">59,434</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 405.75pt; position: var(--position); top: 42.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-23" decimals="0" name="ifrs-full:AverageNumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-5547">57,569</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 445.5pt; position: var(--position); top: 42.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-2587" decimals="0" name="ifrs-full:AverageNumberOfEmployees" format="ixt:num-dot-decimal" scale="0" id="f-5548">57,660</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 393.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Remuneration of senior management, Executive Board and Supervisory Board<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 408.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 136.95pt; position: var(--position); text-decoration: none; white-space: pre;">Note 46 'Related parties'<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 246.58pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 439.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Share plans<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING grants various types of share awards, namely deferred shares, performance shares and upfront shares, <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which form part of the variable remuneration offering via the Long-term Sustainable Performance Plan <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(LSPP). The entitlement to the LSPP share awards is granted conditionally. If the participant remains in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">employment for an uninterrupted period between the grant date and the vesting date, the entitlement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">becomes unconditional, with the exception of the upfront shares which are immediately vested upon grant. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Upfront and deferred shares awarded to the Management Board members of ING Group as well as identified <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">staff, have a retention obligation that must be adhered to upon vesting, typically a minimum retention of 12 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">months applies. ING has the authority to apply a holdback to awarded but unvested shares and a clawback <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 552.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to vested shares<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The share awards granted in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 685.22pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 707.74pt; position: var(--position); text-decoration: none; white-space: pre;"> relate to the performance year <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 851.51pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 874.03pt; position: var(--position); text-decoration: none; white-space: pre;">. In <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 889.77pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 912.29pt; position: var(--position); text-decoration: none; white-space: pre;">, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 917.2pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3255" decimals="0" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5549">52,693</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 947.76pt; position: var(--position); text-decoration: none; white-space: pre;"> share awards <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 558.1999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 580.72pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 585.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3256" decimals="0" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5550">55,651</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 616.1899999999999pt; position: var(--position); text-decoration: none; white-space: pre;">; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 621.1pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 643.62pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 648.53pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3257" decimals="0" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" scale="0" id="f-5551">0</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 654.16pt; position: var(--position); text-decoration: none; white-space: pre;">) were granted to the members of the Executive Board of ING Groep N.V., and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1001.27pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3258" decimals="0" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5552">172,103</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1037.46pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">share awards (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 620.93pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 643.45pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 648.36pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3259" decimals="0" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5553">137,506</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 684.55pt; position: var(--position); text-decoration: none; white-space: pre;">; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 689.46pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 711.98pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 716.89pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3260" decimals="0" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5554">123,750</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 753.0799999999999pt; position: var(--position); text-decoration: none; white-space: pre;">) were granted to the Management Board Banking. To senior <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">management and other employees <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 717.39pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3261" decimals="0" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5555">3,244,951</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 761.62pt; position: var(--position); text-decoration: none; white-space: pre;"> share awards (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 830.03pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 852.55pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 857.46pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3262" decimals="0" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5556">2,913,926</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 901.69pt; position: var(--position); text-decoration: none; white-space: pre;">; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 906.5999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 929.12pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 934.03pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3263" decimals="0" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5557">3,267,372</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 978.26pt; position: var(--position); text-decoration: none; white-space: pre;">) were <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">granted.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2022 and 2021, the obligations with regard to share plans are funded by newly issued shares at the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">discretion of ING Group. As of 2023, shares are bought back from the market to fund share plans. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 178.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfNumberAndWeightedAverageGrantFairValuePricesOfShareAwardsTableTextBlock" id="f-5558" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 192.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in share awards<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 192.75pt; position: var(--position); top: 14.25pt; width: 157.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.44pt; width: 157.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 46.74pt; position: var(--position); text-decoration: none; white-space: pre;">Share awards (in numbers)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 135pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.04pt; width: 135pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.49pt; position: var(--position); text-decoration: none; white-space: pre;">Weighted average grant date <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.84pt; width: 135pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 51.27pt; position: var(--position); text-decoration: none; white-space: pre;">fair values (in euros)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 192.75pt; position: var(--position); top: 39pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 245.25pt; position: var(--position); top: 39pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 297.75pt; position: var(--position); top: 39pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.91pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 39pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 39pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 39pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 53.25pt; width: 192.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 192.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance as at 1 January<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 192.75pt; position: var(--position); top: 53.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3264" decimals="0" name="ifrs-full:NumberOfOutstandingShareOptions" format="ixt:num-dot-decimal" scale="0" id="f-5559">3,699,555</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 245.25pt; position: var(--position); top: 53.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3265" decimals="0" name="ifrs-full:NumberOfOutstandingShareOptions" format="ixt:num-dot-decimal" scale="0" id="f-5560">3,674,672</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 297.75pt; position: var(--position); top: 53.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3266" decimals="0" name="ifrs-full:NumberOfOutstandingShareOptions" format="ixt:num-dot-decimal" scale="0" id="f-5561">3,878,219</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 53.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3264" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" scale="0" id="f-5562">7.97</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 53.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3265" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" scale="0" id="f-5563">7.60</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 53.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3266" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" scale="0" id="f-5564">7.25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 67.5pt; width: 192.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 192.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Granted<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 192.75pt; position: var(--position); top: 67.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3267" decimals="0" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5565">3,469,747</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 245.25pt; position: var(--position); top: 67.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3268" decimals="0" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5566">3,107,083</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 297.75pt; position: var(--position); top: 67.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3269" decimals="0" name="ifrs-full:NumberOfShareOptionsGrantedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5567">3,391,122</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3267" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" scale="0" id="f-5568">9.71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3268" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" scale="0" id="f-5569">8.99</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3269" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsGrantedInSharebasedPaymentArrangement2019" scale="0" id="f-5570">9.69</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 81.75pt; width: 192.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 192.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Vested<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 192.75pt; position: var(--position); top: 81.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.78pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="shares" contextRef="c-3267" decimals="0" name="ifrs-full:NumberOfShareOptionsExercisedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5571">3,113,115</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 245.25pt; position: var(--position); top: 81.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.78pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="shares" contextRef="c-3268" decimals="0" name="ifrs-full:NumberOfShareOptionsExercisedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5572">2,962,698</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 297.75pt; position: var(--position); top: 81.75pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.78pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="shares" contextRef="c-3269" decimals="0" name="ifrs-full:NumberOfShareOptionsExercisedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5573">3,459,163</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 81.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3267" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019" scale="0" id="f-5574">8.83</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 81.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3268" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019" scale="0" id="f-5575">8.60</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 81.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3269" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsExercisedInSharebasedPaymentArrangement2019" scale="0" id="f-5576">9.25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 96pt; width: 192.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 192.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Forfeited<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 192.75pt; position: var(--position); top: 96pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="shares" contextRef="c-3267" decimals="0" name="ifrs-full:NumberOfShareOptionsForfeitedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5577">158,387</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 245.25pt; position: var(--position); top: 96pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="shares" contextRef="c-3268" decimals="0" name="ifrs-full:NumberOfShareOptionsForfeitedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5578">119,502</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 297.75pt; position: var(--position); top: 96pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="shares" contextRef="c-3269" decimals="0" name="ifrs-full:NumberOfShareOptionsForfeitedInSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5579">135,506</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 96pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3267" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019" scale="0" id="f-5580">8.54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 96pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3268" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019" scale="0" id="f-5581">7.63</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 96pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3269" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsForfeitedInSharebasedPaymentArrangement2019" scale="0" id="f-5582">7.61</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 110.25pt; width: 192.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 192.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 192.75pt; position: var(--position); top: 110.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 8.87pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3270" decimals="0" name="ifrs-full:NumberOfOutstandingShareOptions" format="ixt:num-dot-decimal" scale="0" id="f-5583">3,897,800</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 245.25pt; position: var(--position); top: 110.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 8.87pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3264" decimals="0" name="ifrs-full:NumberOfOutstandingShareOptions" format="ixt:num-dot-decimal" scale="0" id="f-5584">3,699,555</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 297.75pt; position: var(--position); top: 110.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 8.87pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-3265" decimals="0" name="ifrs-full:NumberOfOutstandingShareOptions" format="ixt:num-dot-decimal" scale="0" id="f-5585">3,674,672</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 110.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3270" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" scale="0" id="f-5586">8.81</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 110.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3264" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" scale="0" id="f-5587">7.97</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 110.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.03pt;"></span></span><span style="left: 24.66pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3265" decimals="2" name="ifrs-full:WeightedAverageExercisePriceOfShareOptionsOutstandingInSharebasedPaymentArrangement2019" scale="0" id="f-5588">7.60</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 323.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 580.25pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 665.05pt; position: var(--position); text-decoration: none; white-space: pre;">, the share awards consists of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 799.7pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-20" decimals="0" name="ing:ShareAwardsRelatingToEquitySettledSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5589">3,897,800</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 843.9300000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> share awards (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 912.3399999999999pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 934.8599999999999pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 939.77pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-21" decimals="0" name="ing:ShareAwardsRelatingToEquitySettledSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5590">3,201,579</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 984pt; position: var(--position); text-decoration: none; white-space: pre;">; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 988.91pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1011.4300000000001pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 335.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-22" decimals="0" name="ing:ShareAwardsRelatingToEquitySettledSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5591">3,154,715</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 599.25pt; position: var(--position); text-decoration: none; white-space: pre;">) relating to equity-settled share-based payment arrangements and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 907.12pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-20" decimals="0" name="ing:ShareAwardsRelatingToCashSettledSharebasedPaymentArrangement" scale="0" id="f-5592">0</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 912.75pt; position: var(--position); text-decoration: none; white-space: pre;"> share awards (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 981.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1003.6800000000001pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 347.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-21" decimals="0" name="ing:ShareAwardsRelatingToCashSettledSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5593">497,976</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 591.21pt; position: var(--position); text-decoration: none; white-space: pre;">; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 596.12pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 618.64pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 623.55pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-22" decimals="0" name="ing:ShareAwardsRelatingToCashSettledSharebasedPaymentArrangement" format="ixt:num-dot-decimal" scale="0" id="f-5594">519,957</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 659.74pt; position: var(--position); text-decoration: none; white-space: pre;">) relating to cash-settled share-based payment arrangements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The fair value of share awards granted is recognised as an expense under Staff expenses and is allocated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 386.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">over the vesting period of the share awards. The fair value calculation takes into account the current share <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 398.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">prices, expected volatilities and the dividend yield of ING shares. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 425.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 580.25pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 665.05pt; position: var(--position); text-decoration: none; white-space: pre;">, total unrecognised compensation costs related to share awards amount to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1028.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:UnrecognisedCompensationCostRelatedToShareAwards" scale="6" id="f-5595">15</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1039.28pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 437.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 590.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 613.15pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 638.28pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:UnrecognisedCompensationCostRelatedToShareAwards" scale="6" id="f-5596">13</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 649.54pt; position: var(--position); text-decoration: none; white-space: pre;"> million; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 686.88pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 709.4pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 734.53pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:UnrecognisedCompensationCostRelatedToShareAwards" scale="6" id="f-5597">13</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 745.79pt; position: var(--position); text-decoration: none; white-space: pre;"> million). These costs are expected to be recognised over a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 449.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">weighted average period of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 680.17pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-1" name="ing:WeightedAveragePeriodOfUnrecognisedCompensationCostsRelatedToShareAwards" format="ixt-sec:duryear" id="f-5598">2.0</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 693.8399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> years (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 726.9pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 749.42pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 754.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-23" name="ing:WeightedAveragePeriodOfUnrecognisedCompensationCostsRelatedToShareAwards" format="ixt-sec:duryear" id="f-5599">1.9</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 768pt; position: var(--position); text-decoration: none; white-space: pre;"> years; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 800.29pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 822.81pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 827.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonNumeric contextRef="c-2587" name="ing:WeightedAveragePeriodOfUnrecognisedCompensationCostsRelatedToShareAwards" format="ixt-sec:duryear" id="f-5600">1.7</ix:nonNumeric><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 841.39pt; position: var(--position); text-decoration: none; white-space: pre;"> years).<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -284<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_265"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory" id="f-5601" continuedAt="f-5601-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">26&#160;  Other operating expenses<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-5601-1"><div style="position: var(--position); top: 81.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfScheduleOfOtherOperatingExpenseTableTextBlock" id="f-5602" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Other operating expenses<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Regulatory costs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:RegulatoryCosts" format="ixt:num-dot-decimal" scale="6" id="f-5603">1,042</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:RegulatoryCosts" format="ixt:num-dot-decimal" scale="6" id="f-5604">1,250</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:RegulatoryCosts" format="ixt:num-dot-decimal" scale="6" id="f-5605">1,265</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Audit and non-audit services<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:AuditAndNonAuditServices" scale="6" id="f-5606">36</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:AuditAndNonAuditServices" scale="6" id="f-5607">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:AuditAndNonAuditServices" scale="6" id="f-5608">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">IT related expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:InformationTechnologyExpenses" scale="6" id="f-5609">948</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:InformationTechnologyExpenses" scale="6" id="f-5610">818</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:InformationTechnologyExpenses" scale="6" id="f-5611">781</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Advertising and public relations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdvertisingExpense" scale="6" id="f-5612">369</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AdvertisingExpense" scale="6" id="f-5613">331</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:AdvertisingExpense" scale="6" id="f-5614">305</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">External advisory fees<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfessionalFeesExpense" scale="6" id="f-5615">299</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfessionalFeesExpense" scale="6" id="f-5616">310</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfessionalFeesExpense" scale="6" id="f-5617">301</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Office expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AdministrativeExpense" scale="6" id="f-5618">289</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AdministrativeExpense" scale="6" id="f-5619">273</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:AdministrativeExpense" scale="6" id="f-5620">281</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 103.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Travel and accommodation expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:TravelExpense" scale="6" id="f-5621">125</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:TravelExpense" scale="6" id="f-5622">91</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:TravelExpense" scale="6" id="f-5623">52</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 116.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Contributions and subscriptions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:ContributionsAndSubscriptions" scale="6" id="f-5624">122</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:ContributionsAndSubscriptions" scale="6" id="f-5625">109</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:ContributionsAndSubscriptions" scale="6" id="f-5626">112</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 129pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Postal charges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:PostalCharges" scale="6" id="f-5627">36</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:PostalCharges" scale="6" id="f-5628">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:PostalCharges" scale="6" id="f-5629">38</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 141.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Depreciation of property and equipment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 141.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="f-5630">461</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 141.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="f-5631">485</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 141.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:DepreciationPropertyPlantAndEquipment" scale="6" id="f-5632">573</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 154.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amortisation of intangible assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-5633">213</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-5634">226</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:AmortisationIntangibleAssetsOtherThanGoodwill" scale="6" id="f-5635">261</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 167.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(Reversals of) impairments of property and equipment<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 167.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:ReversalsOfImpairmentsOfTangibleAssets" scale="6" id="f-5636">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 167.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ing:ReversalsOfImpairmentsOfTangibleAssets" scale="6" id="f-5637">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 167.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ing:ReversalsOfImpairmentsOfTangibleAssets" scale="6" id="f-5638">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 180pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(Reversals of) impairments of intangible assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:ReversalsOfImpairmentsOfIntangibleAssets" scale="6" id="f-5639">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ing:ReversalsOfImpairmentsOfIntangibleAssets" scale="6" id="f-5640">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ing:ReversalsOfImpairmentsOfIntangibleAssets" scale="6" id="f-5641">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 192.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Addition to / (unused amounts reversed of) provision for reorganisations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 192.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:AdditionUnusedAmountsReversedProvisionForReorganisationsAndRelocations" scale="6" id="f-5642">173</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 192.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:AdditionUnusedAmountsReversedProvisionForReorganisationsAndRelocations" scale="6" id="f-5643">170</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 192.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:AdditionUnusedAmountsReversedProvisionForReorganisationsAndRelocations" scale="6" id="f-5644">214</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 205.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Addition to / (unused amounts reversed of) other provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 205.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:AdditionUnusedAmountsReversedOfOtherProvisions" scale="6" id="f-5645">70</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 205.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:AdditionUnusedAmountsReversedOfOtherProvisions" scale="6" id="f-5646">117</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 205.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:AdditionUnusedAmountsReversedOfOtherProvisions" scale="6" id="f-5647">254</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 218.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 218.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" scale="6" id="f-5648">617</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 218.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" scale="6" id="f-5649">726</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 218.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:MiscellaneousOtherOperatingExpense" scale="6" id="f-5650">658</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 231pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:OtherExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-5651">4,839</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 231pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:OtherExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-5652">5,047</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 231pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:OtherExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-5653">5,251</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 345.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 136.95pt; position: var(--position); text-decoration: none; white-space: pre;">Note 9 'Property and equipment'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 283.56pt; position: var(--position); text-decoration: none; white-space: pre;"> for (reversals of) impairments of property and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 357.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">equipment and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 111.05pt; position: var(--position); text-decoration: none; white-space: pre;">Note 10 'Intangible assets'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 229.08pt; position: var(--position); text-decoration: none; white-space: pre;"> for (reversals of) impairments of intangible assets. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 384.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For further information on addition to (unused amounts reversed of) provision for reorganisations refer to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 396.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Note 15 'Provisions'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 126.99pt; position: var(--position); text-decoration: none; white-space: pre;"> and for further information on addition to (unused amounts reversed of) other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 408.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">provisions refer to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 122.73pt; position: var(--position); text-decoration: none; white-space: pre;">Note 15 'Provisions'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 209.75pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 231.99pt; position: var(--position); text-decoration: none; white-space: pre;">Note 42 'Legal proceedings'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 355.71000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 437.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Regulatory costs<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Regulatory costs represent contributions to the Deposit Guarantee Schemes (DGS), the Single Resolution <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Fund (SRF), local bank taxes and local resolution funds. Included in Regulatory costs for <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 429.40999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 451.92999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">, are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">contributions to DGS of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 165.57999999999998pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3271" decimals="-6" name="ing:ContributionsToDepositGuaranteeSchemes" format="ixt:num-dot-decimal" scale="6" id="f-5654">320</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 214.9pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 220.58pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 243.1pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 268.23pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3272" decimals="-6" name="ing:ContributionsToDepositGuaranteeSchemes" format="ixt:num-dot-decimal" scale="6" id="f-5655">425</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 317.54999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 322.46000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 344.98pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 370.11pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3273" decimals="-6" name="ing:ContributionsToDepositGuaranteeSchemes" format="ixt:num-dot-decimal" scale="6" id="f-5656">435</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 419.42999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">) mainly related to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands, Germany, Belgium and Poland and contributions to the SRF and local resolution funds of EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:ContributionsToSingleResolutionFund" format="ixt:num-dot-decimal" scale="6" id="f-5657">251</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 89.28999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 94.97pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 117.49pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 142.62pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:ContributionsToSingleResolutionFund" format="ixt:num-dot-decimal" scale="6" id="f-5658">354</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 191.94pt; position: var(--position); text-decoration: none; white-space: pre;">; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 196.85pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 219.37pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 244.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:ContributionsToSingleResolutionFund" format="ixt:num-dot-decimal" scale="6" id="f-5659">308</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 293.82pt; position: var(--position); text-decoration: none; white-space: pre;">). In 2023 local bank taxes increased by EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 491.89pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:IncreaseDecreaseInLocalBankTaxes" format="ixt:num-dot-decimal" scale="6" id="f-5660">1</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 514.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.9pt; position: var(--position); text-decoration: none; white-space: pre;"> from EUR<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 114.3pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 116.8pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:LocalBankTaxes" format="ixt:num-dot-decimal" scale="6" id="f-5661">470</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 166.12pt; position: var(--position); text-decoration: none; white-space: pre;"> in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 179.23pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 201.75pt; position: var(--position); text-decoration: none; white-space: pre;"> to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 236.29pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:LocalBankTaxes" format="ixt:num-dot-decimal" scale="6" id="f-5662">472</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 285.61pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 291.28999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 313.80999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 338.94000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:LocalBankTaxes" format="ixt:num-dot-decimal" scale="6" id="f-5663">522</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 388.26pt; position: var(--position); text-decoration: none; white-space: pre;">). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2022, ING Bank Slaski, together with <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 213.9pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="bank" contextRef="c-23" decimals="INF" name="ing:NumberOfPolishBanksPartyToTheInstitutionalProtectionScheme" format="ixt-sec:numwordsen" scale="0" id="f-5664">seven</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 239.95pt; position: var(--position); text-decoration: none; white-space: pre;"> other Polish banks, established an Institutional Protection <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 553.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Scheme (IPS). The fund can be used to ensure the liquidity and solvency of each of its participants, and to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assist in the resolution of participating and non-participating banks. The contribution by ING amounts to EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">nil<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 565.46pt; position: var(--position); text-decoration: none; white-space: pre;"> for 2023 (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 658.77pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:ContributionsToInstitutionalProtectionScheme" format="ixt:num-dot-decimal" scale="6" id="f-5665">99</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 702.46pt; position: var(--position); text-decoration: none; white-space: pre;"> and is recognized as regulatory costs (DGS).<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 106.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_268"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 106.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:AuditFeesDisclosureTextBlock" id="f-5666" continuedAt="f-5666-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">27&#160;  Audit fees<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-5666-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 123.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Total audit and non-audit services include the following fees for services provided by the Group&#8217;s auditor. <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="position: var(--position); top: 146.51pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfAdditionalInformationExplanatory" id="f-5667" continuedAt="f-5667-1" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 349.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Fees of Group&#8217;s auditors<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 349.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 349.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Audit fees<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.34pt;"></span></span><span style="left: 31.97pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AuditorsRemunerationForAuditServices" scale="6" id="f-5668">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.16pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AuditorsRemunerationForAuditServices" scale="6" id="f-5669">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:AuditorsRemunerationForAuditServices" scale="6" id="f-5670">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 349.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Audit related fees<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.4pt;"></span></span><span style="left: 37.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AuditorsRemunerationForOtherServices" scale="6" id="f-5671">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.16pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" xsi:nil="true" name="ifrs-full:AuditorsRemunerationForOtherServices" id="f-5672"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" xsi:nil="true" name="ifrs-full:AuditorsRemunerationForOtherServices" id="f-5673"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 349.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 22.7pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.98pt;"></span></span><span style="left: 31.61pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:AuditorsRemuneration" scale="6" id="f-5674">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.89pt;"></span></span><span style="left: 31.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:AuditorsRemuneration" scale="6" id="f-5675">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 55.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.89pt;"></span></span><span style="left: 31.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:AuditorsRemuneration" scale="6" id="f-5676">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-5667-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 221.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1&#160; <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 563.52pt; position: var(--position); text-decoration: none; white-space: pre;">The Group&#8217;s auditors did not provide any non-audit services.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 245.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Fees as disclosed in the table above relate to the network of the Group&#8217;s auditors and are the total expected <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 257.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">audit fees for the period excluding VAT.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 287.86pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_271"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 287.86pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfEarningsPerShareExplanatory" id="f-5677" continuedAt="f-5677-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">28&#160;  Earnings per ordinary share<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-5677-1" continuedAt="f-5677-2"><div style="position: var(--position); top: 304.66pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:EarningsPerShareExplanatory" id="f-5678" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 123pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="10" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Earnings per ordinary share<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 240pt; position: var(--position); top: 14.25pt; width: 132.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 132.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.27pt; position: var(--position); text-decoration: none; white-space: pre;">Weighted average number<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 27pt; width: 132.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 132.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.13pt; position: var(--position); text-decoration: none; white-space: pre;">of ordinary&#160; shares outstanding<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 123pt; position: var(--position); top: 41.25pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 42.03pt; position: var(--position); text-decoration: none; white-space: pre;">Amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 240pt; position: var(--position); top: 41.25pt; width: 132.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 132.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.7pt; position: var(--position); text-decoration: none; white-space: pre;">during the period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 41.25pt; width: 112.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 112.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.21pt; position: var(--position); text-decoration: none; white-space: pre;">Per ordinary share<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 123pt; position: var(--position); top: 54pt; width: 117pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 117pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.33pt; position: var(--position); text-decoration: none; white-space: pre;">(in EUR million)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 240pt; position: var(--position); top: 54pt; width: 132.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 132.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.28pt; position: var(--position); text-decoration: none; white-space: pre;">(in millions)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372.75pt; position: var(--position); top: 54pt; width: 112.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 112.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 40.65pt; position: var(--position); text-decoration: none; white-space: pre;">(in EUR)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 123pt; position: var(--position); top: 66.75pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 15.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 162pt; position: var(--position); top: 66.75pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 15.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 201pt; position: var(--position); top: 66.75pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 15.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 66.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 284.25pt; position: var(--position); top: 66.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 328.5pt; position: var(--position); top: 66.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372.75pt; position: var(--position); top: 66.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 66.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 66.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 81pt; width: 123pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 123pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Basic earnings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 123pt; position: var(--position); top: 81pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.97pt;"></span></span><span style="left: 13.600000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5679">4,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 162pt; position: var(--position); top: 81pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.12pt;"></span></span><span style="left: 7.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5680">12,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 201pt; position: var(--position); top: 81pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.18pt;"></span></span><span style="left: 12.809999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5681">5,951</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 81pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="-5" name="ifrs-full:WeightedAverageShares" format="ixt:num-dot-decimal" scale="6" id="f-5682">3,562.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 284.25pt; position: var(--position); top: 81pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-23" decimals="-5" name="ifrs-full:WeightedAverageShares" format="ixt:num-dot-decimal" scale="6" id="f-5683">3,619.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 328.5pt; position: var(--position); top: 81pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-2587" decimals="-5" name="ifrs-full:WeightedAverageShares" format="ixt:num-dot-decimal" scale="6" id="f-5684">3,888.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372.75pt; position: var(--position); top: 81pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.74pt;"></span></span><span style="left: 16.37pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="2" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-5685">1.16</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 81pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.74pt;"></span></span><span style="left: 16.37pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-23" decimals="2" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-5686">3.35</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 81pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.74pt;"></span></span><span style="left: 16.37pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-2587" decimals="2" name="ifrs-full:BasicEarningsLossPerShare" scale="0" id="f-5687">1.53</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 95.25pt; width: 123pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 123pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Basic earnings from <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 123pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">continuing operations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 123pt; position: var(--position); top: 95.25pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.25pt;"></span></span><span style="left: 12.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity" format="ixt:num-dot-decimal" scale="6" id="f-5688">4,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 162pt; position: var(--position); top: 95.25pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.22pt;"></span></span><span style="left: 6.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity" format="ixt:num-dot-decimal" scale="6" id="f-5689">12,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 201pt; position: var(--position); top: 95.25pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.46pt;"></span></span><span style="left: 12.09pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity" format="ixt:num-dot-decimal" scale="6" id="f-5690">5,951</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 372.75pt; position: var(--position); top: 95.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.2pt;"></span></span><span style="left: 15.829999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="f-5691">1.16</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 410.25pt; position: var(--position); top: 95.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.2pt;"></span></span><span style="left: 15.829999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-23" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="f-5692">3.35</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 447.75pt; position: var(--position); top: 95.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.2pt;"></span></span><span style="left: 15.829999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-2587" decimals="2" name="ifrs-full:BasicEarningsLossPerShareFromContinuingOperations" scale="0" id="f-5693">1.53</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 135pt; width: 123pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 123pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Effect of dilutive <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 123pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">instruments:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 159pt; width: 123pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 123pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 159pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="-5" name="ifrs-full:DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares" scale="6" id="f-5694"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="-5" name="ifrs-full:DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares" scale="6" id="f-5695">2.4</ix:nonFraction></ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 284.25pt; position: var(--position); top: 159pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-23" decimals="-5" name="ifrs-full:DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares" scale="6" id="f-5696"><ix:nonFraction unitRef="shares" contextRef="c-23" decimals="-5" name="ifrs-full:DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares" scale="6" id="f-5697">5.2</ix:nonFraction></ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 328.5pt; position: var(--position); top: 159pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-2587" decimals="-5" name="ifrs-full:DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares" scale="6" id="f-5698"><ix:nonFraction unitRef="shares" contextRef="c-2587" decimals="-5" name="ifrs-full:DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares" scale="6" id="f-5699">2.2</ix:nonFraction></ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 173.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.98pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="-5" name="ing:DilutedNumberOfShares" scale="6" id="f-5700"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="-5" name="ing:DilutedNumberOfShares" scale="6" id="f-5701">2.4</ix:nonFraction></ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 284.25pt; position: var(--position); top: 173.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.98pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-23" decimals="-5" name="ing:DilutedNumberOfShares" scale="6" id="f-5702"><ix:nonFraction unitRef="shares" contextRef="c-23" decimals="-5" name="ing:DilutedNumberOfShares" scale="6" id="f-5703">5.2</ix:nonFraction></ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 328.5pt; position: var(--position); top: 173.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.98pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-2587" decimals="-5" name="ing:DilutedNumberOfShares" scale="6" id="f-5704"><ix:nonFraction unitRef="shares" contextRef="c-2587" decimals="-5" name="ing:DilutedNumberOfShares" scale="6" id="f-5705">2.2</ix:nonFraction></ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 203.25pt; width: 123pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 123pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Diluted earnings<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 123pt; position: var(--position); top: 203.25pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.97pt;"></span></span><span style="left: 13.600000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" format="ixt:num-dot-decimal" scale="6" id="f-5706">4,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 162pt; position: var(--position); top: 203.25pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.12pt;"></span></span><span style="left: 7.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" format="ixt:num-dot-decimal" scale="6" id="f-5707">12,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 201pt; position: var(--position); top: 203.25pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.18pt;"></span></span><span style="left: 12.809999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" format="ixt:num-dot-decimal" scale="6" id="f-5708">5,951</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 240pt; position: var(--position); top: 203.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="-5" name="ifrs-full:AdjustedWeightedAverageShares" format="ixt:num-dot-decimal" scale="6" id="f-5709">3,565.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 284.25pt; position: var(--position); top: 203.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-23" decimals="-5" name="ifrs-full:AdjustedWeightedAverageShares" format="ixt:num-dot-decimal" scale="6" id="f-5710">3,624.3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 328.5pt; position: var(--position); top: 203.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-2587" decimals="-5" name="ifrs-full:AdjustedWeightedAverageShares" format="ixt:num-dot-decimal" scale="6" id="f-5711">3,890.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372.75pt; position: var(--position); top: 203.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.74pt;"></span></span><span style="left: 16.37pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="2" name="ifrs-full:DilutedEarningsLossPerShare" scale="0" id="f-5712">1.16</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 203.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.74pt;"></span></span><span style="left: 16.37pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-23" decimals="2" name="ifrs-full:DilutedEarningsLossPerShare" scale="0" id="f-5713">3.35</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 447.75pt; position: var(--position); top: 203.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.74pt;"></span></span><span style="left: 16.37pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-2587" decimals="2" name="ifrs-full:DilutedEarningsLossPerShare" scale="0" id="f-5714">1.53</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 217.5pt; width: 123pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 123pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Diluted earnings from <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 123pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">continuing operations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 123pt; position: var(--position); top: 217.5pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.25pt;"></span></span><span style="left: 12.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" format="ixt:num-dot-decimal" scale="6" id="f-5715">4,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 162pt; position: var(--position); top: 217.5pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.22pt;"></span></span><span style="left: 6.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" format="ixt:num-dot-decimal" scale="6" id="f-5716">12,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 201pt; position: var(--position); top: 217.5pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.46pt;"></span></span><span style="left: 12.09pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects" format="ixt:num-dot-decimal" scale="6" id="f-5717">5,951</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 372.75pt; position: var(--position); top: 217.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.2pt;"></span></span><span style="left: 15.829999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="f-5718">1.16</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 410.25pt; position: var(--position); top: 217.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.2pt;"></span></span><span style="left: 15.829999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-23" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="f-5719">3.35</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 447.75pt; position: var(--position); top: 217.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.2pt;"></span></span><span style="left: 15.829999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-2587" decimals="2" name="ifrs-full:DilutedEarningsLossPerShareFromContinuingOperations" scale="0" id="f-5720">1.53</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 3.04pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -285<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-5677-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Earnings per ordinary share is calculated on the basis of the weighted average number of ordinary shares <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">outstanding. In calculating the weighted <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 222.93pt; position: var(--position); text-decoration: none; white-space: pre;">average<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 259.19pt; position: var(--position); text-decoration: none; white-space: pre;"> number of ordinary shares outstanding, own shares held <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by group companies (including share buyback programmes) are deducted from the total number of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ordinary shares in issue.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 129.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Dilutive instruments<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Diluted earnings per share is calculated as if the share plans outstanding at the end of the period had been <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exercised at the beginning of the period and assuming that the cash received from dilutive instruments (if <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">any) is used to buy own shares against the average market price during the period. The net increase in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">number of shares resulting from exercising share plans is added to the average number of shares used for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 196.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the calculation of diluted earnings per share.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 226.31pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_274"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 226.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDividendsExplanatory" id="f-5721" continuedAt="f-5721-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">29&#160;  Dividend per ordinary share<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-5721-1"><div style="position: var(--position); top: 243.11pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfDividendPerOrdinaryShareExplanatoryTableTextBlock" id="f-5722" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 483.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 323.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 80.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 80.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 483.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Dividends to shareholders of the parent<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 323.25pt; position: var(--position); top: 14.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.45pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.55pt; position: var(--position); text-decoration: none; white-space: pre;">Per ordinary share<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.25pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.18pt; position: var(--position); text-decoration: none; white-space: pre;"> (in EUR)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24.75pt; left: 403.5pt; position: var(--position); top: 14.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.45pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.72pt; position: var(--position); text-decoration: none; white-space: pre;">Total&#160; (in EUR <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.25pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 47.86pt; position: var(--position); text-decoration: none; white-space: pre;">million)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividends on ordinary shares:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 51.75pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In respect of 2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Interim dividend, paid October 2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 66pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3274" decimals="3" name="ifrs-full:DividendsPaidOrdinarySharesPerShare" scale="0" id="f-5723">0.210</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 66pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.44pt;"></span></span><span style="left: 62.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3274" decimals="-6" name="ifrs-full:DividendsPaidOrdinaryShares" scale="6" id="f-5724">820</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 80.25pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Final dividend<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 80.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3275" decimals="3" name="ifrs-full:DividendsPaidOrdinarySharesPerShare" scale="0" id="f-5725">0.410</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 80.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3275" decimals="-6" name="ifrs-full:DividendsPaidOrdinaryShares" format="ixt:num-dot-decimal" scale="6" id="f-5726">1,548</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 94.5pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total dividend in respect of 2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 94.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.5pt;"></span></span><span style="left: 54.13pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-2587" decimals="3" name="ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare" scale="0" id="f-5727">0.620</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 94.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.5pt;"></span></span><span style="left: 54.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:DividendsRecognisedAsDistributionsToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5728">2,368</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 108.75pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In respect of 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 123pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Interim dividend, paid August 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 123pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3276" decimals="3" name="ifrs-full:DividendsPaidOrdinarySharesPerShare" scale="0" id="f-5729">0.170</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 123pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.44pt;"></span></span><span style="left: 62.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3276" decimals="-6" name="ifrs-full:DividendsPaidOrdinaryShares" scale="6" id="f-5730">636</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 137.25pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Final dividend, paid May 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 137.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3277" decimals="3" name="ifrs-full:DividendsPaidOrdinarySharesPerShare" scale="0" id="f-5731">0.389</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 137.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3277" decimals="-6" name="ifrs-full:DividendsPaidOrdinaryShares" format="ixt:num-dot-decimal" scale="6" id="f-5732">1,408</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 151.5pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total dividend in respect of 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 151.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.5pt;"></span></span><span style="left: 54.13pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-23" decimals="3" name="ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare" scale="0" id="f-5733">0.559</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 151.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.5pt;"></span></span><span style="left: 54.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DividendsRecognisedAsDistributionsToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5734">2,044</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 165.75pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In respect of 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 180pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Interim dividend declared, paid August 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 180pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3278" decimals="3" name="ifrs-full:DividendsPaidOrdinarySharesPerShare" scale="0" id="f-5735">0.350</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 180pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3278" decimals="-6" name="ifrs-full:DividendsPaidOrdinaryShares" format="ixt:num-dot-decimal" scale="6" id="f-5736">1,260</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 194.25pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Final dividend declared<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 194.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="3" name="ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare" scale="0" id="f-5737">0.756</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 194.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwners" format="ixt:num-dot-decimal" scale="6" id="f-5738">2,500</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 208.5pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total dividend in respect of 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 208.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.5pt;"></span></span><span style="left: 54.13pt; position: var(--position);"><ix:nonFraction unitRef="eurPerShare" contextRef="c-1" decimals="3" name="ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare" scale="0" id="f-5739">1.106</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 208.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.5pt;"></span></span><span style="left: 54.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:DividendsRecognisedAsDistributionsToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5740">3,760</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 485.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 55.28pt; position: var(--position); text-decoration: none; white-space: pre;">24&#160;April 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 114.28pt; position: var(--position); text-decoration: none; white-space: pre;">, the Annual General Meeting of shareholders ratified the total dividend of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 465.99pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3279" decimals="3" name="ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare" scale="0" id="f-5741">0.559</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 490.91999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> per <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 497.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ordinary share of which EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 168.53pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3276" decimals="2" name="ifrs-full:DividendsPaidOrdinarySharesPerShare" scale="0" id="f-5742">0.17</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 187.83pt; position: var(--position); text-decoration: none; white-space: pre;"> per share was paid as an interim cash dividend during <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 433.45000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">August 2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 490.30999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 509.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">final dividend of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 133.81pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3277" decimals="3" name="ifrs-full:DividendsPaidOrdinarySharesPerShare" scale="0" id="f-5743">0.389</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 158.74pt; position: var(--position); text-decoration: none; white-space: pre;"> per ordinary share was paid entirely in cash. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 593.28pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:OtherCashDistributions" format="ixt:fixed-zero" scale="0" id="f-5744">no</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 604.79pt; position: var(--position); text-decoration: none; white-space: pre;"> other cash distributions were paid to shareholders of ING Group (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 896.3399999999999pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 918.8599999999999pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 943.99pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:OtherCashDistributions" format="ixt:num-dot-decimal" scale="6" id="f-5745">1,171</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 968.92pt; position: var(--position); text-decoration: none; white-space: pre;"> million, EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-23" decimals="2" name="ing:OtherCashDistributionsPerShare" scale="0" id="f-5746">0.31</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 574.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> per share; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 623.81pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 646.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 671.46pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:OtherCashDistributions" format="ixt:num-dot-decimal" scale="6" id="f-5747">1,054</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 696.39pt; position: var(--position); text-decoration: none; white-space: pre;"> million, EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 753.95pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-2587" decimals="2" name="ing:OtherCashDistributionsPerShare" scale="0" id="f-5748">0.27</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 773.25pt; position: var(--position); text-decoration: none; white-space: pre;"> per share).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V. is required to withhold tax of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 753.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="2" name="ing:WithholdingTaxOnDividendsPaid" scale="-2" id="f-5749">15</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 773.37pt; position: var(--position); text-decoration: none; white-space: pre;"> on dividends paid.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 130.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to Note 19 'Equity' for fur<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 753.01pt; position: var(--position); text-decoration: none; white-space: pre;">ther information on share buyback programmes and other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">distributions.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 174.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_286"></div><div style="font-size: 12pt; line-height: 16pt; position: var(--position); top: 174.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory" id="f-5750" continuedAt="f-5750-1" escape="true"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Segment reporting<span style="display: inline-block; height: 12pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-5750-1" continuedAt="f-5750-2"><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 212.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">30&#160;  Segments<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 228.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group&#8217;s segments are based on the internal reporting structure by lines of business.<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 260.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Executive Board of ING Group and the Management Board Banking (together the Chief Operating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 272.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Decision Maker (CODM)) set the performance targets, approve and monitor the budgets prepared by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 284.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business lines. Business lines formulate strategic, commercial, and financial plans in conformity with the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 296.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">strategy and performance targets set by the CODM.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 323.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Recognition and measurement of segment results are in line with the accounting policies as described in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 335.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Note 1 'Basis of preparation and material accounting policy information'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 877.75pt; position: var(--position); text-decoration: none; white-space: pre;">. The results for the period for each <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 347.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reportable segment are after intercompany and intersegment eliminations and are those reviewed by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 359.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">CODM to assess performance of the segments. Corporate expenses are allocated to business lines based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 371.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">time spent by head office personnel, the relative number of staff, or on the basis of income, expenses and/or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 383.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assets of the segment.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -286<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-5750-2" continuedAt="f-5750-3"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfOperatingSegmentsExplanatory" id="f-5751" continuedAt="f-5751-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Th<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 50.83pt; position: var(--position); text-decoration: none; white-space: pre;">e following table specifies the segments by line of business and main sources of income of each of the <span style="display: inline-block; height: 7.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-5751-1" continuedAt="f-5751-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">segments:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 88.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 486pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 177.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 308.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 486pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 486pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Specification of the main sources of income of each of the segments by line of business<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 177.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 177.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Segments by line of business<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 177.75pt; position: var(--position); top: 14.25pt; width: 308.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Main source of income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 39.75pt;"><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 55.5pt; left: 0pt; position: var(--position); top: 27pt; width: 177.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 18.41pt; width: 177.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Netherlands <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 29.21pt; width: 177.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(Market Leaders)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 55.5pt; left: 177.75pt; position: var(--position); top: 27pt; width: 308.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.61pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income from retail and private banking activities in the Netherlands, <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 18.41pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">including the Business Banking segments. The main products offered are <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 29.21pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">current and savings accounts, business lending, mortgages and other <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 40.01pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">consumer lending.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="2" rowspan="1" style="display: none;"/></tr><tr style="height: 19.5pt;"><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 82.5pt; width: 177.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.29pt; width: 177.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Belgium <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 19.09pt; width: 177.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(Market Leaders)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 177.75pt; position: var(--position); top: 82.5pt; width: 308.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income from retail and private banking activities in Belgium and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Luxembourg, including the Business Banking segments. The main products <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">offered are similar to those in the Netherlands.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="2" rowspan="1" style="display: none;"/></tr><tr style="height: 19.5pt;"><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 117.75pt; width: 177.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.29pt; width: 177.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 19.09pt; width: 177.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> (Challengers and Growth Markets)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 177.75pt; position: var(--position); top: 117.75pt; width: 308.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income from retail and private banking activities in Germany, including the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Business Banking segments. The main products offered are similar to those <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in the Netherlands.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="2" rowspan="1" style="display: none;"/></tr><tr style="height: 19.5pt;"><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 153pt; width: 177.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.29pt; width: 177.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Other <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 19.09pt; width: 177.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(Challengers and Growth Markets)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 177.75pt; position: var(--position); top: 153pt; width: 308.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income from retail banking activities in the rest of the world, including the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Business Banking segments in specific geographies. The main products <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">offered are similar to those in the Netherlands.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="2" rowspan="1" style="display: none;"/></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 188.25pt; width: 177.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 177.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 177.75pt; position: var(--position); top: 188.25pt; width: 308.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income from wholesale banking activities. The main products are: lending, <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">payments &amp; cash management, working capital solutions, trade finance, <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 308.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">financial markets, corporate finance and treasury.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="position: var(--position); top: 332.41pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 162pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 323.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Specification of geographical split of the segments<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 162pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 162pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Geographical split of the segments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 162pt; position: var(--position); top: 14.25pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Main countries<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 162pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 162pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">The Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 162pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 162pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 162pt; position: var(--position); top: 42.75pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Including Luxembourg<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 162pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 162pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Germany <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 42.6pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1,4<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 162pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 162pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other Challengers <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 76.97pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1,2,4<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 162pt; position: var(--position); top: 71.25pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Australia, Italy, Spain and Portugal<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 162pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 162pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Growth Markets <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 68.5pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2,3,4<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 162pt; position: var(--position); top: 85.5pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Poland, Romania and T&#252;rkiye<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 162pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 162pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking Rest of World <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 137.42pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">4<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 162pt; position: var(--position); top: 99.75pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">UK, Ireland &amp; Middle East, Americas, Asia and other countries in Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 162pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 162pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 27.77pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">3<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 162pt; position: var(--position); top: 114pt; width: 323.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 323.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Line<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 465.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1 Retail Banking Austria (included in Germany) and Retail Banking Czech Republic (included in Other Challengers) up to and including<span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 478.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;  2021, after which ING left the retail markets.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 487.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2 In 2022, ING discontinued its retail activities in France and the Philippines.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 497.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3 In 2023, there was a change in the governance over the Asian stakes, which resulted in their transfer from Retail Banking Growth<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 507.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; Markets to Other (Corporate Line). Comparatives have been adjusted.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 516.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">4 As from 2023, Wholesale Banking in France as well as Wholesale Banking in the Philippines are recorded in Wholesale Banking Rest of<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 526.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;  World. Previously these financials were reported in Other Challengers and Growth Markets respectively. Comparatives have been<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 535.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;  adjusted. As from 2022, Wholesale Banking Austria as well as Wholesale Banking Czech Republic are recorded in Wholesale Banking<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 545.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#160; &#160; Rest of World. Previously these financials were reported in Germany and Other Challengers respectively.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group monitors and evaluates the performance of ING Group at a consolidated level and by segment. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Executive Board and the Management Board Banking consider this to be relevant to an understanding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of the Group&#8217;s financial performance, because it allows investors to understand the primary method used <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">by management to evaluate the Group&#8217;s operating performance and make decisions about allocating <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">resources.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, ING Group believes that the presentation of results in accordance with IFRS-EU helps investors <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">compare its segment performance on a meaningful basis by highlighting result before tax attributable to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ongoing operations and the profitability of the segment businesses. IFRS-EU result is derived by including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the impact of the IFRS-EU &#8216;IAS 39 carve out&#8217; adjustment.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The IFRS-EU &#8216;IAS 39 carve-out&#8217; adjustment relates to fair value portfolio hedge accounting strategies for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mortgage and savings portfolios in the Benelux, Germany and Other Challengers that are not eligible under <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">IFRS-IASB. As no hedge accounting is applied to these mortgage and savings portfolios under IFRS-IASB, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">fair value changes of the derivatives are not offset by fair value changes of the hedge items (mortgages and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">savings).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The segment reporting in the annual report on Form 20-F has been prepared in accordance with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">International Financial Reporting Standards as issued by the EU (IFRS-EU) and reconciled to International <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Reporting Standards as issued by the International Accounting Standards Board (IFRS-IASB) for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">consistency with the other financial information contained in this report. The difference between the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">accounting standards is reflected in the Wholesale Banking segment, and in the geographical split of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">segments in the Netherlands, Belgium, Germany and Other Challengers. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 652pt; position: var(--position); text-decoration: none; white-space: pre;">Note 1 'Basis of preparation and material accounting policy information'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 974.73pt; position: var(--position); text-decoration: none; white-space: pre;"> for a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reconciliation between IFRS-EU and IFRS-IASB. Corporate expenses are allocated to business lines based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">time spent by head office personnel, the relative number of staff, or on the basis of income, expenses and/or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 400.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assets of the segment.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group reconciles the total segment results to the total result using Corporate Line. The Corporate Line <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 439.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reflects capital management activities, as ING Group applies a system of capital charging for its banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">operations in order to create a comparable basis for the results of business units globally, irrespective of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business units&#8217; book equity and the currency they operate in. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As from 2022, results in the Corporate Line have been impacted by the application of hyperinflation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">accounting in the consolidation of our subsidiary in T&#252;rkiye (IAS 29).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">F<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 559.75pt; position: var(--position); text-decoration: none; white-space: pre;">ollowing a change in governance, the Asian stakes (our investments in Bank of Beijing and TMBThanachart <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Bank (TTB)) are reported in Corporate Line as of 2023 (with a profit before tax of &#8364;<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 918.0699999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3280" decimals="-6" name="ifrs-full:ShareOfProfitLossOfAssociatesAccountedForUsingEquityMethod" scale="6" id="f-5752">185</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 934.96pt; position: var(--position); text-decoration: none; white-space: pre;"> million), whereas <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 553.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">previously they were reported in Retail Other. Comparable data have been adjusted accordingly.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -287<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-5750-3" continuedAt="f-5750-4"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, Corporate Line includes certain other income and expenses that are not allocated to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">banking businesses. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">T<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 45pt; position: var(--position); text-decoration: none; white-space: pre;">otal income for Corporate Line in 2023 amounted to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 300.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3281" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-5753">450</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 317.65pt; position: var(--position); text-decoration: none; white-space: pre;"> million compared with EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 442.94000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3282" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-5754">84</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 454.20000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> million in 2022. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This included a hyperinflation accounting impact of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 292.03pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3281" decimals="-6" sign="-" name="ing:HyperinflationaryAccountingIncome" scale="6" id="f-5755">179</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 312.65pt; position: var(--position); text-decoration: none; white-space: pre;"> million in 2023 versus EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 434.54999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3282" decimals="-6" sign="-" name="ing:HyperinflationaryAccountingIncome" scale="6" id="f-5756">279</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 455.16999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> million in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2022. Excluding hyperinflation accounting impact, total income rose by EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 381.6pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3281" decimals="-6" name="ing:RevenueExcludingHyperinflationaryImpacts" scale="6" id="f-5757">266</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 398.49pt; position: var(--position); text-decoration: none; white-space: pre;"> million, mainly attributable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to higher income from Treasury activities and because 2022 had included EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 391.44000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3283" decimals="-6" sign="-" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLoss" scale="6" id="f-5758">165</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 412.05999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> million impact for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impairments on our stake in TTB. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Operating expenses for Corporate Line were EUR<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 256.52pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 259.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3281" decimals="-6" name="ifrs-full:OperatingExpense" scale="6" id="f-5759">542</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 275.90999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"> million, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 313.25pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3281" decimals="3" name="ing:PercentageIncreaseInOperatingExpenses" scale="1" id="f-5760">1.3</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 335.53pt; position: var(--position); text-decoration: none; white-space: pre;"> up from EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 396.33000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3282" decimals="-6" name="ifrs-full:OperatingExpense" scale="6" id="f-5761">535</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 413.22pt; position: var(--position); text-decoration: none; white-space: pre;"> million in 2022. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Expenses in 2023 included a hyperinflation impact of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 298.98pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3281" decimals="-6" name="ing:HyperinflationaryAccountingNetProfitLoss" scale="6" id="f-5762">48</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 310.24pt; position: var(--position); text-decoration: none; white-space: pre;"> million and EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 385.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3282" decimals="-6" name="ing:ProvisionForHyperinflationaryImpact" scale="6" id="f-5763">51</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 396.39pt; position: var(--position); text-decoration: none; white-space: pre;"> million that was <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">provisioned, while 2022 had included a hyperinflation impact of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 346.48pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3282" decimals="-6" name="ing:HyperinflationaryAccountingNetProfitLoss" scale="6" id="f-5764">30</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 357.74pt; position: var(--position); text-decoration: none; white-space: pre;"> million and a EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 440.78pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3282" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossGoodwill" scale="6" id="f-5765">32</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 452.03999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> million <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impairment loss related to the goodwill allocated to T&#252;rkiye.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The information presented in this note is in line with the information presented to the Executive Board of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 253.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group and Management Board Banking.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 280.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This note does not provide information on the types of products and services from which each reportable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 292.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">segment derives its revenues, as this is not reported internally and is therefore not readily available.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -288<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-5750-4" continuedAt="f-5750-5"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfOperatingSegmentsUnderlyingIncomeExpensesExplanatory" id="f-5766" continuedAt="f-5766-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 228pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="16" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Reconciliation between IFRS-IASB and IFRS-EU income, expense and net result<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 228pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 228pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">12 month period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 228pt; position: var(--position); top: 14.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-left: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 494.25pt; position: var(--position); top: 14.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 50.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 26.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-left: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 748.5pt; position: var(--position); top: 14.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 50.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 26.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 27pt; width: 228pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 228pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 228pt; position: var(--position); top: 27pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.76pt; position: var(--position); text-decoration: none; white-space: pre;">Income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 280.5pt; position: var(--position); top: 27pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.58pt; position: var(--position); text-decoration: none; white-space: pre;">Expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 333pt; position: var(--position); top: 27pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.16pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 385.5pt; position: var(--position); top: 27pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.23pt; position: var(--position); text-decoration: none; white-space: pre;">Non-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.28pt; position: var(--position); text-decoration: none; white-space: pre;">controlling <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.22pt; position: var(--position); text-decoration: none; white-space: pre;">interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 443.25pt; position: var(--position); top: 27pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.5pt; position: var(--position); text-decoration: none; white-space: pre;">Net result <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 45.08pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 494.25pt; position: var(--position); top: 27pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.51pt; position: var(--position); text-decoration: none; white-space: pre;">Income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 544.5pt; position: var(--position); top: 27pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.33pt; position: var(--position); text-decoration: none; white-space: pre;">Expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 594.75pt; position: var(--position); top: 27pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.91pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 645pt; position: var(--position); top: 27pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.73pt; position: var(--position); text-decoration: none; white-space: pre;">Non-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.78pt; position: var(--position); text-decoration: none; white-space: pre;">controlling <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.72pt; position: var(--position); text-decoration: none; white-space: pre;">interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 698.25pt; position: var(--position); top: 27pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5pt; position: var(--position); text-decoration: none; white-space: pre;">Net result<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 44.33pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 748.5pt; position: var(--position); top: 27pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.51pt; position: var(--position); text-decoration: none; white-space: pre;">Income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 798.75pt; position: var(--position); top: 27pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.33pt; position: var(--position); text-decoration: none; white-space: pre;">Expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 849pt; position: var(--position); top: 27pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.91pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 899.25pt; position: var(--position); top: 27pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.73pt; position: var(--position); text-decoration: none; white-space: pre;">Non-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.78pt; position: var(--position); text-decoration: none; white-space: pre;">controlling <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.72pt; position: var(--position); text-decoration: none; white-space: pre;">interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 949.5pt; position: var(--position); top: 27pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5pt; position: var(--position); text-decoration: none; white-space: pre;">Net result<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 44.33pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 62.25pt; width: 228pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 228pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-IASB attributable to equity holder of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 228pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the parent<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 228pt; position: var(--position); top: 62.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.76pt;"></span></span><span style="left: 23.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-5767">18,121</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 280.5pt; position: var(--position); top: 62.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.76pt;"></span></span><span style="left: 23.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-5768">12,084</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 333pt; position: var(--position); top: 62.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26pt;"></span></span><span style="left: 28.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-5769">1,662</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 385.5pt; position: var(--position); top: 62.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.65pt;"></span></span><span style="left: 41.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-5770">235</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 443.25pt; position: var(--position); top: 62.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.5pt;"></span></span><span style="left: 27.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5771">4,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 494.25pt; position: var(--position); top: 62.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.51pt;"></span></span><span style="left: 21.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-5772">30,418</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 544.5pt; position: var(--position); top: 62.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.51pt;"></span></span><span style="left: 21.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-5773">13,060</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 594.75pt; position: var(--position); top: 62.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.75pt;"></span></span><span style="left: 26.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-5774">5,130</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 645pt; position: var(--position); top: 62.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.15pt;"></span></span><span style="left: 36.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-5775">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 698.25pt; position: var(--position); top: 62.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.51pt;"></span></span><span style="left: 21.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5776">12,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 748.5pt; position: var(--position); top: 62.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.51pt;"></span></span><span style="left: 21.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-5777">20,093</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 798.75pt; position: var(--position); top: 62.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.51pt;"></span></span><span style="left: 21.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-5778">11,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 849pt; position: var(--position); top: 62.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.75pt;"></span></span><span style="left: 26.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-5779">2,306</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 899.25pt; position: var(--position); top: 62.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.15pt;"></span></span><span style="left: 33.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-5780">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 949.5pt; position: var(--position); top: 62.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.75pt;"></span></span><span style="left: 26.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5781">5,951</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 102pt; width: 228pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 228pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remove impact of:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 116.25pt; width: 228pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 228pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustment of the EU 'IAS 39 carve out' <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 162.65pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 228pt; position: var(--position); top: 116.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.72pt;"></span></span><span style="left: 29.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3284" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-5782">4,455</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333pt; position: var(--position); top: 116.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.72pt;"></span></span><span style="left: 29.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3284" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-5783">1,308</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 443.25pt; position: var(--position); top: 116.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3284" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5784">3,147</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 494.25pt; position: var(--position); top: 116.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.06pt;"></span></span><span style="left: 18.689999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3285" decimals="-6" sign="-" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-5785">11,856</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 594.75pt; position: var(--position); top: 116.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.12pt;"></span></span><span style="left: 23.75pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3285" decimals="-6" sign="-" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-5786">3,405</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 698.25pt; position: var(--position); top: 116.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.12pt;"></span></span><span style="left: 23.75pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3285" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5787">8,451</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 748.5pt; position: var(--position); top: 116.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.12pt;"></span></span><span style="left: 23.75pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3286" decimals="-6" sign="-" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-5788">1,603</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 849pt; position: var(--position); top: 116.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.34pt;"></span></span><span style="left: 30.97pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3286" decimals="-6" sign="-" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-5789">429</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 116.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.12pt;"></span></span><span style="left: 23.75pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3286" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5790">1,174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 130.5pt; width: 228pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 228pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result IFRS-EU <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 65.17pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 228pt; position: var(--position); top: 130.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.76pt;"></span></span><span style="left: 23.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3287" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-5791">22,575</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 280.5pt; position: var(--position); top: 130.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.76pt;"></span></span><span style="left: 23.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3287" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-5792">12,084</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 333pt; position: var(--position); top: 130.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26pt;"></span></span><span style="left: 28.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3287" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-5793">2,970</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 130.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.65pt;"></span></span><span style="left: 41.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3287" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-5794">235</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 443.25pt; position: var(--position); top: 130.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.5pt;"></span></span><span style="left: 27.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3287" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5795">7,287</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 494.25pt; position: var(--position); top: 130.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.51pt;"></span></span><span style="left: 21.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3288" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-5796">18,561</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 544.5pt; position: var(--position); top: 130.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.51pt;"></span></span><span style="left: 21.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3288" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-5797">13,060</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 594.75pt; position: var(--position); top: 130.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.75pt;"></span></span><span style="left: 26.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3288" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-5798">1,725</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 645pt; position: var(--position); top: 130.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.15pt;"></span></span><span style="left: 36.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3288" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-5799">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 698.25pt; position: var(--position); top: 130.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.75pt;"></span></span><span style="left: 26.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3288" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5800">3,674</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 748.5pt; position: var(--position); top: 130.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.51pt;"></span></span><span style="left: 21.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3289" decimals="-6" name="ifrs-full:ProfitLossFromOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-5801">18,490</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 798.75pt; position: var(--position); top: 130.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.51pt;"></span></span><span style="left: 21.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3289" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-5802">11,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 849pt; position: var(--position); top: 130.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.75pt;"></span></span><span style="left: 26.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3289" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-5803">1,877</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 899.25pt; position: var(--position); top: 130.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.15pt;"></span></span><span style="left: 33.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3289" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-5804">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 949.5pt; position: var(--position); top: 130.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.75pt;"></span></span><span style="left: 26.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3289" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5805">4,776</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-5766-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 214.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Net result, after tax and non-controlling interests.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 224.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">ING prepares the Form 20-F in accordance with IFRS-IASB. This information is prepared by reversing the hedge accounting impacts that applied under the EU 'carve-out' version of IAS 39. For the IFRS-EU result, the impact of the carve-out is re-instated as this is the measure at <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 233.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">which management monitors the business.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="position: var(--position); top: 262.66pt; width: 1080pt;"><ix:continuation id="f-5751-2"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 396pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 72.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 15pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 57.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 15pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 587.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 587.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group Total<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 396pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">12 month period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 14.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 602.25pt; position: var(--position); top: 14.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 813pt; position: var(--position); top: 14.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.16pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396pt; position: var(--position); top: 28.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.87pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 456.75pt; position: var(--position); top: 28.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.23pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 514.5pt; position: var(--position); top: 28.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.87pt; position: var(--position); text-decoration: none; white-space: pre;">Total ING Group<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 602.25pt; position: var(--position); top: 28.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.87pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 663pt; position: var(--position); top: 28.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.23pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 720.75pt; position: var(--position); top: 28.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.37pt; position: var(--position); text-decoration: none; white-space: pre;">Total ING Group<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 813pt; position: var(--position); top: 28.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.87pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 873.75pt; position: var(--position); top: 28.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.48pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 921.75pt; position: var(--position); top: 28.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.37pt; position: var(--position); text-decoration: none; white-space: pre;">Total ING Group<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 42.75pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 396pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 55.5pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 396pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Net interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 396pt; position: var(--position); top: 55.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.66pt;"></span></span><span style="left: 30.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3290" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5806">15,809</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 456.75pt; position: var(--position); top: 55.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.94pt;"></span></span><span style="left: 39.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3291" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-5807">166</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 514.5pt; position: var(--position); top: 55.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.66pt;"></span></span><span style="left: 42.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3292" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5808">15,976</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 55.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.66pt;"></span></span><span style="left: 30.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3293" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5809">13,745</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663pt; position: var(--position); top: 55.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42pt;"></span></span><span style="left: 44.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3294" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-5810">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 55.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.16pt;"></span></span><span style="left: 46.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3295" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5811">13,756</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813pt; position: var(--position); top: 55.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.66pt;"></span></span><span style="left: 30.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3296" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5812">13,615</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 873.75pt; position: var(--position); top: 55.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 55.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.16pt;"></span></span><span style="left: 46.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3297" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5813">13,615</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 68.25pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 396pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Net fee and commission income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 396pt; position: var(--position); top: 68.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3290" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5814">3,586</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 456.75pt; position: var(--position); top: 68.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.06pt;"></span></span><span style="left: 49.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3291" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5815">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 514.5pt; position: var(--position); top: 68.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.72pt;"></span></span><span style="left: 47.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3292" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5816">3,595</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 68.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3293" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5817">3,586</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663pt; position: var(--position); top: 68.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.12pt;"></span></span><span style="left: 54.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 68.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.22pt;"></span></span><span style="left: 51.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3295" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5818">3,586</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813pt; position: var(--position); top: 68.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3296" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5819">3,517</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 873.75pt; position: var(--position); top: 68.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 68.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.22pt;"></span></span><span style="left: 51.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3297" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5820">3,517</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 81pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 396pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Total investment and other income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 396pt; position: var(--position); top: 81pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3290" decimals="-6" name="ing:InvestmentAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-5821">3,006</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 456.75pt; position: var(--position); top: 81pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.71pt;"></span></span><span style="left: 46.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3291" decimals="-6" sign="-" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5822">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 514.5pt; position: var(--position); top: 81pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.72pt;"></span></span><span style="left: 47.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3292" decimals="-6" name="ing:InvestmentAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-5823">3,005</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 81pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3293" decimals="-6" name="ing:InvestmentAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-5824">1,215</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663pt; position: var(--position); top: 81pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.06pt;"></span></span><span style="left: 49.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3294" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5825">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 81pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.22pt;"></span></span><span style="left: 51.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3295" decimals="-6" name="ing:InvestmentAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-5826">1,219</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813pt; position: var(--position); top: 81pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3296" decimals="-6" name="ing:InvestmentAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-5827">1,354</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 873.75pt; position: var(--position); top: 81pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.31pt;"></span></span><span style="left: 39.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3298" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5828">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 81pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.22pt;"></span></span><span style="left: 51.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3297" decimals="-6" name="ing:InvestmentAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-5829">1,359</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 93.75pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 396pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 396pt; position: var(--position); top: 93.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.76pt;"></span></span><span style="left: 29.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3290" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5830">22,401</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 456.75pt; position: var(--position); top: 93.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.4pt;"></span></span><span style="left: 39.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3291" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-5831">174</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 514.5pt; position: var(--position); top: 93.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.76pt;"></span></span><span style="left: 41.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3292" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5832">22,575</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 93.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.76pt;"></span></span><span style="left: 29.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3293" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5833">18,546</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663pt; position: var(--position); top: 93.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.64pt;"></span></span><span style="left: 44.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3294" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-5834">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 93.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.26pt;"></span></span><span style="left: 45.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3295" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5835">18,561</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813pt; position: var(--position); top: 93.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.76pt;"></span></span><span style="left: 29.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3296" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5836">18,485</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 873.75pt; position: var(--position); top: 93.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.13pt;"></span></span><span style="left: 39.760000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3298" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-5837">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 93.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.26pt;"></span></span><span style="left: 45.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3297" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5838">18,490</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 119.25pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 396pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Expenditure<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 132pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 396pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Operating expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 396pt; position: var(--position); top: 132pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.66pt;"></span></span><span style="left: 30.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3290" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-5839">11,563</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 456.75pt; position: var(--position); top: 132pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.06pt;"></span></span><span style="left: 49.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3291" decimals="-6" name="ifrs-full:OperatingExpense" scale="6" id="f-5840">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 514.5pt; position: var(--position); top: 132pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.66pt;"></span></span><span style="left: 42.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3292" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-5841">11,564</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 132pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.66pt;"></span></span><span style="left: 30.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3293" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-5842">11,193</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663pt; position: var(--position); top: 132pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.06pt;"></span></span><span style="left: 49.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3294" decimals="-6" name="ifrs-full:OperatingExpense" scale="6" id="f-5843">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 132pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.16pt;"></span></span><span style="left: 46.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3295" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-5844">11,199</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813pt; position: var(--position); top: 132pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.66pt;"></span></span><span style="left: 30.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3296" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-5845">11,195</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 873.75pt; position: var(--position); top: 132pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.96pt;"></span></span><span style="left: 36.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3298" decimals="-6" sign="-" name="ifrs-full:OperatingExpense" scale="6" id="f-5846">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 132pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.16pt;"></span></span><span style="left: 46.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3297" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-5847">11,192</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 144.75pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 396pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Addition to loan loss provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 396pt; position: var(--position); top: 144.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3290" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-5848">520</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 456.75pt; position: var(--position); top: 144.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.12pt;"></span></span><span style="left: 54.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 514.5pt; position: var(--position); top: 144.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.94pt;"></span></span><span style="left: 54.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3292" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-5849">520</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 144.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3293" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-5850">1,861</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663pt; position: var(--position); top: 144.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.12pt;"></span></span><span style="left: 54.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 144.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.22pt;"></span></span><span style="left: 51.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3295" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-5851">1,861</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813pt; position: var(--position); top: 144.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3296" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-5852">516</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 873.75pt; position: var(--position); top: 144.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 144.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.44pt;"></span></span><span style="left: 59.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3297" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-5853">516</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 157.5pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 396pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 396pt; position: var(--position); top: 157.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.76pt;"></span></span><span style="left: 29.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3290" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-5854">12,083</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 456.75pt; position: var(--position); top: 157.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.88pt;"></span></span><span style="left: 49.510000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3291" decimals="-6" name="ifrs-full:ExpenseByNature" scale="6" id="f-5855">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 514.5pt; position: var(--position); top: 157.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.76pt;"></span></span><span style="left: 41.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3292" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-5856">12,084</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 157.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.76pt;"></span></span><span style="left: 29.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3293" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-5857">13,053</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663pt; position: var(--position); top: 157.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.88pt;"></span></span><span style="left: 49.510000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3294" decimals="-6" name="ifrs-full:ExpenseByNature" scale="6" id="f-5858">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 157.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.26pt;"></span></span><span style="left: 45.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3295" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-5859">13,060</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813pt; position: var(--position); top: 157.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.76pt;"></span></span><span style="left: 29.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3296" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-5860">11,711</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 873.75pt; position: var(--position); top: 157.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.65pt;"></span></span><span style="left: 36.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3298" decimals="-6" sign="-" name="ifrs-full:ExpenseByNature" scale="6" id="f-5861">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 157.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.26pt;"></span></span><span style="left: 45.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3297" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-5862">11,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 183pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 396pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 396pt; position: var(--position); top: 183pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.76pt;"></span></span><span style="left: 29.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3290" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-5863">10,318</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 456.75pt; position: var(--position); top: 183pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.4pt;"></span></span><span style="left: 39.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3291" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-5864">173</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 514.5pt; position: var(--position); top: 183pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.76pt;"></span></span><span style="left: 41.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3292" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-5865">10,492</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 183pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32pt;"></span></span><span style="left: 34.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3293" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-5866">5,493</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663pt; position: var(--position); top: 183pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.88pt;"></span></span><span style="left: 49.510000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3294" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-5867">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 183pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.5pt;"></span></span><span style="left: 51.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3295" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-5868">5,502</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813pt; position: var(--position); top: 183pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32pt;"></span></span><span style="left: 34.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3296" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-5869">6,774</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 873.75pt; position: var(--position); top: 183pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.13pt;"></span></span><span style="left: 39.760000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3298" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-5870">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 183pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.5pt;"></span></span><span style="left: 51.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3297" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-5871">6,782</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 195.75pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 396pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 396pt; position: var(--position); top: 195.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3290" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-5872">2,926</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 456.75pt; position: var(--position); top: 195.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42pt;"></span></span><span style="left: 44.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3291" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-5873">44</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 514.5pt; position: var(--position); top: 195.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.72pt;"></span></span><span style="left: 47.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3292" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-5874">2,970</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 195.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3293" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-5875">1,723</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663pt; position: var(--position); top: 195.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.06pt;"></span></span><span style="left: 49.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3294" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-5876">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 195.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.22pt;"></span></span><span style="left: 51.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3295" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-5877">1,725</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813pt; position: var(--position); top: 195.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3296" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-5878">1,876</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 873.75pt; position: var(--position); top: 195.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.31pt;"></span></span><span style="left: 39.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3298" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-5879">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 195.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.22pt;"></span></span><span style="left: 51.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3297" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-5880">1,877</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 208.5pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 396pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-controlling interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 396pt; position: var(--position); top: 208.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3290" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-5881">235</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 456.75pt; position: var(--position); top: 208.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.12pt;"></span></span><span style="left: 54.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 514.5pt; position: var(--position); top: 208.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.94pt;"></span></span><span style="left: 54.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3292" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-5882">235</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 208.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3293" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-5883">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663pt; position: var(--position); top: 208.5pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.12pt;"></span></span><span style="left: 54.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 54.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 208.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.44pt;"></span></span><span style="left: 59.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3295" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-5884">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813pt; position: var(--position); top: 208.5pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.94pt;"></span></span><span style="left: 42.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3296" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-5885">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 873.75pt; position: var(--position); top: 208.5pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 208.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.44pt;"></span></span><span style="left: 59.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3297" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-5886">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 221.25pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 396pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-EU<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 396pt; position: var(--position); top: 221.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32pt;"></span></span><span style="left: 34.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3290" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5887">7,157</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 456.75pt; position: var(--position); top: 221.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.4pt;"></span></span><span style="left: 39.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3291" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-5888">129</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 514.5pt; position: var(--position); top: 221.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44pt;"></span></span><span style="left: 46.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3292" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5889">7,287</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 221.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32pt;"></span></span><span style="left: 34.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3293" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5890">3,667</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663pt; position: var(--position); top: 221.25pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.88pt;"></span></span><span style="left: 49.510000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3294" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-5891">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 221.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.5pt;"></span></span><span style="left: 51.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3295" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5892">3,674</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813pt; position: var(--position); top: 221.25pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32pt;"></span></span><span style="left: 34.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3296" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5893">4,770</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 873.75pt; position: var(--position); top: 221.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.13pt;"></span></span><span style="left: 39.760000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3298" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-5894">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 221.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.5pt;"></span></span><span style="left: 51.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3297" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5895">4,776</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 234pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 396pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustment of the EU 'IAS 39 carve out'<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 396pt; position: var(--position); top: 234pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.37pt;"></span></span><span style="left: 32pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3299" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5896">3,147</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 514.5pt; position: var(--position); top: 234pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.37pt;"></span></span><span style="left: 44pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3300" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5897">3,147</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 234pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3301" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5898">8,451</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 234pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.22pt;"></span></span><span style="left: 51.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3302" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5899">8,451</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813pt; position: var(--position); top: 234pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.72pt;"></span></span><span style="left: 35.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3303" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5900">1,174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 234pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.22pt;"></span></span><span style="left: 51.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3304" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5901">1,174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 246.75pt; width: 396pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 396pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-IASB<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 396pt; position: var(--position); top: 246.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32pt;"></span></span><span style="left: 34.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3305" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5902">4,010</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 456.75pt; position: var(--position); top: 246.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.4pt;"></span></span><span style="left: 39.03pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3306" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-5903">129</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 514.5pt; position: var(--position); top: 246.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44pt;"></span></span><span style="left: 46.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3215" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5904">4,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 246.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.76pt;"></span></span><span style="left: 29.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3307" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5905">12,119</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663pt; position: var(--position); top: 246.75pt; width: 57.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 57.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.88pt;"></span></span><span style="left: 49.510000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3308" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-5906">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 54.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 246.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.26pt;"></span></span><span style="left: 45.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3216" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5907">12,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813pt; position: var(--position); top: 246.75pt; width: 60.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32pt;"></span></span><span style="left: 34.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3309" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5908">5,944</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 873.75pt; position: var(--position); top: 246.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.13pt;"></span></span><span style="left: 39.760000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3310" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-5909">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 246.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.5pt;"></span></span><span style="left: 51.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3217" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-5910">5,951</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -289<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-5750-5" continuedAt="f-5750-6"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfProductsAndServicesExplanatory" id="f-5911" continuedAt="f-5911-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 107.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 47.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 49.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 47.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 40.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 46.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 47.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="22" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Segments by line of business<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 107.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">12 month period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 107.25pt; position: var(--position); top: 14.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 14.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 702.75pt; position: var(--position); top: 14.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 19.5pt;"><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 27pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 107.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 107.25pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.43pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.82pt; position: var(--position); text-decoration: none; white-space: pre;">Nether-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.25pt; position: var(--position); text-decoration: none; white-space: pre;">lands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 144.75pt; position: var(--position); top: 27pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.18pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.94pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 186pt; position: var(--position); top: 27pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.18pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.9pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 230.25pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.43pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.98pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 267.75pt; position: var(--position); top: 27pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.36pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.26pt; position: var(--position); text-decoration: none; white-space: pre;">Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 318.75pt; position: var(--position); top: 27pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.62pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.94pt; position: var(--position); text-decoration: none; white-space: pre;">Line<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 366pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.8pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 403.5pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.43pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.82pt; position: var(--position); text-decoration: none; white-space: pre;">Nether-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.25pt; position: var(--position); text-decoration: none; white-space: pre;">lands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 441pt; position: var(--position); top: 27pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.68pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.44pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 483.75pt; position: var(--position); top: 27pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.43pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.15pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 533.25pt; position: var(--position); top: 27pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.18pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.73pt; position: var(--position); text-decoration: none; white-space: pre;">Other <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 27.64pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1,2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 571.5pt; position: var(--position); top: 27pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.61pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.51pt; position: var(--position); text-decoration: none; white-space: pre;">Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 621.75pt; position: var(--position); top: 27pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.62pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.4pt; position: var(--position); text-decoration: none; white-space: pre;">Line <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 41.33pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 669pt; position: var(--position); top: 27pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.05pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 702.75pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.43pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.82pt; position: var(--position); text-decoration: none; white-space: pre;">Nether-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.25pt; position: var(--position); text-decoration: none; white-space: pre;">lands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 740.25pt; position: var(--position); top: 27pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.43pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.19pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 780.75pt; position: var(--position); top: 27pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.43pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.15pt; position: var(--position); text-decoration: none; white-space: pre;">Germany <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 40.58pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">3<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 827.25pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.43pt; position: var(--position); text-decoration: none; white-space: pre;">Retail <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.98pt; position: var(--position); text-decoration: none; white-space: pre;">Other <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 22.2pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1,2,3<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 864.75pt; position: var(--position); top: 27pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.61pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.51pt; position: var(--position); text-decoration: none; white-space: pre;">Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 915pt; position: var(--position); top: 27pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.62pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.4pt; position: var(--position); text-decoration: none; white-space: pre;">Line <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 41.33pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 962.25pt; position: var(--position); top: 27pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.8pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="22" rowspan="1" style="display: none;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 62.25pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 76.5pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Net interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 107.25pt; position: var(--position); top: 76.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3311" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5912">3,096</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 144.75pt; position: var(--position); top: 76.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3312" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5913">2,063</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 186pt; position: var(--position); top: 76.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.22pt;"></span></span><span style="left: 18.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3313" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5914">2,862</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 76.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3314" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5915">3,437</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 267.75pt; position: var(--position); top: 76.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3315" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5916">4,028</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 318.75pt; position: var(--position); top: 76.5pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3281" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-5917">489</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 76.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.41pt;"></span></span><span style="left: 7.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3316" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5918">15,976</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 76.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3317" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5919">2,888</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 441pt; position: var(--position); top: 76.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.72pt;"></span></span><span style="left: 17.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3318" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5920">1,668</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 483.75pt; position: var(--position); top: 76.5pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.47pt;"></span></span><span style="left: 24.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3319" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5921">1,666</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 533.25pt; position: var(--position); top: 76.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.22pt;"></span></span><span style="left: 12.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3320" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5922">2,725</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 571.5pt; position: var(--position); top: 76.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3321" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5923">4,260</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621.75pt; position: var(--position); top: 76.5pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3282" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-5924">550</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 669pt; position: var(--position); top: 76.5pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.66pt;"></span></span><span style="left: 3.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3322" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5925">13,756</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 702.75pt; position: var(--position); top: 76.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3323" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5926">3,290</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 740.25pt; position: var(--position); top: 76.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.47pt;"></span></span><span style="left: 15.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3324" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5927">1,747</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 37.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 76.5pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.47pt;"></span></span><span style="left: 21.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3325" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5928">1,447</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 827.25pt; position: var(--position); top: 76.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3326" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5929">2,709</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 76.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3327" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5930">4,151</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 915pt; position: var(--position); top: 76.5pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3328" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-5931">270</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 962.25pt; position: var(--position); top: 76.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.41pt;"></span></span><span style="left: 7.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3329" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-5932">13,615</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 90.75pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Net fee and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">commission income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 107.25pt; position: var(--position); top: 90.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3311" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5933">959</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 144.75pt; position: var(--position); top: 90.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3312" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5934">502</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 186pt; position: var(--position); top: 90.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3313" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5935">357</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 230.25pt; position: var(--position); top: 90.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3314" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5936">519</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 267.75pt; position: var(--position); top: 90.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3315" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5937">1,259</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 318.75pt; position: var(--position); top: 90.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.21pt;"></span></span><span style="left: 35.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3281" decimals="-6" sign="-" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5938">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 366pt; position: var(--position); top: 90.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3316" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5939">3,595</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 403.5pt; position: var(--position); top: 90.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3317" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5940">892</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 441pt; position: var(--position); top: 90.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3318" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5941">511</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 483.75pt; position: var(--position); top: 90.75pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.69pt;"></span></span><span style="left: 31.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3319" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5942">437</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 533.25pt; position: var(--position); top: 90.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.44pt;"></span></span><span style="left: 20.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3320" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5943">535</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 571.5pt; position: var(--position); top: 90.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3321" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5944">1,217</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 621.75pt; position: var(--position); top: 90.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.21pt;"></span></span><span style="left: 35.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3282" decimals="-6" sign="-" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5945">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 669pt; position: var(--position); top: 90.75pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.72pt;"></span></span><span style="left: 8.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3322" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5946">3,586</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 702.75pt; position: var(--position); top: 90.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3323" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5947">771</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 740.25pt; position: var(--position); top: 90.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.69pt;"></span></span><span style="left: 22.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3324" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5948">519</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 37.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 780.75pt; position: var(--position); top: 90.75pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.69pt;"></span></span><span style="left: 28.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3325" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5949">497</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 827.25pt; position: var(--position); top: 90.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3326" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5950">530</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 864.75pt; position: var(--position); top: 90.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3327" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5951">1,197</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 915pt; position: var(--position); top: 90.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.56pt;"></span></span><span style="left: 39.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3328" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-5952">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 962.25pt; position: var(--position); top: 90.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3329" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-5953">3,517</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 114.75pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Total investment and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">other income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 107.25pt; position: var(--position); top: 114.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3311" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5954">945</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 144.75pt; position: var(--position); top: 114.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3312" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5955">117</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 186pt; position: var(--position); top: 114.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.15pt;"></span></span><span style="left: 27.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3313" decimals="-6" sign="-" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5956">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 230.25pt; position: var(--position); top: 114.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3314" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5957">277</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 267.75pt; position: var(--position); top: 114.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3315" decimals="-6" name="ing:InvestmentAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-5958">1,771</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 318.75pt; position: var(--position); top: 114.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.15pt;"></span></span><span style="left: 30.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3281" decimals="-6" sign="-" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5959">38</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 366pt; position: var(--position); top: 114.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3316" decimals="-6" name="ing:InvestmentAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-5960">3,005</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 403.5pt; position: var(--position); top: 114.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3317" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5961">417</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 441pt; position: var(--position); top: 114.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3318" decimals="-6" sign="-" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5962">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 483.75pt; position: var(--position); top: 114.75pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.75pt;"></span></span><span style="left: 36.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3319" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5963">69</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 533.25pt; position: var(--position); top: 114.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.44pt;"></span></span><span style="left: 20.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3320" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5964">377</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 571.5pt; position: var(--position); top: 114.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.44pt;"></span></span><span style="left: 32.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3321" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5965">849</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 621.75pt; position: var(--position); top: 114.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.09pt;"></span></span><span style="left: 25.72pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3282" decimals="-6" sign="-" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5966">460</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 669pt; position: var(--position); top: 114.75pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.72pt;"></span></span><span style="left: 8.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3322" decimals="-6" name="ing:InvestmentAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-5967">1,219</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 702.75pt; position: var(--position); top: 114.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3323" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5968">201</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 740.25pt; position: var(--position); top: 114.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.69pt;"></span></span><span style="left: 22.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3324" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5969">209</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 37.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 780.75pt; position: var(--position); top: 114.75pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.75pt;"></span></span><span style="left: 33.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3325" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5970">65</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 827.25pt; position: var(--position); top: 114.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3326" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5971">202</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 864.75pt; position: var(--position); top: 114.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.44pt;"></span></span><span style="left: 32.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3327" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5972">568</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 915pt; position: var(--position); top: 114.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3328" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-5973">114</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 962.25pt; position: var(--position); top: 114.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3329" decimals="-6" name="ing:InvestmentAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-5974">1,359</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 138.75pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 107.25pt; position: var(--position); top: 138.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3311" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5975">5,001</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 144.75pt; position: var(--position); top: 138.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.5pt;"></span></span><span style="left: 15.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3312" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5976">2,683</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 38.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 186pt; position: var(--position); top: 138.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.5pt;"></span></span><span style="left: 18.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3313" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5977">3,152</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 138.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3314" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5978">4,233</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 267.75pt; position: var(--position); top: 138.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.25pt;"></span></span><span style="left: 24.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3315" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5979">7,057</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 318.75pt; position: var(--position); top: 138.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3281" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-5980">450</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 138.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.51pt;"></span></span><span style="left: 6.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3316" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5981">22,575</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 138.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3317" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5982">4,196</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 441pt; position: var(--position); top: 138.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14pt;"></span></span><span style="left: 16.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3318" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5983">2,147</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 483.75pt; position: var(--position); top: 138.75pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.75pt;"></span></span><span style="left: 23.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3319" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5984">2,172</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 46.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 533.25pt; position: var(--position); top: 138.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.5pt;"></span></span><span style="left: 12.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3320" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5985">3,637</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 35.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 571.5pt; position: var(--position); top: 138.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.5pt;"></span></span><span style="left: 24.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3321" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5986">6,325</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 47.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621.75pt; position: var(--position); top: 138.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.14pt;"></span></span><span style="left: 33.77pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3282" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-5987">84</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 669pt; position: var(--position); top: 138.75pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 2.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3322" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5988">18,561</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.08pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 702.75pt; position: var(--position); top: 138.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3323" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5989">4,262</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 740.25pt; position: var(--position); top: 138.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.75pt;"></span></span><span style="left: 14.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3324" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5990">2,475</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 37.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 138.75pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.75pt;"></span></span><span style="left: 20.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3325" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5991">2,009</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 43.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 827.25pt; position: var(--position); top: 138.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3326" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5992">3,441</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 138.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.5pt;"></span></span><span style="left: 24.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3327" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5993">5,916</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 47.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 915pt; position: var(--position); top: 138.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3328" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-5994">387</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 962.25pt; position: var(--position); top: 138.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.51pt;"></span></span><span style="left: 6.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3329" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-5995">18,490</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 168.75pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Expenditure<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 183pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Operating expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 107.25pt; position: var(--position); top: 183pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3311" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-5996">2,135</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 144.75pt; position: var(--position); top: 183pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3312" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-5997">1,852</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 186pt; position: var(--position); top: 183pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.22pt;"></span></span><span style="left: 18.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3313" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-5998">1,243</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 183pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3314" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-5999">2,479</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 267.75pt; position: var(--position); top: 183pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3315" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6000">3,313</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 318.75pt; position: var(--position); top: 183pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3281" decimals="-6" name="ifrs-full:OperatingExpense" scale="6" id="f-6001">542</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 183pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.41pt;"></span></span><span style="left: 7.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3316" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6002">11,564</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 183pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3317" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6003">2,115</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 441pt; position: var(--position); top: 183pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.72pt;"></span></span><span style="left: 17.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3318" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6004">1,786</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 483.75pt; position: var(--position); top: 183pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.47pt;"></span></span><span style="left: 24.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3319" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6005">1,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 533.25pt; position: var(--position); top: 183pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.22pt;"></span></span><span style="left: 12.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3320" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6006">2,509</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 571.5pt; position: var(--position); top: 183pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3321" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6007">3,114</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621.75pt; position: var(--position); top: 183pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3282" decimals="-6" name="ifrs-full:OperatingExpense" scale="6" id="f-6008">535</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 669pt; position: var(--position); top: 183pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.66pt;"></span></span><span style="left: 3.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3322" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6009">11,199</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 702.75pt; position: var(--position); top: 183pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3323" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6010">2,403</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 740.25pt; position: var(--position); top: 183pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.47pt;"></span></span><span style="left: 15.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3324" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6011">1,667</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 37.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 183pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.47pt;"></span></span><span style="left: 21.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3325" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6012">1,174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 827.25pt; position: var(--position); top: 183pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3326" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6013">2,442</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 183pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3327" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6014">2,926</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 915pt; position: var(--position); top: 183pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3328" decimals="-6" name="ifrs-full:OperatingExpense" scale="6" id="f-6015">580</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 962.25pt; position: var(--position); top: 183pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.41pt;"></span></span><span style="left: 7.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3329" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6016">11,192</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 197.25pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Addition to loan loss <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 107.25pt; position: var(--position); top: 197.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3311" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6017">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 144.75pt; position: var(--position); top: 197.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3312" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6018">169</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 186pt; position: var(--position); top: 197.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3313" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6019">119</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 230.25pt; position: var(--position); top: 197.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3314" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6020">313</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 267.75pt; position: var(--position); top: 197.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.9pt;"></span></span><span style="left: 34.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3315" decimals="-6" sign="-" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6021">92</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 318.75pt; position: var(--position); top: 197.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.56pt;"></span></span><span style="left: 39.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3281" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6022">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 366pt; position: var(--position); top: 197.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3316" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6023">520</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 403.5pt; position: var(--position); top: 197.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3317" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6024">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 441pt; position: var(--position); top: 197.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3318" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6025">139</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 483.75pt; position: var(--position); top: 197.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.69pt;"></span></span><span style="left: 31.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3319" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6026">131</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 533.25pt; position: var(--position); top: 197.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.44pt;"></span></span><span style="left: 20.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3320" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6027">302</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 571.5pt; position: var(--position); top: 197.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3321" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-6028">1,220</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 621.75pt; position: var(--position); top: 197.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.56pt;"></span></span><span style="left: 39.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3282" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6029">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 669pt; position: var(--position); top: 197.25pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.72pt;"></span></span><span style="left: 8.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3322" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-6030">1,861</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 702.75pt; position: var(--position); top: 197.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.4pt;"></span></span><span style="left: 21.029999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3323" decimals="-6" sign="-" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6031">76</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 740.25pt; position: var(--position); top: 197.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.69pt;"></span></span><span style="left: 22.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3324" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6032">225</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 37.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 780.75pt; position: var(--position); top: 197.25pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.75pt;"></span></span><span style="left: 33.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3325" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6033">49</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 827.25pt; position: var(--position); top: 197.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3326" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6034">202</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 864.75pt; position: var(--position); top: 197.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.44pt;"></span></span><span style="left: 32.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3327" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6035">117</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 915pt; position: var(--position); top: 197.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.62pt;"></span></span><span style="left: 44.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3328" xsi:nil="true" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" id="f-6036"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 962.25pt; position: var(--position); top: 197.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3329" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6037">516</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 221.25pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 107.25pt; position: var(--position); top: 221.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3311" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6038">2,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 144.75pt; position: var(--position); top: 221.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.5pt;"></span></span><span style="left: 15.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3312" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6039">2,022</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 38.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 186pt; position: var(--position); top: 221.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.5pt;"></span></span><span style="left: 18.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3313" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6040">1,362</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 221.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3314" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6041">2,792</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 267.75pt; position: var(--position); top: 221.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.25pt;"></span></span><span style="left: 24.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3315" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6042">3,222</ix:nonFraction><span style="display: inline-block; 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height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 483.75pt; position: var(--position); top: 221.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.75pt;"></span></span><span style="left: 23.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3319" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6047">1,271</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 46.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 533.25pt; position: var(--position); top: 221.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.5pt;"></span></span><span style="left: 12.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3320" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6048">2,812</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 35.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 571.5pt; position: var(--position); top: 221.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.5pt;"></span></span><span style="left: 24.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3321" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6049">4,334</ix:nonFraction><span style="display: inline-block; 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height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 669pt; position: var(--position); top: 221.25pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 2.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3322" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6051">13,060</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.08pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 702.75pt; position: var(--position); top: 221.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3323" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6052">2,326</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 740.25pt; position: var(--position); top: 221.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.75pt;"></span></span><span style="left: 14.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3324" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6053">1,892</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 37.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 221.25pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.75pt;"></span></span><span style="left: 20.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3325" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6054">1,223</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 43.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 827.25pt; position: var(--position); top: 221.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3326" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6055">2,644</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 221.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.5pt;"></span></span><span style="left: 24.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3327" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6056">3,042</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 47.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 915pt; position: var(--position); top: 221.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3328" decimals="-6" name="ifrs-full:ExpenseByNature" scale="6" id="f-6057">580</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 962.25pt; position: var(--position); top: 221.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.51pt;"></span></span><span style="left: 6.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3329" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6058">11,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 251.25pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 107.25pt; position: var(--position); top: 251.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3311" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6059">2,861</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 144.75pt; position: var(--position); top: 251.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.9pt;"></span></span><span style="left: 22.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3312" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6060">661</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 38.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 186pt; position: var(--position); top: 251.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.5pt;"></span></span><span style="left: 18.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3313" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6061">1,790</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 251.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3314" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6062">1,441</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 267.75pt; position: var(--position); top: 251.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.25pt;"></span></span><span style="left: 24.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3315" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6063">3,836</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 318.75pt; position: var(--position); top: 251.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.66pt;"></span></span><span style="left: 30.29pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3281" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6064">97</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 251.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.51pt;"></span></span><span style="left: 6.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3316" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6065">10,492</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 251.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3317" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6066">2,014</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 441pt; position: var(--position); top: 251.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.4pt;"></span></span><span style="left: 24.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3318" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6067">223</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 483.75pt; position: var(--position); top: 251.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.15pt;"></span></span><span style="left: 30.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3319" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6068">901</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 46.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 533.25pt; position: var(--position); top: 251.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.9pt;"></span></span><span style="left: 19.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3320" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6069">825</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 35.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 571.5pt; position: var(--position); top: 251.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.5pt;"></span></span><span style="left: 24.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3321" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6070">1,991</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 47.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621.75pt; position: var(--position); top: 251.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3282" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6071">453</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 669pt; position: var(--position); top: 251.25pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5pt;"></span></span><span style="left: 7.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3322" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6072">5,502</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 702.75pt; position: var(--position); top: 251.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3323" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6073">1,936</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 740.25pt; position: var(--position); top: 251.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.15pt;"></span></span><span style="left: 21.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3324" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6074">583</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 37.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 251.25pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.15pt;"></span></span><span style="left: 27.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3325" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6075">786</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 43.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 827.25pt; position: var(--position); top: 251.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.15pt;"></span></span><span style="left: 18.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3326" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6076">797</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 251.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.5pt;"></span></span><span style="left: 24.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3327" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6077">2,874</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 47.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 915pt; position: var(--position); top: 251.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3328" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6078">193</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 962.25pt; position: var(--position); top: 251.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3329" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6079">6,782</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 265.5pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 107.25pt; position: var(--position); top: 265.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3311" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6080">740</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 144.75pt; position: var(--position); top: 265.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3312" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6081">182</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 186pt; position: var(--position); top: 265.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3313" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6082">631</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 265.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3314" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6083">359</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 267.75pt; position: var(--position); top: 265.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.19pt;"></span></span><span style="left: 32.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3315" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6084">900</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 318.75pt; position: var(--position); top: 265.5pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.44pt;"></span></span><span style="left: 29.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3281" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6085">158</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 265.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3316" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-6086">2,970</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 265.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3317" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6087">540</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 441pt; position: var(--position); top: 265.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27pt;"></span></span><span style="left: 29.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3318" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6088">72</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 483.75pt; position: var(--position); top: 265.5pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.69pt;"></span></span><span style="left: 31.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3319" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6089">202</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 533.25pt; position: var(--position); top: 265.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.44pt;"></span></span><span style="left: 20.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3320" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6090">254</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 571.5pt; position: var(--position); top: 265.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.44pt;"></span></span><span style="left: 32.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3321" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6091">581</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621.75pt; position: var(--position); top: 265.5pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.5pt;"></span></span><span style="left: 34.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3282" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6092">76</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 669pt; position: var(--position); top: 265.5pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.72pt;"></span></span><span style="left: 8.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3322" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-6093">1,725</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 702.75pt; position: var(--position); top: 265.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3323" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6094">499</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 740.25pt; position: var(--position); top: 265.5pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.69pt;"></span></span><span style="left: 22.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3324" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6095">146</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 37.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 265.5pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.69pt;"></span></span><span style="left: 28.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3325" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6096">252</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 827.25pt; position: var(--position); top: 265.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3326" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6097">209</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 265.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.44pt;"></span></span><span style="left: 32.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3327" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6098">703</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 915pt; position: var(--position); top: 265.5pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.5pt;"></span></span><span style="left: 34.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3328" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6099">68</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 962.25pt; position: var(--position); top: 265.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3329" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-6100">1,877</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 279.75pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-controlling interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 107.25pt; position: var(--position); top: 279.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3311" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6101">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 144.75pt; position: var(--position); top: 279.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.56pt;"></span></span><span style="left: 33.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3312" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6102">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 186pt; position: var(--position); top: 279.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3313" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6103">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 279.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3314" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6104">174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 267.75pt; position: var(--position); top: 279.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.25pt;"></span></span><span style="left: 37.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3315" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6105">61</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 318.75pt; position: var(--position); top: 279.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.56pt;"></span></span><span style="left: 39.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3281" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6106">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 279.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3316" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6107">235</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 279.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3330" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6108">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 441pt; position: var(--position); top: 279.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.06pt;"></span></span><span style="left: 34.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3331" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6109">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 483.75pt; position: var(--position); top: 279.75pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.81pt;"></span></span><span style="left: 41.440000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3319" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6110">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 533.25pt; position: var(--position); top: 279.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.5pt;"></span></span><span style="left: 25.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3320" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6111">47</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 571.5pt; position: var(--position); top: 279.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.5pt;"></span></span><span style="left: 37.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3321" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6112">52</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621.75pt; position: var(--position); top: 279.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.56pt;"></span></span><span style="left: 39.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3332" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6113">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 669pt; position: var(--position); top: 279.75pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.94pt;"></span></span><span style="left: 15.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3322" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6114">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 702.75pt; position: var(--position); top: 279.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3323" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6115">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 740.25pt; position: var(--position); top: 279.75pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.81pt;"></span></span><span style="left: 32.44pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3324" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6116">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 37.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 279.75pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.81pt;"></span></span><span style="left: 38.440000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3325" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6117">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 827.25pt; position: var(--position); top: 279.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3326" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6118">98</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 279.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.5pt;"></span></span><span style="left: 37.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3327" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6119">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 915pt; position: var(--position); top: 279.75pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.56pt;"></span></span><span style="left: 39.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3328" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6120">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 44.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 962.25pt; position: var(--position); top: 279.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3329" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6121">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 294pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-EU<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 107.25pt; position: var(--position); top: 294pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3311" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6122">2,121</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 144.75pt; position: var(--position); top: 294pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.9pt;"></span></span><span style="left: 22.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3312" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6123">479</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 38.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 186pt; position: var(--position); top: 294pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.5pt;"></span></span><span style="left: 18.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3313" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6124">1,159</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 294pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.15pt;"></span></span><span style="left: 18.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3314" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6125">908</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 267.75pt; position: var(--position); top: 294pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.25pt;"></span></span><span style="left: 24.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3315" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6126">2,875</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 318.75pt; position: var(--position); top: 294pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3281" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6127">255</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 294pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3316" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6128">7,287</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 294pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3317" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6129">1,474</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 441pt; position: var(--position); top: 294pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.4pt;"></span></span><span style="left: 24.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3318" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6130">151</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 483.75pt; position: var(--position); top: 294pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.15pt;"></span></span><span style="left: 30.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3319" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6131">696</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 46.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 533.25pt; position: var(--position); top: 294pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.9pt;"></span></span><span style="left: 19.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3320" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6132">525</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 35.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 571.5pt; position: var(--position); top: 294pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.5pt;"></span></span><span style="left: 24.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3321" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6133">1,358</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 47.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621.75pt; position: var(--position); top: 294pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3282" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6134">530</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 669pt; position: var(--position); top: 294pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5pt;"></span></span><span style="left: 7.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3322" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6135">3,674</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 702.75pt; position: var(--position); top: 294pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3323" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6136">1,437</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 740.25pt; position: var(--position); top: 294pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.15pt;"></span></span><span style="left: 21.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3324" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6137">437</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 37.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 294pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.15pt;"></span></span><span style="left: 27.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3325" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6138">529</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 43.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 827.25pt; position: var(--position); top: 294pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.15pt;"></span></span><span style="left: 18.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3326" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6139">490</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 294pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.5pt;"></span></span><span style="left: 24.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3327" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6140">2,144</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 47.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 915pt; position: var(--position); top: 294pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3328" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6141">261</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 962.25pt; position: var(--position); top: 294pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3329" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6142">4,776</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 308.25pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustment of the EU <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">'IAS 39 carve out'<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 267.75pt; position: var(--position); top: 308.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.62pt;"></span></span><span style="left: 22.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3333" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6143">3,147</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 366pt; position: var(--position); top: 308.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.12pt;"></span></span><span style="left: 8.75pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3334" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6144">3,147</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 571.5pt; position: var(--position); top: 308.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3335" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6145">8,451</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 669pt; position: var(--position); top: 308.25pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.72pt;"></span></span><span style="left: 8.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3336" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6146">8,451</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 864.75pt; position: var(--position); top: 308.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3337" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6147">1,174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 962.25pt; position: var(--position); top: 308.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3338" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6148">1,174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 332.25pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-IASB<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 107.25pt; position: var(--position); top: 332.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3339" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6149">2,121</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 144.75pt; position: var(--position); top: 332.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.9pt;"></span></span><span style="left: 22.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3340" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6150">479</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 38.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 186pt; position: var(--position); top: 332.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.5pt;"></span></span><span style="left: 18.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3341" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6151">1,159</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 230.25pt; position: var(--position); top: 332.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.15pt;"></span></span><span style="left: 18.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3342" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6152">908</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 267.75pt; position: var(--position); top: 332.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.17pt;"></span></span><span style="left: 28.8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3343" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6153">272</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 318.75pt; position: var(--position); top: 332.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3344" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6154">255</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366pt; position: var(--position); top: 332.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3345" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6155">4,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 332.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3346" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6156">1,474</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 441pt; position: var(--position); top: 332.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.4pt;"></span></span><span style="left: 24.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3347" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6157">151</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 483.75pt; position: var(--position); top: 332.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.15pt;"></span></span><span style="left: 30.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3348" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6158">696</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 46.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 533.25pt; position: var(--position); top: 332.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.9pt;"></span></span><span style="left: 19.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3349" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6159">525</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 35.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 571.5pt; position: var(--position); top: 332.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.5pt;"></span></span><span style="left: 24.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3350" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6160">9,810</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 47.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 621.75pt; position: var(--position); top: 332.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3351" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6161">530</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 669pt; position: var(--position); top: 332.25pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 2.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3352" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6162">12,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.08pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 702.75pt; position: var(--position); top: 332.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3353" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6163">1,437</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 740.25pt; position: var(--position); top: 332.25pt; width: 40.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 40.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.15pt;"></span></span><span style="left: 21.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3354" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6164">437</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 37.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 332.25pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.15pt;"></span></span><span style="left: 27.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3355" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6165">529</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 43.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 827.25pt; position: var(--position); top: 332.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.15pt;"></span></span><span style="left: 18.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3356" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6166">490</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 332.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.5pt;"></span></span><span style="left: 24.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3357" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6167">3,318</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 47.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 915pt; position: var(--position); top: 332.25pt; width: 47.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 47.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.42pt;"></span></span><span style="left: 25.05pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3358" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6168">261</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 44.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 962.25pt; position: var(--position); top: 332.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3359" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6169">5,951</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-5911-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 416.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1 In 2023, there was a change in the governance over the Asian stakes, which resulted in their transfer from Retail Other to Corporate Line. Historical figures have been adjusted.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 426.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2 In 2022, ING discontinued its retail activities in France and the Philippines.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 435.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3 In 2021, ING exited from the retail banking markets in Austria and the Czech Republic.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -290<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-5750-6"><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfGeographicalAreasExplanatory" id="f-6170" continuedAt="f-6170-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 90.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 34.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 46.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 30.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 34.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 32.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 35.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 34.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 35.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="25" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Geographical split of the segments<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 13.5pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 13.5pt; left: 0pt; position: var(--position); top: 14.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3pt; width: 90.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">12 month period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 13.5pt; left: 90.75pt; position: var(--position); top: 14.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-right: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-left: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 13.5pt; left: 396.75pt; position: var(--position); top: 14.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-right: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-left: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 13.5pt; left: 698.25pt; position: var(--position); top: 14.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 44.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 0pt; position: var(--position); top: 27.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 90.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 90.75pt; position: var(--position); top: 27.75pt; width: 37.5pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 24.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 5.54pt; position: var(--position); text-decoration: none; white-space: pre;">Nether-<span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 14.45pt; position: var(--position); text-decoration: none; white-space: pre;">lands<span style="display: inline-block; height: 6.37pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 128.25pt; position: var(--position); top: 27.75pt; width: 45.75pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 12.26pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.37pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 174pt; position: var(--position); top: 27.75pt; width: 33pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 24.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 14.04pt; position: var(--position); text-decoration: none; white-space: pre;">Ger-<span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 7.91pt; position: var(--position); text-decoration: none; white-space: pre;">many<span style="display: inline-block; height: 6.37pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 207pt; position: var(--position); top: 27.75pt; width: 34.5pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 13.86pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 10.25pt; position: var(--position); text-decoration: none; white-space: pre;">Other <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 24.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 3.77pt; position: var(--position); text-decoration: none; white-space: pre;">Challen<span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 15.61pt; position: var(--position); text-decoration: none; white-space: pre;">gers<span style="display: inline-block; height: 6.37pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 241.5pt; position: var(--position); top: 27.75pt; width: 42pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 24.06pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 11.46pt; position: var(--position); text-decoration: none; white-space: pre;">Growth <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 8.09pt; position: var(--position); text-decoration: none; white-space: pre;">markets<span style="display: inline-block; height: 6.37pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 283.5pt; position: var(--position); top: 27.75pt; width: 46.5pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 3.66pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 4.19pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 13.86pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 13.54pt; position: var(--position); text-decoration: none; white-space: pre;">Banking <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 24.06pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 17.91pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 21.05pt; position: var(--position); text-decoration: none; white-space: pre;">World<span style="display: inline-block; height: 6.37pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 330pt; position: var(--position); top: 27.75pt; width: 30.75pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 6.5pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.37pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 360.75pt; position: var(--position); top: 27.75pt; width: 36pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 14.41pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.37pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 396.75pt; position: var(--position); top: 27.75pt; width: 37.5pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 24.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 5.54pt; position: var(--position); text-decoration: none; white-space: pre;">Nether-<span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 14.45pt; position: var(--position); text-decoration: none; white-space: pre;">lands<span style="display: inline-block; height: 6.37pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 434.25pt; position: var(--position); top: 27.75pt; width: 38.25pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 4.76pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.37pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 472.5pt; position: var(--position); top: 27.75pt; width: 39pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 24.06pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 20.04pt; position: var(--position); text-decoration: none; white-space: pre;">Ger-<span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">many<span style="display: inline-block; height: 6.37pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 511.5pt; position: var(--position); top: 27.75pt; width: 34.5pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 13.86pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 10.25pt; position: var(--position); text-decoration: none; white-space: pre;">Other <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 24.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 3.77pt; position: var(--position); text-decoration: none; white-space: pre;">Challen<span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 6.68pt; position: var(--position); text-decoration: none; white-space: pre;">gers<span style="display: inline-block; height: 6.37pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.525pt; font-style: normal; font-weight: normal; left: 22.94pt; position: var(--position); text-decoration: none; top: -2.2295pt; vertical-align: super; white-space: pre;"> 1,3<span style="display: inline-block; height: 4.1405pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 546pt; position: var(--position); top: 27.75pt; width: 39.75pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 13.86pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 9.21pt; position: var(--position); text-decoration: none; white-space: pre;">Growth <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 24.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 5.84pt; position: var(--position); text-decoration: none; white-space: pre;">markets <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 5.525pt; font-style: normal; font-weight: normal; left: 25.13pt; position: var(--position); text-decoration: none; top: -2.2295pt; vertical-align: super; white-space: pre;">1,2,3<span style="display: inline-block; height: 4.1405pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 585.75pt; position: var(--position); top: 27.75pt; width: 45pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 3.66pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 2.69pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 13.86pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 12.04pt; position: var(--position); text-decoration: none; white-space: pre;">Banking <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 24.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 16.41pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 14.32pt; position: var(--position); text-decoration: none; white-space: pre;">World <span style="display: inline-block; height: 6.37pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.525pt; font-style: normal; font-weight: normal; left: 39.260000000000005pt; position: var(--position); text-decoration: none; top: -2.2295pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.1405pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 630.75pt; position: var(--position); top: 27.75pt; width: 32.25pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 2.77pt; position: var(--position); text-decoration: none; white-space: pre;">Other <span style="display: inline-block; height: 6.37pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.525pt; font-style: normal; font-weight: normal; left: 26.509999999999998pt; position: var(--position); text-decoration: none; top: -2.2295pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.1405pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 663pt; position: var(--position); top: 27.75pt; width: 35.25pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 13.66pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.37pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 698.25pt; position: var(--position); top: 27.75pt; width: 37.5pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 24.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 5.54pt; position: var(--position); text-decoration: none; white-space: pre;">Nether-<span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 14.45pt; position: var(--position); text-decoration: none; white-space: pre;">lands<span style="display: inline-block; height: 6.37pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 735.75pt; position: var(--position); top: 27.75pt; width: 37.5pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 4.01pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.37pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 773.25pt; position: var(--position); top: 27.75pt; width: 37.5pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 24.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 18.54pt; position: var(--position); text-decoration: none; white-space: pre;">Ger-<span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 7.18pt; position: var(--position); text-decoration: none; white-space: pre;">many <span style="display: inline-block; height: 6.37pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.525pt; font-style: normal; font-weight: normal; left: 31.759999999999998pt; position: var(--position); text-decoration: none; top: -2.2295pt; vertical-align: super; white-space: pre;">4<span style="display: inline-block; height: 4.1405pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 810.75pt; position: var(--position); top: 27.75pt; width: 34.5pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 3.66pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 10.25pt; position: var(--position); text-decoration: none; white-space: pre;">Other <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 13.86pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 3.77pt; position: var(--position); text-decoration: none; white-space: pre;">Challen<span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 24.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 15.61pt; position: var(--position); text-decoration: none; white-space: pre;">gers <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 5.525pt; font-style: normal; font-weight: normal; left: 19.88pt; position: var(--position); text-decoration: none; top: -2.2295pt; vertical-align: super; white-space: pre;">1,3,4<span style="display: inline-block; height: 4.1405pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 845.25pt; position: var(--position); top: 27.75pt; width: 39.75pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 13.86pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 9.21pt; position: var(--position); text-decoration: none; white-space: pre;">Growth <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 24.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 5.84pt; position: var(--position); text-decoration: none; white-space: pre;">markets <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 5.525pt; font-style: normal; font-weight: normal; left: 25.13pt; position: var(--position); text-decoration: none; top: -2.2295pt; vertical-align: super; white-space: pre;">1,2,3<span style="display: inline-block; height: 4.1405pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 885pt; position: var(--position); top: 27.75pt; width: 45.75pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 3.66pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 3.44pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 13.86pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 12.79pt; position: var(--position); text-decoration: none; white-space: pre;">Banking <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 24.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 17.16pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of <span style="display: inline-block; height: 6.37pt;"></span></span></div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 15.07pt; position: var(--position); text-decoration: none; white-space: pre;">World <span style="display: inline-block; height: 6.37pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.525pt; font-style: normal; font-weight: normal; left: 40.010000000000005pt; position: var(--position); text-decoration: none; top: -2.2295pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.1405pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 930.75pt; position: var(--position); top: 27.75pt; width: 33.75pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 4.27pt; position: var(--position); text-decoration: none; white-space: pre;">Other <span style="display: inline-block; height: 6.37pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.525pt; font-style: normal; font-weight: normal; left: 28.009999999999998pt; position: var(--position); text-decoration: none; top: -2.2295pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.1405pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 44.25pt; left: 964.5pt; position: var(--position); top: 27.75pt; width: 35.25pt;"><div><div style="line-height: 8.5pt; position: var(--position); top: 34.26pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 8.5pt; font-style: normal; font-weight: normal; left: 13.66pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.37pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 72pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Net interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 90.75pt; position: var(--position); top: 72pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3360" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6171">3,773</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 128.25pt; position: var(--position); top: 72pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.72pt;"></span></span><span style="left: 20.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3361" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6172">2,712</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 174pt; position: var(--position); top: 72pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.97pt;"></span></span><span style="left: 7.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3362" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6173">3,375</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 207pt; position: var(--position); top: 72pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.47pt;"></span></span><span style="left: 9.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3363" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6174">2,121</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 241.5pt; position: var(--position); top: 72pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3364" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6175">1,961</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 283.5pt; position: var(--position); top: 72pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.47pt;"></span></span><span style="left: 21.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3365" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6176">1,548</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 330pt; position: var(--position); top: 72pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.94pt;"></span></span><span style="left: 12.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3366" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-6177">486</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360.75pt; position: var(--position); top: 72pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.91pt;"></span></span><span style="left: 5.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3367" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6178">15,976</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 396.75pt; position: var(--position); top: 72pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3368" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6179">3,782</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 434.25pt; position: var(--position); top: 72pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.22pt;"></span></span><span style="left: 12.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3369" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6180">2,065</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 472.5pt; position: var(--position); top: 72pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.97pt;"></span></span><span style="left: 13.600000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3370" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6181">2,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 511.5pt; position: var(--position); top: 72pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.47pt;"></span></span><span style="left: 9.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3371" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6182">1,842</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 546pt; position: var(--position); top: 72pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.72pt;"></span></span><span style="left: 14.350000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3372" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6183">1,462</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 585.75pt; position: var(--position); top: 72pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3373" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6184">1,933</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 630.75pt; position: var(--position); top: 72pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.44pt;"></span></span><span style="left: 14.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3374" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-6185">546</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 663pt; position: var(--position); top: 72pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.16pt;"></span></span><span style="left: 4.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3375" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6186">13,756</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 698.25pt; position: var(--position); top: 72pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3376" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6187">4,068</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 735.75pt; position: var(--position); top: 72pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3377" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6188">2,109</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 773.25pt; position: var(--position); top: 72pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3378" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6189">1,938</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 810.75pt; position: var(--position); top: 72pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.47pt;"></span></span><span style="left: 9.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3379" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6190">1,679</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 845.25pt; position: var(--position); top: 72pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.72pt;"></span></span><span style="left: 14.350000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3380" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6191">1,528</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 885pt; position: var(--position); top: 72pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.72pt;"></span></span><span style="left: 20.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3381" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6192">2,021</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 930.75pt; position: var(--position); top: 72pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.94pt;"></span></span><span style="left: 15.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3382" decimals="-6" name="ifrs-full:InterestRevenueExpense" scale="6" id="f-6193">271</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 964.5pt; position: var(--position); top: 72pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.16pt;"></span></span><span style="left: 4.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3383" decimals="-6" name="ifrs-full:InterestRevenueExpense" format="ixt:num-dot-decimal" scale="6" id="f-6194">13,615</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 96pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;Net fee and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">commission income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 90.75pt; position: var(--position); top: 96pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3360" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-6195">1,239</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 128.25pt; position: var(--position); top: 96pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3361" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6196">715</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 174pt; position: var(--position); top: 96pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3362" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6197">400</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 207pt; position: var(--position); top: 96pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.69pt;"></span></span><span style="left: 16.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3363" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6198">285</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 241.5pt; position: var(--position); top: 96pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3364" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6199">384</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 283.5pt; position: var(--position); top: 96pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.69pt;"></span></span><span style="left: 28.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3365" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6200">573</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 330pt; position: var(--position); top: 96pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.71pt;"></span></span><span style="left: 19.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3366" decimals="-6" sign="-" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6201">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360.75pt; position: var(--position); top: 96pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.97pt;"></span></span><span style="left: 10.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3367" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-6202">3,595</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 396.75pt; position: var(--position); top: 96pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3368" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-6203">1,171</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 434.25pt; position: var(--position); top: 96pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.44pt;"></span></span><span style="left: 20.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3369" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6204">714</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 472.5pt; position: var(--position); top: 96pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.19pt;"></span></span><span style="left: 20.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3370" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6205">494</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 511.5pt; position: var(--position); top: 96pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.69pt;"></span></span><span style="left: 16.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3371" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6206">290</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 546pt; position: var(--position); top: 96pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3372" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6207">375</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 585.75pt; position: var(--position); top: 96pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3373" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6208">548</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 630.75pt; position: var(--position); top: 96pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.21pt;"></span></span><span style="left: 20.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3374" decimals="-6" sign="-" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6209">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 663pt; position: var(--position); top: 96pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.22pt;"></span></span><span style="left: 9.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3375" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-6210">3,586</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 698.25pt; position: var(--position); top: 96pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3376" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-6211">1,070</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 735.75pt; position: var(--position); top: 96pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3377" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6212">717</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 773.25pt; position: var(--position); top: 96pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3378" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6213">523</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 810.75pt; position: var(--position); top: 96pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.69pt;"></span></span><span style="left: 16.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3379" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6214">300</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 845.25pt; position: var(--position); top: 96pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3380" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6215">351</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 885pt; position: var(--position); top: 96pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3381" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6216">553</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 930.75pt; position: var(--position); top: 96pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.06pt;"></span></span><span style="left: 25.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3382" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" scale="6" id="f-6217">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 964.5pt; position: var(--position); top: 96pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.22pt;"></span></span><span style="left: 9.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3383" decimals="-6" name="ifrs-full:FeeAndCommissionIncomeExpense" format="ixt:num-dot-decimal" scale="6" id="f-6218">3,517</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 120pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Total investment <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">and other income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 90.75pt; position: var(--position); top: 120pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3360" decimals="-6" name="ing:InvestmentAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-6219">1,627</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 128.25pt; position: var(--position); top: 120pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3361" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6220">145</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 174pt; position: var(--position); top: 120pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3362" decimals="-6" sign="-" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6221">81</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 207pt; position: var(--position); top: 120pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.75pt;"></span></span><span style="left: 21.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3363" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6222">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 241.5pt; position: var(--position); top: 120pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3364" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6223">487</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 283.5pt; position: var(--position); top: 120pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.69pt;"></span></span><span style="left: 28.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3365" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6224">829</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 330pt; position: var(--position); top: 120pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.65pt;"></span></span><span style="left: 14.280000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3366" decimals="-6" sign="-" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6225">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360.75pt; position: var(--position); top: 120pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.97pt;"></span></span><span style="left: 10.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3367" decimals="-6" name="ing:InvestmentAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-6226">3,005</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 396.75pt; position: var(--position); top: 120pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3368" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6227">577</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 434.25pt; position: var(--position); top: 120pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.15pt;"></span></span><span style="left: 21.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3369" decimals="-6" sign="-" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6228">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 472.5pt; position: var(--position); top: 120pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.25pt;"></span></span><span style="left: 25.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3370" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6229">94</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 511.5pt; position: var(--position); top: 120pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.69pt;"></span></span><span style="left: 16.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3371" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6230">182</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 546pt; position: var(--position); top: 120pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3372" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6231">386</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 585.75pt; position: var(--position); top: 120pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3373" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6232">449</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 630.75pt; position: var(--position); top: 120pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.09pt;"></span></span><span style="left: 10.719999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3374" decimals="-6" sign="-" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6233">455</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 663pt; position: var(--position); top: 120pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.22pt;"></span></span><span style="left: 9.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3375" decimals="-6" name="ing:InvestmentAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-6234">1,219</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 698.25pt; position: var(--position); top: 120pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3376" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6235">314</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 735.75pt; position: var(--position); top: 120pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3377" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6236">265</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 773.25pt; position: var(--position); top: 120pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3378" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6237">118</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 810.75pt; position: var(--position); top: 120pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.75pt;"></span></span><span style="left: 21.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3379" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6238">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 845.25pt; position: var(--position); top: 120pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3380" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6239">289</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 885pt; position: var(--position); top: 120pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3381" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6240">196</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 930.75pt; position: var(--position); top: 120pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.94pt;"></span></span><span style="left: 15.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3382" decimals="-6" name="ing:InvestmentAndOtherIncome" scale="6" id="f-6241">113</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 964.5pt; position: var(--position); top: 120pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.22pt;"></span></span><span style="left: 9.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3383" decimals="-6" name="ing:InvestmentAndOtherIncome" format="ixt:num-dot-decimal" scale="6" id="f-6242">1,359</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 144pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 90.75pt; position: var(--position); top: 144pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3360" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6243">6,639</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 128.25pt; position: var(--position); top: 144pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17pt;"></span></span><span style="left: 19.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3361" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6244">3,573</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174pt; position: var(--position); top: 144pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.25pt;"></span></span><span style="left: 6.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3362" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6245">3,694</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207pt; position: var(--position); top: 144pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.75pt;"></span></span><span style="left: 8.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3363" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6246">2,427</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 144pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.25pt;"></span></span><span style="left: 15.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3364" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6247">2,833</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 283.5pt; position: var(--position); top: 144pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.75pt;"></span></span><span style="left: 20.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3365" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6248">2,950</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 43.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330pt; position: var(--position); top: 144pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.4pt;"></span></span><span style="left: 12.030000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3366" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6249">460</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 27.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 360.75pt; position: var(--position); top: 144pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.01pt;"></span></span><span style="left: 4.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3367" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6250">22,575</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 144pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3368" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6251">5,531</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 144pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.5pt;"></span></span><span style="left: 12.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3369" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6252">2,765</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 35.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 472.5pt; position: var(--position); top: 144pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.25pt;"></span></span><span style="left: 12.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3370" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6253">2,714</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 511.5pt; position: var(--position); top: 144pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.75pt;"></span></span><span style="left: 8.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3371" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6254">2,314</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 144pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11pt;"></span></span><span style="left: 13.629999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3372" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6255">2,223</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 585.75pt; position: var(--position); top: 144pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3373" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6256">2,930</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630.75pt; position: var(--position); top: 144pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.14pt;"></span></span><span style="left: 18.77pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3374" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6257">84</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 29.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 663pt; position: var(--position); top: 144pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 1.26pt;"></span></span><span style="left: 3.8899999999999997pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3375" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6258">18,561</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 698.25pt; position: var(--position); top: 144pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3376" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6259">5,452</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 735.75pt; position: var(--position); top: 144pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3377" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6260">3,092</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 773.25pt; position: var(--position); top: 144pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3378" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6261">2,578</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 144pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.75pt;"></span></span><span style="left: 8.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3379" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6262">2,043</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 845.25pt; position: var(--position); top: 144pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11pt;"></span></span><span style="left: 13.629999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3380" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6263">2,168</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 144pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17pt;"></span></span><span style="left: 19.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3381" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6264">2,770</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 930.75pt; position: var(--position); top: 144pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.4pt;"></span></span><span style="left: 15.030000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3382" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6265">387</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 964.5pt; position: var(--position); top: 144pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 1.26pt;"></span></span><span style="left: 3.8899999999999997pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3383" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6266">18,490</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 170.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Expenditure<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 183pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Operating <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 90.75pt; position: var(--position); top: 183pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3360" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6267">3,065</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 128.25pt; position: var(--position); top: 183pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.72pt;"></span></span><span style="left: 20.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3361" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6268">2,195</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 174pt; position: var(--position); top: 183pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.97pt;"></span></span><span style="left: 7.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3362" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6269">1,437</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 207pt; position: var(--position); top: 183pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.47pt;"></span></span><span style="left: 9.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3363" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6270">1,320</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 241.5pt; position: var(--position); top: 183pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.97pt;"></span></span><span style="left: 16.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3364" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6271">1,495</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 283.5pt; position: var(--position); top: 183pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.47pt;"></span></span><span style="left: 21.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3365" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6272">1,509</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 330pt; position: var(--position); top: 183pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.94pt;"></span></span><span style="left: 12.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3366" decimals="-6" name="ifrs-full:OperatingExpense" scale="6" id="f-6273">544</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360.75pt; position: var(--position); top: 183pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.91pt;"></span></span><span style="left: 5.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3367" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6274">11,564</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 396.75pt; position: var(--position); top: 183pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3368" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6275">3,001</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 434.25pt; position: var(--position); top: 183pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.22pt;"></span></span><span style="left: 12.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3369" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6276">2,120</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 472.5pt; position: var(--position); top: 183pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.97pt;"></span></span><span style="left: 13.600000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3370" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6277">1,318</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 511.5pt; position: var(--position); top: 183pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.47pt;"></span></span><span style="left: 9.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3371" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6278">1,380</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 546pt; position: var(--position); top: 183pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.72pt;"></span></span><span style="left: 14.350000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3372" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6279">1,426</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 585.75pt; position: var(--position); top: 183pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3373" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6280">1,418</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 630.75pt; position: var(--position); top: 183pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.44pt;"></span></span><span style="left: 14.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3374" decimals="-6" name="ifrs-full:OperatingExpense" scale="6" id="f-6281">536</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 663pt; position: var(--position); top: 183pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.16pt;"></span></span><span style="left: 4.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3375" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6282">11,199</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 698.25pt; position: var(--position); top: 183pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3376" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6283">3,279</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 735.75pt; position: var(--position); top: 183pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3377" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6284">1,960</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 773.25pt; position: var(--position); top: 183pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3378" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6285">1,339</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 810.75pt; position: var(--position); top: 183pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.47pt;"></span></span><span style="left: 9.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3379" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6286">1,449</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 845.25pt; position: var(--position); top: 183pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.72pt;"></span></span><span style="left: 14.350000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3380" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6287">1,254</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 885pt; position: var(--position); top: 183pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.72pt;"></span></span><span style="left: 20.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3381" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6288">1,332</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 930.75pt; position: var(--position); top: 183pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.94pt;"></span></span><span style="left: 15.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3382" decimals="-6" name="ifrs-full:OperatingExpense" scale="6" id="f-6289">580</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 964.5pt; position: var(--position); top: 183pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.16pt;"></span></span><span style="left: 4.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3383" decimals="-6" name="ifrs-full:OperatingExpense" format="ixt:num-dot-decimal" scale="6" id="f-6290">11,192</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 207pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Addition to loan <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">loss provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 90.75pt; position: var(--position); top: 207pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.34pt;"></span></span><span style="left: 15.969999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3360" decimals="-6" sign="-" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6291">111</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 128.25pt; position: var(--position); top: 207pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3361" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6292">139</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 174pt; position: var(--position); top: 207pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3362" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6293">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 207pt; position: var(--position); top: 207pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.69pt;"></span></span><span style="left: 16.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3363" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6294">166</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 241.5pt; position: var(--position); top: 207pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3364" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6295">189</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 283.5pt; position: var(--position); top: 207pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.75pt;"></span></span><span style="left: 33.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3365" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6296">96</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 330pt; position: var(--position); top: 207pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.06pt;"></span></span><span style="left: 22.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3366" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6297">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360.75pt; position: var(--position); top: 207pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.19pt;"></span></span><span style="left: 17.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3367" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6298">520</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 396.75pt; position: var(--position); top: 207pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3368" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6299">181</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 434.25pt; position: var(--position); top: 207pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.44pt;"></span></span><span style="left: 20.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3369" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6300">230</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 472.5pt; position: var(--position); top: 207pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.19pt;"></span></span><span style="left: 20.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3370" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6301">460</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 511.5pt; position: var(--position); top: 207pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.69pt;"></span></span><span style="left: 16.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3371" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6302">140</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 546pt; position: var(--position); top: 207pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3372" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6303">230</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 585.75pt; position: var(--position); top: 207pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3373" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6304">618</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 630.75pt; position: var(--position); top: 207pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3374" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6305">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 663pt; position: var(--position); top: 207pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.22pt;"></span></span><span style="left: 9.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3375" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-6306">1,861</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 698.25pt; position: var(--position); top: 207pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3376" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6307">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 735.75pt; position: var(--position); top: 207pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3377" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6308">184</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 773.25pt; position: var(--position); top: 207pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3378" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6309">118</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 810.75pt; position: var(--position); top: 207pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.75pt;"></span></span><span style="left: 21.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3379" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6310">84</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 845.25pt; position: var(--position); top: 207pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3380" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6311">110</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 885pt; position: var(--position); top: 207pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.71pt;"></span></span><span style="left: 34.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3381" decimals="-6" sign="-" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6312">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 930.75pt; position: var(--position); top: 207pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.12pt;"></span></span><span style="left: 30.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3382" xsi:nil="true" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" id="f-6313"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 964.5pt; position: var(--position); top: 207pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.44pt;"></span></span><span style="left: 17.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3383" decimals="-6" name="ing:AllowanceForCreditLossesRecognisedInProfitLoss" scale="6" id="f-6314">516</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 231pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 90.75pt; position: var(--position); top: 231pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3360" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6315">2,954</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 128.25pt; position: var(--position); top: 231pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17pt;"></span></span><span style="left: 19.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3361" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6316">2,334</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174pt; position: var(--position); top: 231pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.25pt;"></span></span><span style="left: 6.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3362" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6317">1,472</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207pt; position: var(--position); top: 231pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.75pt;"></span></span><span style="left: 8.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3363" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6318">1,486</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 231pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.25pt;"></span></span><span style="left: 15.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3364" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6319">1,683</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 283.5pt; position: var(--position); top: 231pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.75pt;"></span></span><span style="left: 20.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3365" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6320">1,605</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 43.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330pt; position: var(--position); top: 231pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.4pt;"></span></span><span style="left: 12.030000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3366" decimals="-6" name="ifrs-full:ExpenseByNature" scale="6" id="f-6321">549</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 27.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 360.75pt; position: var(--position); top: 231pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.01pt;"></span></span><span style="left: 4.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3367" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6322">12,084</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 231pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3368" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6323">3,182</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 231pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.5pt;"></span></span><span style="left: 12.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3369" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6324">2,350</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 35.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 472.5pt; position: var(--position); top: 231pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.25pt;"></span></span><span style="left: 12.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3370" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6325">1,778</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 511.5pt; position: var(--position); top: 231pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.75pt;"></span></span><span style="left: 8.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3371" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6326">1,519</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 231pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11pt;"></span></span><span style="left: 13.629999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3372" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6327">1,657</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 585.75pt; position: var(--position); top: 231pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3373" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6328">2,036</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630.75pt; position: var(--position); top: 231pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.9pt;"></span></span><span style="left: 13.530000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3374" decimals="-6" name="ifrs-full:ExpenseByNature" scale="6" id="f-6329">538</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 29.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 663pt; position: var(--position); top: 231pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 1.26pt;"></span></span><span style="left: 3.8899999999999997pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3375" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6330">13,060</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 698.25pt; position: var(--position); top: 231pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3376" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6331">3,307</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 735.75pt; position: var(--position); top: 231pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3377" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6332">2,143</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 773.25pt; position: var(--position); top: 231pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3378" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6333">1,457</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 231pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.75pt;"></span></span><span style="left: 8.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3379" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6334">1,533</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 845.25pt; position: var(--position); top: 231pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11pt;"></span></span><span style="left: 13.629999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3380" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6335">1,363</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 231pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17pt;"></span></span><span style="left: 19.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3381" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6336">1,324</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 930.75pt; position: var(--position); top: 231pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.4pt;"></span></span><span style="left: 15.030000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3382" decimals="-6" name="ifrs-full:ExpenseByNature" scale="6" id="f-6337">580</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 964.5pt; position: var(--position); top: 231pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 1.26pt;"></span></span><span style="left: 3.8899999999999997pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3383" decimals="-6" name="ifrs-full:ExpenseByNature" format="ixt:num-dot-decimal" scale="6" id="f-6338">11,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 256.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 90.75pt; position: var(--position); top: 256.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3360" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6339">3,685</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 128.25pt; position: var(--position); top: 256.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17pt;"></span></span><span style="left: 19.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3361" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6340">1,239</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 174pt; position: var(--position); top: 256.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.25pt;"></span></span><span style="left: 6.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3362" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6341">2,222</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 207pt; position: var(--position); top: 256.5pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.15pt;"></span></span><span style="left: 15.780000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3363" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6342">941</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 241.5pt; position: var(--position); top: 256.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.25pt;"></span></span><span style="left: 15.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3364" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6343">1,149</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 283.5pt; position: var(--position); top: 256.5pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.75pt;"></span></span><span style="left: 20.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3365" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6344">1,345</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 43.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 330pt; position: var(--position); top: 256.5pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.16pt;"></span></span><span style="left: 13.79pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3366" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6345">89</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 27.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360.75pt; position: var(--position); top: 256.5pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.01pt;"></span></span><span style="left: 4.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3367" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6346">10,492</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 396.75pt; position: var(--position); top: 256.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3368" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6347">2,349</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 434.25pt; position: var(--position); top: 256.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.9pt;"></span></span><span style="left: 19.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3369" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6348">415</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 35.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 472.5pt; position: var(--position); top: 256.5pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.65pt;"></span></span><span style="left: 20.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3370" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6349">936</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 511.5pt; position: var(--position); top: 256.5pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.15pt;"></span></span><span style="left: 15.780000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3371" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6350">795</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 546pt; position: var(--position); top: 256.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.4pt;"></span></span><span style="left: 21.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3372" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6351">567</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 585.75pt; position: var(--position); top: 256.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3373" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6352">894</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 630.75pt; position: var(--position); top: 256.5pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.42pt;"></span></span><span style="left: 10.05pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3374" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6353">454</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 29.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 663pt; position: var(--position); top: 256.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.5pt;"></span></span><span style="left: 9.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3375" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6354">5,502</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 698.25pt; position: var(--position); top: 256.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3376" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6355">2,145</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 735.75pt; position: var(--position); top: 256.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.15pt;"></span></span><span style="left: 18.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3377" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6356">948</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 773.25pt; position: var(--position); top: 256.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3378" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6357">1,121</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 810.75pt; position: var(--position); top: 256.5pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.15pt;"></span></span><span style="left: 15.780000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3379" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6358">511</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 845.25pt; position: var(--position); top: 256.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.4pt;"></span></span><span style="left: 21.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3380" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6359">804</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 885pt; position: var(--position); top: 256.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17pt;"></span></span><span style="left: 19.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3381" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6360">1,446</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 930.75pt; position: var(--position); top: 256.5pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.92pt;"></span></span><span style="left: 11.55pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3382" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6361">193</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 964.5pt; position: var(--position); top: 256.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.5pt;"></span></span><span style="left: 9.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3383" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6362">6,782</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 280.5pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Retail Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 90.75pt; position: var(--position); top: 280.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3384" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6363">2,861</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 128.25pt; position: var(--position); top: 280.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3385" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6364">661</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174pt; position: var(--position); top: 280.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.97pt;"></span></span><span style="left: 7.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3386" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6365">1,790</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207pt; position: var(--position); top: 280.5pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.69pt;"></span></span><span style="left: 16.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3387" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6366">649</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 280.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3388" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6367">792</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 283.5pt; position: var(--position); top: 280.5pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.87pt;"></span></span><span style="left: 43.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330pt; position: var(--position); top: 280.5pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.12pt;"></span></span><span style="left: 27.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 360.75pt; position: var(--position); top: 280.5pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.97pt;"></span></span><span style="left: 10.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3389" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6368">6,753</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 280.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3390" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6369">2,014</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 280.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.44pt;"></span></span><span style="left: 20.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3391" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6370">223</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 472.5pt; position: var(--position); top: 280.5pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.19pt;"></span></span><span style="left: 20.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3392" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6371">901</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 511.5pt; position: var(--position); top: 280.5pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.69pt;"></span></span><span style="left: 16.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3393" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6372">547</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 280.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3394" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6373">278</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 585.75pt; position: var(--position); top: 280.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630.75pt; position: var(--position); top: 280.5pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.62pt;"></span></span><span style="left: 29.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 663pt; position: var(--position); top: 280.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.22pt;"></span></span><span style="left: 9.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3395" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6374">3,964</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 698.25pt; position: var(--position); top: 280.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3396" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6375">1,936</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 735.75pt; position: var(--position); top: 280.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3397" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6376">583</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 773.25pt; position: var(--position); top: 280.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3398" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6377">786</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 280.5pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.69pt;"></span></span><span style="left: 16.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3399" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6378">206</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 845.25pt; position: var(--position); top: 280.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3400" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6379">590</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 280.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.12pt;"></span></span><span style="left: 42.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 930.75pt; position: var(--position); top: 280.5pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.12pt;"></span></span><span style="left: 30.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 964.5pt; position: var(--position); top: 280.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.22pt;"></span></span><span style="left: 9.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3401" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6380">4,101</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 294.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 90.75pt; position: var(--position); top: 294.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3402" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6381">824</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 128.25pt; position: var(--position); top: 294.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3403" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6382">577</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174pt; position: var(--position); top: 294.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3404" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6383">432</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207pt; position: var(--position); top: 294.75pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.69pt;"></span></span><span style="left: 16.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3405" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6384">292</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 294.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3406" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6385">357</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 283.5pt; position: var(--position); top: 294.75pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.47pt;"></span></span><span style="left: 21.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3407" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6386">1,345</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330pt; position: var(--position); top: 294.75pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.06pt;"></span></span><span style="left: 22.689999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3408" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6387">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 360.75pt; position: var(--position); top: 294.75pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.97pt;"></span></span><span style="left: 10.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3409" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6388">3,836</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 294.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3410" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6389">335</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 294.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.44pt;"></span></span><span style="left: 20.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3411" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6390">192</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 472.5pt; position: var(--position); top: 294.75pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.25pt;"></span></span><span style="left: 25.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3412" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6391">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 511.5pt; position: var(--position); top: 294.75pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.69pt;"></span></span><span style="left: 16.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3413" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6392">248</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 294.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3414" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6393">288</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 585.75pt; position: var(--position); top: 294.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3415" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6394">894</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630.75pt; position: var(--position); top: 294.75pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.62pt;"></span></span><span style="left: 29.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 663pt; position: var(--position); top: 294.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.22pt;"></span></span><span style="left: 9.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3416" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6395">1,991</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 698.25pt; position: var(--position); top: 294.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3417" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6396">209</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 735.75pt; position: var(--position); top: 294.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3418" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6397">365</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 773.25pt; position: var(--position); top: 294.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3419" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6398">336</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 294.75pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.69pt;"></span></span><span style="left: 16.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3420" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6399">304</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 845.25pt; position: var(--position); top: 294.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3421" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6400">214</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 294.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.72pt;"></span></span><span style="left: 20.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3422" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6401">1,446</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 930.75pt; position: var(--position); top: 294.75pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.12pt;"></span></span><span style="left: 30.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 964.5pt; position: var(--position); top: 294.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.22pt;"></span></span><span style="left: 9.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3423" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6402">2,874</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 309pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Corporate Line<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 90.75pt; position: var(--position); top: 309pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.87pt;"></span></span><span style="left: 34.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 128.25pt; position: var(--position); top: 309pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.12pt;"></span></span><span style="left: 42.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174pt; position: var(--position); top: 309pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.37pt;"></span></span><span style="left: 30pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207pt; position: var(--position); top: 309pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.87pt;"></span></span><span style="left: 31.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 309pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.37pt;"></span></span><span style="left: 39pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 283.5pt; position: var(--position); top: 309pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.87pt;"></span></span><span style="left: 43.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330pt; position: var(--position); top: 309pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.65pt;"></span></span><span style="left: 14.280000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3424" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6403">97</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 360.75pt; position: var(--position); top: 309pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.9pt;"></span></span><span style="left: 19.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3425" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6404">97</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 309pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.87pt;"></span></span><span style="left: 34.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 309pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.62pt;"></span></span><span style="left: 35.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 472.5pt; position: var(--position); top: 309pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.37pt;"></span></span><span style="left: 36pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 511.5pt; position: var(--position); top: 309pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.87pt;"></span></span><span style="left: 31.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 309pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.12pt;"></span></span><span style="left: 36.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 585.75pt; position: var(--position); top: 309pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630.75pt; position: var(--position); top: 309pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.09pt;"></span></span><span style="left: 10.719999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3426" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6405">453</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 663pt; position: var(--position); top: 309pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.09pt;"></span></span><span style="left: 13.719999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3427" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6406">453</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 698.25pt; position: var(--position); top: 309pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.87pt;"></span></span><span style="left: 34.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 735.75pt; position: var(--position); top: 309pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.87pt;"></span></span><span style="left: 34.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 773.25pt; position: var(--position); top: 309pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.87pt;"></span></span><span style="left: 34.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 309pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.87pt;"></span></span><span style="left: 31.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 845.25pt; position: var(--position); top: 309pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.12pt;"></span></span><span style="left: 36.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 309pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.12pt;"></span></span><span style="left: 42.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 930.75pt; position: var(--position); top: 309pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.59pt;"></span></span><span style="left: 12.219999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3428" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6407">193</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 964.5pt; position: var(--position); top: 309pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.09pt;"></span></span><span style="left: 13.719999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3429" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6408">193</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 323.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 90.75pt; position: var(--position); top: 323.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3360" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6409">3,685</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 128.25pt; position: var(--position); top: 323.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17pt;"></span></span><span style="left: 19.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3361" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6410">1,239</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 174pt; position: var(--position); top: 323.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.25pt;"></span></span><span style="left: 6.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3362" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6411">2,222</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 207pt; position: var(--position); top: 323.25pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.15pt;"></span></span><span style="left: 15.780000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3363" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6412">941</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 241.5pt; position: var(--position); top: 323.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.25pt;"></span></span><span style="left: 15.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3364" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6413">1,149</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 283.5pt; position: var(--position); top: 323.25pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.75pt;"></span></span><span style="left: 20.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3365" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6414">1,345</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 43.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 330pt; position: var(--position); top: 323.25pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.16pt;"></span></span><span style="left: 13.79pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3366" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6415">89</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 27.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360.75pt; position: var(--position); top: 323.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.01pt;"></span></span><span style="left: 4.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3367" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6416">10,492</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 396.75pt; position: var(--position); top: 323.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3368" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6417">2,349</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 434.25pt; position: var(--position); top: 323.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.9pt;"></span></span><span style="left: 19.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3369" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6418">415</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 35.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 472.5pt; position: var(--position); top: 323.25pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.65pt;"></span></span><span style="left: 20.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3370" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6419">936</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 511.5pt; position: var(--position); top: 323.25pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.15pt;"></span></span><span style="left: 15.780000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3371" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6420">795</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 546pt; position: var(--position); top: 323.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.4pt;"></span></span><span style="left: 21.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3372" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6421">567</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 585.75pt; position: var(--position); top: 323.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3373" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6422">894</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 630.75pt; position: var(--position); top: 323.25pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.42pt;"></span></span><span style="left: 10.05pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3374" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6423">454</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 29.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 663pt; position: var(--position); top: 323.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.5pt;"></span></span><span style="left: 9.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3375" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6424">5,502</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 698.25pt; position: var(--position); top: 323.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3376" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6425">2,145</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 735.75pt; position: var(--position); top: 323.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.15pt;"></span></span><span style="left: 18.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3377" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6426">948</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 773.25pt; position: var(--position); top: 323.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3378" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6427">1,121</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 810.75pt; position: var(--position); top: 323.25pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.15pt;"></span></span><span style="left: 15.780000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3379" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6428">511</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 845.25pt; position: var(--position); top: 323.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.4pt;"></span></span><span style="left: 21.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3380" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6429">804</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 885pt; position: var(--position); top: 323.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17pt;"></span></span><span style="left: 19.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3381" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6430">1,446</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 930.75pt; position: var(--position); top: 323.25pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.92pt;"></span></span><span style="left: 11.55pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3382" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6431">193</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 964.5pt; position: var(--position); top: 323.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.5pt;"></span></span><span style="left: 9.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3383" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6432">6,782</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 347.25pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 90.75pt; position: var(--position); top: 347.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3360" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6433">909</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 128.25pt; position: var(--position); top: 347.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3361" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6434">349</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 174pt; position: var(--position); top: 347.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3362" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6435">723</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 347.25pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.69pt;"></span></span><span style="left: 16.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3363" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6436">282</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 241.5pt; position: var(--position); top: 347.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3364" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6437">225</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 283.5pt; position: var(--position); top: 347.25pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.69pt;"></span></span><span style="left: 28.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3365" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6438">335</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 330pt; position: var(--position); top: 347.25pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.94pt;"></span></span><span style="left: 12.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3366" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6439">148</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 347.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.97pt;"></span></span><span style="left: 10.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3367" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-6440">2,970</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 396.75pt; position: var(--position); top: 347.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3368" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6441">658</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 434.25pt; position: var(--position); top: 347.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.44pt;"></span></span><span style="left: 20.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3369" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6442">114</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 472.5pt; position: var(--position); top: 347.25pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.19pt;"></span></span><span style="left: 20.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3370" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6443">297</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 511.5pt; position: var(--position); top: 347.25pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.69pt;"></span></span><span style="left: 16.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3371" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6444">258</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 546pt; position: var(--position); top: 347.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3372" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6445">153</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 585.75pt; position: var(--position); top: 347.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3373" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6446">186</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630.75pt; position: var(--position); top: 347.25pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3374" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6447">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663pt; position: var(--position); top: 347.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.22pt;"></span></span><span style="left: 9.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3375" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-6448">1,725</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 698.25pt; position: var(--position); top: 347.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3376" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6449">556</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 735.75pt; position: var(--position); top: 347.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3377" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6450">240</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 773.25pt; position: var(--position); top: 347.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3378" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6451">358</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 810.75pt; position: var(--position); top: 347.25pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.69pt;"></span></span><span style="left: 16.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3379" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6452">156</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 347.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3380" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6453">174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 885pt; position: var(--position); top: 347.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.94pt;"></span></span><span style="left: 27.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3381" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6454">326</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 930.75pt; position: var(--position); top: 347.25pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18pt;"></span></span><span style="left: 20.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3382" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6455">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 964.5pt; position: var(--position); top: 347.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.22pt;"></span></span><span style="left: 9.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3383" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-6456">1,877</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 360pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-controlling <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">interests<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 90.75pt; position: var(--position); top: 360pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.87pt;"></span></span><span style="left: 34.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 128.25pt; position: var(--position); top: 360pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.12pt;"></span></span><span style="left: 42.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 174pt; position: var(--position); top: 360pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.37pt;"></span></span><span style="left: 30pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 207pt; position: var(--position); top: 360pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.87pt;"></span></span><span style="left: 31.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 241.5pt; position: var(--position); top: 360pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3364" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6457">234</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 283.5pt; position: var(--position); top: 360pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.87pt;"></span></span><span style="left: 43.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 330pt; position: var(--position); top: 360pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.12pt;"></span></span><span style="left: 27.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360.75pt; position: var(--position); top: 360pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.19pt;"></span></span><span style="left: 17.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3367" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6458">235</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 396.75pt; position: var(--position); top: 360pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.87pt;"></span></span><span style="left: 34.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 434.25pt; position: var(--position); top: 360pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.62pt;"></span></span><span style="left: 35.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 472.5pt; position: var(--position); top: 360pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.31pt;"></span></span><span style="left: 30.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3370" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6459">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 511.5pt; position: var(--position); top: 360pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.87pt;"></span></span><span style="left: 31.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 546pt; position: var(--position); top: 360pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24pt;"></span></span><span style="left: 26.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3372" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6460">98</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 585.75pt; position: var(--position); top: 360pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 630.75pt; position: var(--position); top: 360pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3374" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6461">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 663pt; position: var(--position); top: 360pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.44pt;"></span></span><span style="left: 17.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3375" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6462">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 698.25pt; position: var(--position); top: 360pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.87pt;"></span></span><span style="left: 34.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 735.75pt; position: var(--position); top: 360pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.87pt;"></span></span><span style="left: 34.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 773.25pt; position: var(--position); top: 360pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3378" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6463">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 810.75pt; position: var(--position); top: 360pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.87pt;"></span></span><span style="left: 31.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 845.25pt; position: var(--position); top: 360pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3380" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6464">124</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 885pt; position: var(--position); top: 360pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.12pt;"></span></span><span style="left: 42.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 930.75pt; position: var(--position); top: 360pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.12pt;"></span></span><span style="left: 30.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 964.5pt; position: var(--position); top: 360pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.44pt;"></span></span><span style="left: 17.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3383" decimals="-6" name="ifrs-full:ProfitLossAttributableToNoncontrollingInterests" scale="6" id="f-6465">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 384pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-EU<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 90.75pt; position: var(--position); top: 384pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3360" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6466">2,776</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 128.25pt; position: var(--position); top: 384pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.4pt;"></span></span><span style="left: 27.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3361" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6467">889</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 174pt; position: var(--position); top: 384pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.25pt;"></span></span><span style="left: 6.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3362" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6468">1,499</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 207pt; position: var(--position); top: 384pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.15pt;"></span></span><span style="left: 15.780000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3363" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6469">659</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 241.5pt; position: var(--position); top: 384pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.65pt;"></span></span><span style="left: 23.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3364" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6470">690</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 283.5pt; position: var(--position); top: 384pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.75pt;"></span></span><span style="left: 20.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3365" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6471">1,011</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 43.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 330pt; position: var(--position); top: 384pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.92pt;"></span></span><span style="left: 8.55pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3366" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6472">237</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 27.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 384pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.25pt;"></span></span><span style="left: 9.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3367" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6473">7,287</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 396.75pt; position: var(--position); top: 384pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3368" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6474">1,691</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 434.25pt; position: var(--position); top: 384pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.9pt;"></span></span><span style="left: 19.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3369" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6475">301</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 35.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 472.5pt; position: var(--position); top: 384pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.65pt;"></span></span><span style="left: 20.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3370" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6476">636</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 511.5pt; position: var(--position); top: 384pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.15pt;"></span></span><span style="left: 15.780000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3371" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6477">537</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 546pt; position: var(--position); top: 384pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.4pt;"></span></span><span style="left: 21.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3372" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6478">316</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 585.75pt; position: var(--position); top: 384pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3373" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6479">708</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630.75pt; position: var(--position); top: 384pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.42pt;"></span></span><span style="left: 10.05pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3374" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6480">515</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 29.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 663pt; position: var(--position); top: 384pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.5pt;"></span></span><span style="left: 9.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3375" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6481">3,674</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 698.25pt; position: var(--position); top: 384pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3376" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6482">1,589</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 735.75pt; position: var(--position); top: 384pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.15pt;"></span></span><span style="left: 18.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3377" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6483">708</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 773.25pt; position: var(--position); top: 384pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.15pt;"></span></span><span style="left: 18.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3378" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6484">759</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 810.75pt; position: var(--position); top: 384pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.15pt;"></span></span><span style="left: 15.780000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3379" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6485">355</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 384pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.4pt;"></span></span><span style="left: 21.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3380" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6486">506</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 885pt; position: var(--position); top: 384pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17pt;"></span></span><span style="left: 19.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3381" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6487">1,120</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 930.75pt; position: var(--position); top: 384pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.92pt;"></span></span><span style="left: 11.55pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3382" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6488">260</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 964.5pt; position: var(--position); top: 384pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.5pt;"></span></span><span style="left: 9.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3383" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6489">4,776</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 396.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustment of the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">EU 'IAS 39 carve out'<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 90.75pt; position: var(--position); top: 396.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.34pt;"></span></span><span style="left: 15.969999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3430" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6490">277</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 128.25pt; position: var(--position); top: 396.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.37pt;"></span></span><span style="left: 17pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3431" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6491">1,012</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 174pt; position: var(--position); top: 396.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 1.62pt;"></span></span><span style="left: 4.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3432" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6492">1,825</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 207pt; position: var(--position); top: 396.75pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.46pt;"></span></span><span style="left: 23.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3433" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6493">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 283.5pt; position: var(--position); top: 396.75pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.4pt;"></span></span><span style="left: 30.029999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3434" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6494">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 43.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360.75pt; position: var(--position); top: 396.75pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.62pt;"></span></span><span style="left: 7.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3333" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6495">3,147</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 396.75pt; position: var(--position); top: 396.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3435" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6496">2,818</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 434.25pt; position: var(--position); top: 396.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.22pt;"></span></span><span style="left: 12.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3436" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6497">1,570</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 472.5pt; position: var(--position); top: 396.75pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.97pt;"></span></span><span style="left: 13.600000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3437" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6498">3,911</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 511.5pt; position: var(--position); top: 396.75pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.75pt;"></span></span><span style="left: 21.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3438" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6499">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 585.75pt; position: var(--position); top: 396.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3439" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6500">137</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 663pt; position: var(--position); top: 396.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.22pt;"></span></span><span style="left: 9.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3335" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6501">8,451</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 698.25pt; position: var(--position); top: 396.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3440" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6502">723</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 735.75pt; position: var(--position); top: 396.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3441" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6503">47</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 773.25pt; position: var(--position); top: 396.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3442" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6504">390</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 810.75pt; position: var(--position); top: 396.75pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.87pt;"></span></span><span style="left: 31.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 31.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 885pt; position: var(--position); top: 396.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30pt;"></span></span><span style="left: 32.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3443" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6505">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 964.5pt; position: var(--position); top: 396.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.22pt;"></span></span><span style="left: 9.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3337" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6506">1,174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 420.75pt; width: 90.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 90.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result IFRS-IASB<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 90.75pt; position: var(--position); top: 420.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3444" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6507">2,499</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 128.25pt; position: var(--position); top: 420.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.92pt;"></span></span><span style="left: 23.55pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3445" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6508">123</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174pt; position: var(--position); top: 420.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.17pt;"></span></span><span style="left: 10.8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3446" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6509">326</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 207pt; position: var(--position); top: 420.75pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.15pt;"></span></span><span style="left: 15.780000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3447" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6510">649</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 241.5pt; position: var(--position); top: 420.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.65pt;"></span></span><span style="left: 23.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3448" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6511">690</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 283.5pt; position: var(--position); top: 420.75pt; width: 46.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 46.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.15pt;"></span></span><span style="left: 27.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3449" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6512">988</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 43.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 330pt; position: var(--position); top: 420.75pt; width: 30.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 30.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.92pt;"></span></span><span style="left: 8.55pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3450" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6513">237</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 27.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a7a7a7; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 360.75pt; position: var(--position); top: 420.75pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.25pt;"></span></span><span style="left: 9.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6514">4,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 33.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 396.75pt; position: var(--position); top: 420.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3451" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6515">4,510</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 420.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.5pt;"></span></span><span style="left: 12.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3452" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6516">1,871</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 35.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 472.5pt; position: var(--position); top: 420.75pt; width: 39pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.25pt;"></span></span><span style="left: 12.879999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3453" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6517">4,547</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 511.5pt; position: var(--position); top: 420.75pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.15pt;"></span></span><span style="left: 15.780000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3454" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6518">552</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 546pt; position: var(--position); top: 420.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.4pt;"></span></span><span style="left: 21.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3455" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6519">316</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 585.75pt; position: var(--position); top: 420.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3456" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6520">845</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630.75pt; position: var(--position); top: 420.75pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.42pt;"></span></span><span style="left: 10.05pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3457" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6521">515</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 29.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 663pt; position: var(--position); top: 420.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 1.26pt;"></span></span><span style="left: 3.8899999999999997pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6522">12,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-left: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 698.25pt; position: var(--position); top: 420.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3458" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6523">2,312</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 735.75pt; position: var(--position); top: 420.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.15pt;"></span></span><span style="left: 18.779999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3459" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6524">755</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 773.25pt; position: var(--position); top: 420.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.75pt;"></span></span><span style="left: 11.379999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3460" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6525">1,149</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 810.75pt; position: var(--position); top: 420.75pt; width: 34.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 34.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.15pt;"></span></span><span style="left: 15.780000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3461" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6526">355</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 845.25pt; position: var(--position); top: 420.75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.4pt;"></span></span><span style="left: 21.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3462" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6527">506</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 36.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 885pt; position: var(--position); top: 420.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17pt;"></span></span><span style="left: 19.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3463" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6528">1,134</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 930.75pt; position: var(--position); top: 420.75pt; width: 33.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.92pt;"></span></span><span style="left: 11.55pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3464" decimals="-6" sign="-" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" scale="6" id="f-6529">260</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a7a7a7; border-right: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 964.5pt; position: var(--position); top: 420.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.5pt;"></span></span><span style="left: 9.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossAttributableToOwnersOfParent" format="ixt:num-dot-decimal" scale="6" id="f-6530">5,951</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-6170-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 504.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">As from 2023, Wholesale Banking in France as well as Wholesale Banking in the Philippines are recorded in Wholesale Banking Rest of World. Previously the financials of Wholesale Banking in France and Wholesale Banking in the Philippines were reported in Other Challengers <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 514.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">and Growth Markets respectively. Historical figures have been adjusted.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 524.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, there was a change in the governance over the Asian stakes, which resulted in their transfer form Growth Markets to Other (Corporate Line). Historical figures have been adjusted.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 533.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">In 2022, ING discontinued its retail activities in France and the Philippines.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 543.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">4<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">4 In 2021, ING exited from the retail banking markets in Austria (included in Germany) and the Czech Republic (included in Other Challengers).<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -291<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_289"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfDetailedInformationAboutGeographicalAreasExplanatory" id="f-6531" continuedAt="f-6531-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;  Information on geographical areas<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-6531-1" continuedAt="f-6531-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 81.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s business lines operate in different geographical areas: the Netherlands, Belgium, Germany, Rest <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of Europe and Rest of the World. The geographical analyses are based on the location of the office from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 105.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which the transactions are originated and do not include countries where ING only has representation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 117.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">offices. The Netherlands is <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 159.42000000000002pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 204.91pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s country of domicile.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In order to increase <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 129.14pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 174.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s tax transparency, additional financial information on a per country basis <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 153.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">has been included in this disclosure: Tax paid represents all income tax paid to and/or received from tax <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 165.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">authorities in the current year, irrespective of the fiscal year to which these payments or refunds relate. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 177.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Total assets by country does not include intercompany balances and reconciles to the total assets in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 189.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consolidated statement of financial position of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 250.45pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 295.94pt; position: var(--position); text-decoration: none; white-space: pre;">. At the date when these financial statements <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 201.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">were authorized for issue, the Netherlands has implemented new legislation, based on an OECD legislative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 213.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">framework, to ensure that large multinational groups with their head office in the Netherlands pay income <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 225.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">tax at a minimum effective tax rate of 15% in all the countries they are present in, applicable from 2024 and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 237.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">onwards. Countries in which ING operates that have an effective tax rate below <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 395.33000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3465" decimals="4" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-6532">15</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 415.20000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> will be subject to an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 249.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">additional top-up tax. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> expects to be subject to top-up tax in relation to its operations in Switzerland, Ireland, Bulgaria <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and United Arab Emirates, in which countries the statutory tax rate is below <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 381.48pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3466" decimals="4" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-6533"><ix:nonFraction unitRef="number" contextRef="c-3467" decimals="4" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-6534"><ix:nonFraction unitRef="number" contextRef="c-3468" decimals="4" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-6535"><ix:nonFraction unitRef="number" contextRef="c-3469" decimals="4" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-6536">15</ix:nonFraction></ix:nonFraction></ix:nonFraction></ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 401.35pt; position: var(--position); text-decoration: none; white-space: pre;">, and in Singapore which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">country applies a special tax rate for certain profit components that reduces its effective tax rate to below <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 312.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3470" decimals="2" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-6537">15</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 59.84pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 342.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> has applied a temporary mandatory relief from deferred tax accounting for the impacts of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 354.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">top-up tax and accounts for it as a current tax when it is incurred. If the top-up tax had been applied in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 366.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023, the total top up tax that had to be paid by ING Group would have amounted to approximately EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 509.49pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3471" decimals="-6" name="ing:IncreaseDecreaseInEffectiveTaxPillarTwoTopUp" scale="6" id="f-6538">4</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 515.12pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 378.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The table below provide additional information, for the years 2023, 2022 and 2021 respectively, on names <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 417.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of principal subsidiaries and branches, nature of main activities and average number of employees on a full <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 429.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">time equivalent basis by country/tax jurisdiction.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -292<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-6531-2" continuedAt="f-6531-3"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfTaxCreditAdjustmentByGeographicalAreaExplanatory" id="f-6539" continuedAt="f-6539-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 64.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 72.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 107.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 78.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 43.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 43.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 43.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 35.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 32.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 32.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="22" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Additional information by country<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 26.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 64.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.95pt; width: 64.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Geographical <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 15.75pt; width: 64.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">area<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 64.5pt; position: var(--position); top: 14.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.79pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Country/Tax <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.59pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">jurisdiction<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 137.25pt; position: var(--position); top: 14.25pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.79pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Name of principal <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.59pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">subsidiary<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 244.5pt; position: var(--position); top: 14.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.79pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Main (banking) <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.59pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">activity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 323.25pt; position: var(--position); top: 14.25pt; width: 130.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.95pt; width: 130.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.53pt; position: var(--position); text-decoration: none; white-space: pre;">Average number of employees <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 15.75pt; width: 130.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.38pt; position: var(--position); text-decoration: none; white-space: pre;">at full time equivalent basis<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 453.75pt; position: var(--position); top: 14.25pt; width: 112.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.75pt; width: 112.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 57.64pt; position: var(--position); text-decoration: none; white-space: pre;">Total income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 566.25pt; position: var(--position); top: 14.25pt; width: 135pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.75pt; width: 135pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 84.71pt; position: var(--position); text-decoration: none; white-space: pre;">Total assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 701.25pt; position: var(--position); top: 14.25pt; width: 101.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.75pt; width: 101.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.81pt; position: var(--position); text-decoration: none; white-space: pre;">Result before tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 802.5pt; position: var(--position); top: 14.25pt; width: 99pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.75pt; width: 99pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 61.66pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 901.5pt; position: var(--position); top: 14.25pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.75pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 61.33pt; position: var(--position); text-decoration: none; white-space: pre;">Tax paid<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 323.25pt; position: var(--position); top: 40.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 43.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 366.75pt; position: var(--position); top: 40.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 43.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 410.25pt; position: var(--position); top: 40.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 43.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.91pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 453.75pt; position: var(--position); top: 40.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 491.25pt; position: var(--position); top: 40.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 528.75pt; position: var(--position); top: 40.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 566.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 611.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 656.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 701.25pt; position: var(--position); top: 40.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 35.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 736.5pt; position: var(--position); top: 40.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 33pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 769.5pt; position: var(--position); top: 40.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 33pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 802.5pt; position: var(--position); top: 40.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 33pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 835.5pt; position: var(--position); top: 40.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 33pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 868.5pt; position: var(--position); top: 40.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 33pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 901.5pt; position: var(--position); top: 40.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 33pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 934.5pt; position: var(--position); top: 40.5pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 32.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 8.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 966.75pt; position: var(--position); top: 40.5pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 32.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 8.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 51.75pt; width: 64.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 64.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 51.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 51.75pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 51.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale / Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 51.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.41pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3472" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6540">14,449</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 51.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.41pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3473" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6541">14,488</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 51.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.41pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3474" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6542">15,138</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 51.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3472" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6543">5,171</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 51.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3473" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6544">8,831</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 51.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3474" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6545">6,621</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3475" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6546">294,485</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3476" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6547">310,912</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3477" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6548">299,767</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 51.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.22pt;"></span></span><span style="left: 9.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3472" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6549">1,445</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 51.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.97pt;"></span></span><span style="left: 7.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3473" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6550">4,874</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 51.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.97pt;"></span></span><span style="left: 7.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3474" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6551">2,384</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 51.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3472" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6552">461</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 51.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.97pt;"></span></span><span style="left: 7.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3473" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-6553">1,399</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 51.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3474" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6554">728</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 51.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3472" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6555">601</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 51.75pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.44pt;"></span></span><span style="left: 14.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3473" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6556">376</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 51.75pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.44pt;"></span></span><span style="left: 14.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3474" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6557">428</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66pt; width: 64.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 64.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 66pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 37.56pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">5<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 66pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Belgi&#235; N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 66pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale / Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 66pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3478" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6558">6,392</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 66pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3479" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6559">6,582</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 66pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3480" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6560">6,965</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 66pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3478" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6561">1,917</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 66pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3479" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6562">4,365</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 66pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3480" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6563">2,754</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2286" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6564">128,391</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2338" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6565">128,323</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3481" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6566">130,335</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 66pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.09pt;"></span></span><span style="left: 13.719999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3478" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6567">119</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 66pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.97pt;"></span></span><span style="left: 7.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3479" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6568">2,297</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 66pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3480" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6569">842</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 66pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3478" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6570">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 66pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3479" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6571">584</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 66pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3480" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6572">212</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 66pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3478" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6573">169</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 66pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.44pt;"></span></span><span style="left: 14.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3479" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6574">152</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 66pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.44pt;"></span></span><span style="left: 14.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3480" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6575">174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 80.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Luxembourg<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 80.25pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Luxembourg S.A.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 80.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale / Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 80.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3482" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6576">939</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 80.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3483" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6577">927</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 80.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3484" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6578">856</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 80.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3482" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6579">587</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 80.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3483" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6580">503</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 80.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3484" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6581">366</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3485" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6582">14,435</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3486" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6583">18,415</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3487" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6584">20,406</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 80.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.44pt;"></span></span><span style="left: 17.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3482" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6585">328</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 80.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3483" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6586">262</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 80.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3484" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6587">189</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 80.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3482" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6588">84</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 80.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3483" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6589">66</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 80.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3484" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6590">48</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 80.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3482" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6591">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 80.25pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3483" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6592">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 80.25pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3484" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6593">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 94.5pt; width: 64.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 64.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 94.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Germany <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 42.6pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">5<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 94.5pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING DiBa A.G.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 94.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale / Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 94.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3488" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6594">5,499</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 94.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3489" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6595">5,573</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 94.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3490" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6596">5,521</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 94.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3488" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6597">1,244</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 94.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3489" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6598">8,573</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 94.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3490" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6599">2,962</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 94.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2273" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6600">171,899</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 94.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2325" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6601">167,516</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 94.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3491" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6602">159,799</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 94.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.09pt;"></span></span><span style="left: 13.719999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3488" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6603">221</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 94.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.97pt;"></span></span><span style="left: 7.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3489" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6604">6,798</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 94.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.97pt;"></span></span><span style="left: 7.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3490" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6605">1,587</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 94.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3488" decimals="-6" sign="-" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6606">55</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 94.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.97pt;"></span></span><span style="left: 7.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3489" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-6607">2,176</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 94.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3490" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6608">523</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 94.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3488" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6609">904</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 94.5pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.44pt;"></span></span><span style="left: 14.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3489" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6610">189</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 94.5pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.44pt;"></span></span><span style="left: 14.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3490" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6611">493</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 108.75pt; width: 64.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 64.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of Europe<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 108.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Poland <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 32.37pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 108.75pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank Slaski S.A<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 108.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale / Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 108.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.41pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3228" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6612">11,677</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 108.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.41pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3492" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6613">11,130</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 108.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.41pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3493" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6614">10,674</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 108.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3228" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6615">2,350</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 108.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3492" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6616">1,652</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 108.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3493" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6617">1,509</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 108.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3494" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6618">52,134</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 108.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3495" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6619">45,598</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 108.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3496" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6620">43,888</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 108.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.22pt;"></span></span><span style="left: 9.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3228" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-6621">1,236</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 108.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3492" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6622">544</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 108.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3493" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6623">660</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 108.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3228" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6624">286</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 108.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3492" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6625">143</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 108.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3493" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6626">154</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 108.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3228" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6627">136</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 108.75pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.15pt;"></span></span><span style="left: 15.780000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3492" decimals="-6" sign="-" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6628">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 108.75pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.44pt;"></span></span><span style="left: 14.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3493" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6629">235</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 123pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Spain<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 123pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 123pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale / Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 123pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3497" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6630">1,576</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 123pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3498" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6631">1,439</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 123pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3499" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6632">1,380</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 123pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3497" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6633">1,156</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 123pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3498" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6634">899</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 123pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3499" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6635">743</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 123pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3500" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6636">33,092</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 123pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3501" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6637">32,277</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 123pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3502" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6638">32,559</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 123pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.44pt;"></span></span><span style="left: 17.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3497" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6639">533</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 123pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3498" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6640">321</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 123pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3499" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6641">212</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 123pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3497" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6642">125</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 123pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3498" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6643">105</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 123pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3499" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6644">57</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 123pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3497" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6645">114</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 123pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.44pt;"></span></span><span style="left: 14.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3498" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6646">101</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 123pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3499" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6647">59</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 137.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Italy<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 137.25pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 137.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale / Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 137.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3503" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6648">1,190</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 137.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3504" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6649">1,118</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 137.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3505" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6650">1,099</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 137.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3503" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6651">433</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 137.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3504" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6652">345</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 137.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3505" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6653">335</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 137.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3506" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6654">14,832</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 137.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3507" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6655">14,152</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 137.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3508" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6656">13,983</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 137.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.44pt;"></span></span><span style="left: 17.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3503" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6657">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 137.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3504" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6658">63</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 137.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3505" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6659">73</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 137.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3503" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6660">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 137.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3504" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6661">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 137.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3505" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6662">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 137.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3503" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6663">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 137.25pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3504" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6664">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 137.25pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3505" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6665">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 151.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Romania <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 40.78pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 151.5pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 151.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale / Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 151.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3509" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6666">3,971</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 151.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3510" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6667">3,580</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 151.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3511" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6668">3,319</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 151.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3509" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6669">690</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 151.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3510" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6670">584</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 151.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3511" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6671">495</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 151.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3512" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6672">11,496</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 151.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3513" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6673">10,555</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 151.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3514" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6674">9,635</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 151.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.44pt;"></span></span><span style="left: 17.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3509" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6675">396</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 151.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3510" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6676">324</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 151.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3511" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6677">273</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 151.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3509" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6678">61</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 151.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3510" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6679">51</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 151.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3511" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6680">41</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 151.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3509" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6681">55</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 151.5pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3510" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6682">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 151.5pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3511" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6683">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 165.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">T&#252;rkiye<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 165.75pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank A.S.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 165.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale / Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 165.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3515" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6684">2,973</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 165.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3516" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6685">3,076</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 165.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3517" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6686">3,338</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 165.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3515" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6687">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 165.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3516" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6688">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 165.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3517" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6689">335</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 165.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3518" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6690">4,770</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 165.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3519" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6691">5,400</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 165.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3520" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6692">5,818</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 165.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.09pt;"></span></span><span style="left: 13.719999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3515" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6693">232</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 165.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.84pt;"></span></span><span style="left: 11.469999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3516" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6694">143</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 165.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3517" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6695">144</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 165.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3515" decimals="-6" sign="-" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6696">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 165.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3516" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6697">65</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 165.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3517" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6698">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 165.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3515" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6699">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 165.75pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3516" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6700">79</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 165.75pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3517" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6701">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 180pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">UK<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 180pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 180pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 180pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3521" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6702">722</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 180pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3522" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6703">692</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 180pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3523" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6704">698</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 180pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3521" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6705">758</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 180pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3522" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6706">693</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 180pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3523" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6707">636</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3524" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6708">50,572</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3525" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6709">46,066</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3526" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6710">50,734</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 180pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.44pt;"></span></span><span style="left: 17.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3521" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6711">510</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 180pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3522" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6712">286</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 180pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3523" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6713">277</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 180pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3521" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6714">131</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 180pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3522" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6715">81</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 180pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3523" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6716">73</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 180pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3521" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6717">101</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 180pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3522" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6718">58</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 180pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3523" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6719">50</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 194.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Switzerland<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 194.25pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 194.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 194.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3527" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6720">292</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 194.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3528" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6721">277</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 194.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3529" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6722">259</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 194.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3527" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6723">248</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 194.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3528" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6724">290</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 194.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3529" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6725">241</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 194.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3530" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6726">8,501</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 194.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3531" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6727">9,513</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 194.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3532" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6728">11,081</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 194.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.44pt;"></span></span><span style="left: 17.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3527" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6729">137</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 194.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3528" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6730">182</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 194.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3529" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6731">148</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 194.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3527" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6732">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 194.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3528" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6733">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 194.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3529" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6734">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 194.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3527" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6735">52</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 194.25pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3528" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6736">45</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 194.25pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3529" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6737">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 208.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">France <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 31.9pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2,4<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 208.5pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 208.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 208.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3533" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6738">194</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 208.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3534" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6739">600</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 208.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3535" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6740">764</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 208.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3533" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6741">221</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 208.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3534" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6742">557</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 208.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3535" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6743">313</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 208.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3536" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6744">8,458</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 208.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3537" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6745">9,086</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 208.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3538" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6746">12,397</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 208.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3533" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6747">91</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 208.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3534" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6748">228</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 208.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3535" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6749">65</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 208.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3533" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6750">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 208.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3534" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6751">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 208.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3535" decimals="-6" sign="-" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6752">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 208.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3533" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6753">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 208.5pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3534" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6754">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 208.5pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.21pt;"></span></span><span style="left: 20.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3535" decimals="-6" sign="-" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6755">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 222.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Ireland<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 222.75pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 222.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 222.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3539" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6756">82</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 222.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3540" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6757">72</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 222.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3541" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6758">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 222.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3539" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6759">83</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 222.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3540" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6760">66</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 222.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3541" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6761">70</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 222.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3542" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6762">3,907</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 222.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3543" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6763">2,773</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 222.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3544" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6764">1,831</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 222.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3539" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6765">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 222.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3540" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6766">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 222.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3541" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6767">77</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 222.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3539" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6768">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 222.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3540" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6769">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 222.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3541" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6770">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 222.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3539" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6771">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 222.75pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3540" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6772">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 222.75pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3541" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6773">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 237pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Czech Republic <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 64.42999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">3<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 237pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 237pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 237pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3545" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6774">134</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 237pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3546" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6775">137</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 237pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3547" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6776">285</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 237pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3545" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6777">76</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 237pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3546" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6778">78</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 237pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3547" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6779">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 237pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3548" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6780">3,191</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 237pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3549" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6781">3,192</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 237pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3550" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6782">2,894</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 237pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3545" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6783">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 237pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3546" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6784">38</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 237pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3547" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6785">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 237pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3545" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6786">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 237pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3546" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6787">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 237pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3547" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6788">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 237pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3545" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6789">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 237pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3546" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6790">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 237pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.21pt;"></span></span><span style="left: 20.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3547" decimals="-6" sign="-" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6791">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 251.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hungary<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 251.25pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 251.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 251.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3551" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6792">127</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 251.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3552" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6793">120</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 251.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3553" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6794">119</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 251.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3551" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6795">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 251.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3552" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6796">82</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 251.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3553" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6797">44</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 251.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3554" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6798">1,893</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 251.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3555" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6799">1,993</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 251.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3556" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6800">1,148</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 251.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3551" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6801">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 251.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3552" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6802">38</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 251.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3553" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6803">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 251.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3551" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6804">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 251.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3552" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6805">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 251.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3553" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6806">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 251.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3551" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6807">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 251.25pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3552" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6808">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 251.25pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3553" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6809">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 265.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Russia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 265.5pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank (Eurasia) Z.A.O.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 265.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 265.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3557" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6810">259</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 265.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3558" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6811">272</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 265.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3559" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6812">281</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 265.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3557" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6813">136</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 265.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3558" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6814">246</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 265.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3559" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6815">38</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 265.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3560" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6816">925</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 265.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3561" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6817">2,783</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 265.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3562" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6818">898</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 265.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.44pt;"></span></span><span style="left: 17.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3557" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6819">151</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 265.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3558" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6820">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 265.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3559" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6821">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 265.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3557" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6822">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 265.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3558" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6823">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 265.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3559" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6824">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 265.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3557" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6825">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 265.5pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.5pt;"></span></span><span style="left: 19.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3558" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6826">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 265.5pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.21pt;"></span></span><span style="left: 20.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3559" decimals="-6" sign="-" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6827">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 279.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Slovakia <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 37.53pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 279.75pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 279.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 279.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3563" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6828">1,347</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 279.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3564" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6829">1,129</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 279.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3565" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6830">983</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 279.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3563" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6831">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 279.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3564" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6832">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 279.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3565" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6833">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 279.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3566" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6834">618</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 279.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3567" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6835">391</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 279.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3568" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6836">352</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 279.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3563" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6837">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 279.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3564" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6838">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 279.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3565" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6839">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 279.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3563" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6840">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 279.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3564" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6841">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 279.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3565" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6842">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 279.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3563" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6843">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 279.75pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3564" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6844">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 279.75pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3565" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6845">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 294pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Portugal<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 294pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 294pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 294pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3569" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6846">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 294pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3570" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6847">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 294pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3571" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6848">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 294pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3569" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6849">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 294pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3570" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6850">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 294pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3571" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6851">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 294pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3572" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6852">620</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 294pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3573" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6853">689</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 294pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3574" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6854">675</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 294pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3569" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6855">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 294pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3570" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6856">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 294pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3571" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6857">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 294pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3569" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6858">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 294pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3570" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6859">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 294pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3571" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6860">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 294pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3569" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6861">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 294pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3570" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6862">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 294pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3571" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6863">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 308.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Ukraine<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 308.25pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">PJSC ING Bank Ukraine<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 308.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 308.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3575" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6864">91</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 308.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3576" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6865">91</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 308.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3577" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6866">96</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 308.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3575" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6867">53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 308.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3576" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6868">45</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 308.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3577" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6869">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 308.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3578" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6870">590</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 308.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3579" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6871">385</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 308.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3580" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6872">409</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 308.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3575" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6873">44</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 308.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3576" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6874">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 308.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3577" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6875">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 308.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3575" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6876">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 308.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3576" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6877">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 308.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3577" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6878">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 308.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3575" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6879">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 308.25pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3576" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6880">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 308.25pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3577" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6881">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 322.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Bulgaria<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 322.5pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 322.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 322.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3581" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6882">61</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 322.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3582" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6883">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 322.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3583" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6884">61</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 322.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3581" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6885">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 322.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3582" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6886">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 322.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3583" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6887">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 322.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3584" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6888">530</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 322.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3585" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6889">436</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 322.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3586" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6890">420</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 322.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3581" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6891">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 322.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3582" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6892">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 322.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3583" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6893">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 322.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3581" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6894">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 322.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3582" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6895">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 322.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3583" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6896">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 322.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3581" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6897">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 322.5pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3582" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6898">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 322.5pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3583" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6899">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 336.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Austria <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 33.54pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">3<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 137.25pt; position: var(--position); top: 336.75pt; width: 107.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 107.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 244.5pt; position: var(--position); top: 336.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 323.25pt; position: var(--position); top: 336.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3587" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6900">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 366.75pt; position: var(--position); top: 336.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3588" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6901">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 336.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3589" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6902">292</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 453.75pt; position: var(--position); top: 336.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3587" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6903">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 491.25pt; position: var(--position); top: 336.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3588" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6904">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 528.75pt; position: var(--position); top: 336.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3589" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6905">175</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 566.25pt; position: var(--position); top: 336.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3590" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6906">383</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 611.25pt; position: var(--position); top: 336.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3591" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6907">261</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 656.25pt; position: var(--position); top: 336.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3592" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-6908">419</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 701.25pt; position: var(--position); top: 336.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.21pt;"></span></span><span style="left: 23.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3587" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6909">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 736.5pt; position: var(--position); top: 336.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3588" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6910">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 336.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3589" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6911">101</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 802.5pt; position: var(--position); top: 336.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3587" decimals="-6" sign="-" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6912">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 835.5pt; position: var(--position); top: 336.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3588" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6913">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 868.5pt; position: var(--position); top: 336.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3589" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6914">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 901.5pt; position: var(--position); top: 336.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3587" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6915">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 934.5pt; position: var(--position); top: 336.75pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3588" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6916">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 966.75pt; position: var(--position); top: 336.75pt; width: 32.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 32.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.56pt;"></span></span><span style="left: 24.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3589" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6917">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 29.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-6539-1" continuedAt="f-6539-2"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 420.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Includes significant number of FTEs in relation to global services provided.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 430.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Public subsidies received, as defined in article 89 of the CRD IV, amounts to EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 330.87pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3533" decimals="-5" name="ing:PublicSubsidiesAmountReceived" scale="6" id="f-6918">0.2</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 341.79pt; position: var(--position); text-decoration: none; white-space: pre;"> million (<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 372.24pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 390.24pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 410.33pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3534" decimals="-5" name="ing:PublicSubsidiesAmountReceived" scale="6" id="f-6919">0.1</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 421.25pt; position: var(--position); text-decoration: none; white-space: pre;"> million; <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 451.08pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 469.08pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 489.17pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3535" decimals="-5" name="ing:PublicSubsidiesAmountReceived" scale="6" id="f-6920">0.0</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 500.09pt; position: var(--position); text-decoration: none; white-space: pre;"> million).<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 440.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">In 2021, ING exited from the retail banking markets in Austria and the Czech Republic.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 449.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">4<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">In 2022, ING exited from the retail banking markets in France and the Philippines.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 459.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">5<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Result before tax is impacted by the EU 'IAS 39' carve out adjustment.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -293<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-6539-2"><ix:continuation id="f-6531-3" continuedAt="f-6531-4"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 1002pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 64.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 67.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 118.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 78.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 33pt;"/></tr><tr style="height: 14.25pt;"><td colspan="22" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 1002pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 1002pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Additional information by country (continued)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 64.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.29pt; width: 64.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Geographical <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 19.09pt; width: 64.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">area<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 64.5pt; position: var(--position); top: 14.25pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.29pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Country/Tax <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 19.09pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">jurisdiction<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 132pt; position: var(--position); top: 14.25pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.29pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Name of principal <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 19.09pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">subsidiary<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 250.5pt; position: var(--position); top: 14.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.29pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Main (banking) <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 19.09pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">activity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 329.25pt; position: var(--position); top: 14.25pt; width: 128.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 128.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 47.91pt; position: var(--position); text-decoration: none; white-space: pre;">Average number of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 128.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.34pt; position: var(--position); text-decoration: none; white-space: pre;">employees at full time <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 128.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 61.03pt; position: var(--position); text-decoration: none; white-space: pre;">equivalent basis<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 457.5pt; position: var(--position); top: 14.25pt; width: 112.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 112.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 57.64pt; position: var(--position); text-decoration: none; white-space: pre;">Total income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 570pt; position: var(--position); top: 14.25pt; width: 135pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 135pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 84.71pt; position: var(--position); text-decoration: none; white-space: pre;">Total assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 705pt; position: var(--position); top: 14.25pt; width: 99pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 99pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.56pt; position: var(--position); text-decoration: none; white-space: pre;">Result before tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 804pt; position: var(--position); top: 14.25pt; width: 99pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 99pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 61.66pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 903pt; position: var(--position); top: 14.25pt; width: 99pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 99pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 62.83pt; position: var(--position); text-decoration: none; white-space: pre;">Tax paid<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 329.25pt; position: var(--position); top: 49.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 372pt; position: var(--position); top: 49.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 414.75pt; position: var(--position); top: 49.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 457.5pt; position: var(--position); top: 49.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 495pt; position: var(--position); top: 49.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 532.5pt; position: var(--position); top: 49.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 37.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.91pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 570pt; position: var(--position); top: 49.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 615pt; position: var(--position); top: 49.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 660pt; position: var(--position); top: 49.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 705pt; position: var(--position); top: 49.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 33pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 738pt; position: var(--position); top: 49.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 33pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 771pt; position: var(--position); top: 49.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 33pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 804pt; position: var(--position); top: 49.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 33pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 837pt; position: var(--position); top: 49.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 33pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 870pt; position: var(--position); top: 49.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 33pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 903pt; position: var(--position); top: 49.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 33pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 936pt; position: var(--position); top: 49.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 33pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 969pt; position: var(--position); top: 49.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 33pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 61.5pt; width: 64.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 64.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 64.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">World<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 64.5pt; position: var(--position); top: 61.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Australia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 132pt; position: var(--position); top: 61.5pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank (Australia) Ltd.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 250.5pt; position: var(--position); top: 61.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale / Retail<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 329.25pt; position: var(--position); top: 61.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3593" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6921">1,820</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 372pt; position: var(--position); top: 61.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3594" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6922">1,556</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 414.75pt; position: var(--position); top: 61.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3595" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-6923">1,503</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 457.5pt; position: var(--position); top: 61.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3593" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6924">1,033</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 495pt; position: var(--position); top: 61.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3594" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6925">948</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 532.5pt; position: var(--position); top: 61.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3595" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6926">782</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 570pt; position: var(--position); top: 61.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3596" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6927">52,734</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 615pt; position: var(--position); top: 61.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3597" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6928">52,728</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 660pt; position: var(--position); top: 61.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3598" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6929">49,826</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 705pt; position: var(--position); top: 61.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3593" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6930">572</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 738pt; position: var(--position); top: 61.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3594" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6931">557</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 771pt; position: var(--position); top: 61.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3595" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6932">500</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 804pt; position: var(--position); top: 61.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3593" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6933">174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 837pt; position: var(--position); top: 61.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3594" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6934">172</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 870pt; position: var(--position); top: 61.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3595" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6935">149</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 903pt; position: var(--position); top: 61.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3593" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6936">185</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 936pt; position: var(--position); top: 61.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3594" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6937">135</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 969pt; position: var(--position); top: 61.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3595" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6938">121</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 64.5pt; position: var(--position); top: 85.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">USA<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 132pt; position: var(--position); top: 85.5pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Financial Holdings Corp.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 250.5pt; position: var(--position); top: 85.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 329.25pt; position: var(--position); top: 85.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3599" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6939">603</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372pt; position: var(--position); top: 85.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3600" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6940">586</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 85.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3601" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6941">563</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 457.5pt; position: var(--position); top: 85.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.47pt;"></span></span><span style="left: 12.100000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3599" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-6942">1,124</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 495pt; position: var(--position); top: 85.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3600" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6943">892</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 532.5pt; position: var(--position); top: 85.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3601" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6944">936</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 570pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2299" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6945">66,143</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 615pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2351" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6946">65,024</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 660pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3602" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6947">55,582</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 705pt; position: var(--position); top: 85.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3599" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6948">654</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 738pt; position: var(--position); top: 85.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3600" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6949">413</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 85.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3601" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6950">779</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 804pt; position: var(--position); top: 85.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3599" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6951">185</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 837pt; position: var(--position); top: 85.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3600" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6952">115</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 870pt; position: var(--position); top: 85.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3601" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6953">182</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 903pt; position: var(--position); top: 85.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3599" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6954">183</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 936pt; position: var(--position); top: 85.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3600" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6955">135</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 969pt; position: var(--position); top: 85.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3601" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6956">148</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 64.5pt; position: var(--position); top: 98.25pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Singapore<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 132pt; position: var(--position); top: 98.25pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 250.5pt; position: var(--position); top: 98.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 329.25pt; position: var(--position); top: 98.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3603" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6957">576</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372pt; position: var(--position); top: 98.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3604" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6958">565</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 98.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3605" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6959">573</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 457.5pt; position: var(--position); top: 98.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3603" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6960">354</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 495pt; position: var(--position); top: 98.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3604" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6961">354</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 532.5pt; position: var(--position); top: 98.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3605" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6962">331</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 570pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3606" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6963">26,816</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 615pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3607" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6964">25,701</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 660pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3608" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6965">24,163</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 705pt; position: var(--position); top: 98.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3603" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6966">172</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 738pt; position: var(--position); top: 98.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3604" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6967">105</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 98.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.19pt;"></span></span><span style="left: 14.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3605" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6968">133</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 804pt; position: var(--position); top: 98.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3603" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6969">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 837pt; position: var(--position); top: 98.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3604" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6970">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 870pt; position: var(--position); top: 98.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3605" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6971">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 903pt; position: var(--position); top: 98.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3603" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6972">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 936pt; position: var(--position); top: 98.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3604" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6973">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 969pt; position: var(--position); top: 98.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3605" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6974">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 64.5pt; position: var(--position); top: 111pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Japan<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 132pt; position: var(--position); top: 111pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 250.5pt; position: var(--position); top: 111pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 329.25pt; position: var(--position); top: 111pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3609" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6975">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372pt; position: var(--position); top: 111pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3610" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6976">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 111pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3611" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6977">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 457.5pt; position: var(--position); top: 111pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3609" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6978">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 495pt; position: var(--position); top: 111pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3610" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6979">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 532.5pt; position: var(--position); top: 111pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3611" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6980">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 570pt; position: var(--position); top: 111pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3612" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6981">14,267</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 615pt; position: var(--position); top: 111pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3613" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6982">5,128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 660pt; position: var(--position); top: 111pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3614" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6983">2,256</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 705pt; position: var(--position); top: 111pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3609" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6984">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 738pt; position: var(--position); top: 111pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3610" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6985">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 111pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3611" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-6986">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 804pt; position: var(--position); top: 111pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3609" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6987">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 837pt; position: var(--position); top: 111pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3610" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6988">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 870pt; position: var(--position); top: 111pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3611" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-6989">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 903pt; position: var(--position); top: 111pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3609" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6990">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 936pt; position: var(--position); top: 111pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3610" decimals="-6" sign="-" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6991">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 969pt; position: var(--position); top: 111pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3611" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-6992">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 64.5pt; position: var(--position); top: 123.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">South Korea<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 132pt; position: var(--position); top: 123.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 250.5pt; position: var(--position); top: 123.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 329.25pt; position: var(--position); top: 123.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3615" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6993">86</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372pt; position: var(--position); top: 123.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3616" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6994">78</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 123.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3617" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-6995">75</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 457.5pt; position: var(--position); top: 123.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3615" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6996">92</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 495pt; position: var(--position); top: 123.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3616" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6997">86</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 532.5pt; position: var(--position); top: 123.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3617" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-6998">65</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 570pt; position: var(--position); top: 123.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3618" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-6999">6,167</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 615pt; position: var(--position); top: 123.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3619" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-7000">7,989</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 660pt; position: var(--position); top: 123.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3620" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-7001">5,800</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 705pt; position: var(--position); top: 123.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3615" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7002">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 738pt; position: var(--position); top: 123.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3616" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7003">47</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 123.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3617" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7004">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 804pt; position: var(--position); top: 123.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3615" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7005">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 837pt; position: var(--position); top: 123.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3616" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7006">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 870pt; position: var(--position); top: 123.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3617" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7007">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 903pt; position: var(--position); top: 123.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3615" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7008">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 936pt; position: var(--position); top: 123.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3616" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7009">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 969pt; position: var(--position); top: 123.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3617" decimals="-6" sign="-" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7010">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 64.5pt; position: var(--position); top: 136.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hong Kong<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 132pt; position: var(--position); top: 136.5pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 250.5pt; position: var(--position); top: 136.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 329.25pt; position: var(--position); top: 136.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3621" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7011">104</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372pt; position: var(--position); top: 136.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3622" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7012">103</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 136.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3623" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7013">105</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 457.5pt; position: var(--position); top: 136.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.69pt;"></span></span><span style="left: 19.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3621" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7014">101</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 495pt; position: var(--position); top: 136.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3622" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7015">82</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 532.5pt; position: var(--position); top: 136.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3623" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7016">79</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 570pt; position: var(--position); top: 136.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3624" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-7017">4,378</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 615pt; position: var(--position); top: 136.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3625" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-7018">4,343</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 660pt; position: var(--position); top: 136.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3626" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-7019">6,691</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 705pt; position: var(--position); top: 136.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3621" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7020">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 738pt; position: var(--position); top: 136.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3622" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7021">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 136.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3623" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7022">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 804pt; position: var(--position); top: 136.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3621" decimals="-6" sign="-" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7023">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 837pt; position: var(--position); top: 136.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3622" decimals="-6" sign="-" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7024">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 870pt; position: var(--position); top: 136.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3623" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7025">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 903pt; position: var(--position); top: 136.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3621" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7026">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 936pt; position: var(--position); top: 136.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3622" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7027">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 969pt; position: var(--position); top: 136.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3623" decimals="-6" sign="-" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7028">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 64.5pt; position: var(--position); top: 149.25pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taiwan<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 132pt; position: var(--position); top: 149.25pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 250.5pt; position: var(--position); top: 149.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 329.25pt; position: var(--position); top: 149.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3627" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7029">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372pt; position: var(--position); top: 149.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3628" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7030">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 149.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3629" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7031">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 457.5pt; position: var(--position); top: 149.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3627" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7032">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 495pt; position: var(--position); top: 149.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3628" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7033">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 532.5pt; position: var(--position); top: 149.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3629" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7034">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 570pt; position: var(--position); top: 149.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3630" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-7035">2,597</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 615pt; position: var(--position); top: 149.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3631" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-7036">3,578</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 660pt; position: var(--position); top: 149.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3632" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-7037">2,963</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 705pt; position: var(--position); top: 149.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3627" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7038">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 738pt; position: var(--position); top: 149.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3628" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7039">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 149.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3629" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7040">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 804pt; position: var(--position); top: 149.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3627" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7041">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 837pt; position: var(--position); top: 149.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3628" decimals="-6" sign="-" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7042">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 870pt; position: var(--position); top: 149.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3629" decimals="-6" sign="-" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7043">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 903pt; position: var(--position); top: 149.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3627" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7044">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 936pt; position: var(--position); top: 149.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3628" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7045">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 969pt; position: var(--position); top: 149.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3629" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7046">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 64.5pt; position: var(--position); top: 162pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">China<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 132pt; position: var(--position); top: 162pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 250.5pt; position: var(--position); top: 162pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 329.25pt; position: var(--position); top: 162pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3633" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7047">78</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372pt; position: var(--position); top: 162pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3634" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7048">76</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 162pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3635" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7049">79</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 457.5pt; position: var(--position); top: 162pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3633" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7050">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 495pt; position: var(--position); top: 162pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3634" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7051">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 532.5pt; position: var(--position); top: 162pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3635" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7052">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 570pt; position: var(--position); top: 162pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3636" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7053">998</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 615pt; position: var(--position); top: 162pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3637" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-7054">1,181</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 660pt; position: var(--position); top: 162pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3638" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-7055">1,654</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 705pt; position: var(--position); top: 162pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3633" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7056">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 738pt; position: var(--position); top: 162pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3634" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7057">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 162pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3635" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7058">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 804pt; position: var(--position); top: 162pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3633" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7059">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 837pt; position: var(--position); top: 162pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3634" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7060">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 870pt; position: var(--position); top: 162pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3635" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7061">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 903pt; position: var(--position); top: 162pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3633" decimals="-6" sign="-" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7062">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 936pt; position: var(--position); top: 162pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3634" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7063">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 969pt; position: var(--position); top: 162pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3635" decimals="-6" sign="-" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7064">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 64.5pt; position: var(--position); top: 174.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Philippines <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 47.38pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1,4<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 132pt; position: var(--position); top: 174.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 250.5pt; position: var(--position); top: 174.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 329.25pt; position: var(--position); top: 174.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3639" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-7065">4,079</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372pt; position: var(--position); top: 174.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3640" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-7066">3,098</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 174.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3641" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-7067">2,414</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 457.5pt; position: var(--position); top: 174.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3639" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7068">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 495pt; position: var(--position); top: 174.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3640" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7069">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 532.5pt; position: var(--position); top: 174.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3641" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7070">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 570pt; position: var(--position); top: 174.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3642" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7071">403</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 615pt; position: var(--position); top: 174.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3643" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7072">381</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 660pt; position: var(--position); top: 174.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3644" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7073">567</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 705pt; position: var(--position); top: 174.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3639" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7074">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 738pt; position: var(--position); top: 174.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3640" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7075">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 174.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3641" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7076">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 804pt; position: var(--position); top: 174.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3639" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7077">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 837pt; position: var(--position); top: 174.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3640" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7078">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 870pt; position: var(--position); top: 174.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3641" decimals="-6" sign="-" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7079">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 903pt; position: var(--position); top: 174.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3639" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7080">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 936pt; position: var(--position); top: 174.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3640" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7081">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 969pt; position: var(--position); top: 174.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3641" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7082">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 20.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 64.5pt; overflow: hidden; position: var(--position); top: 187.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.79pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">United Arab <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 11.59pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Emirates<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 132pt; position: var(--position); top: 187.5pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 250.5pt; position: var(--position); top: 187.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Wholesale<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 329.25pt; position: var(--position); top: 187.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3645" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7083">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 372pt; position: var(--position); top: 187.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3646" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7084">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 414.75pt; position: var(--position); top: 187.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3647" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7085">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 457.5pt; position: var(--position); top: 187.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.46pt;"></span></span><span style="left: 26.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3645" decimals="-6" sign="-" name="ifrs-full:Revenue" scale="6" id="f-7086">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 495pt; position: var(--position); top: 187.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.46pt;"></span></span><span style="left: 26.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3646" decimals="-6" sign="-" name="ifrs-full:Revenue" scale="6" id="f-7087">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 532.5pt; position: var(--position); top: 187.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3647" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7088">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 570pt; position: var(--position); top: 187.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3648" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7089">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 615pt; position: var(--position); top: 187.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3649" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7090">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 660pt; position: var(--position); top: 187.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3650" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7091">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 705pt; position: var(--position); top: 187.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3645" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7092">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 738pt; position: var(--position); top: 187.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3646" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7093">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 771pt; position: var(--position); top: 187.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3647" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7094">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 804pt; position: var(--position); top: 187.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3645" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7095">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 837pt; position: var(--position); top: 187.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3646" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7096">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 870pt; position: var(--position); top: 187.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3647" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7097">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 903pt; position: var(--position); top: 187.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3645" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7098">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 936pt; position: var(--position); top: 187.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3646" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7099">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 969pt; position: var(--position); top: 187.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3647" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7100">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 64.5pt; position: var(--position); top: 207.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Sri Lanka<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 132pt; position: var(--position); top: 207.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Hubs B.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 250.5pt; position: var(--position); top: 207.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Global services<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 329.25pt; position: var(--position); top: 207.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3651" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7101">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 372pt; position: var(--position); top: 207.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3652" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7102">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 207.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3653" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7103">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 457.5pt; position: var(--position); top: 207.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3651" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7104">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 495pt; position: var(--position); top: 207.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3652" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7105">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 532.5pt; position: var(--position); top: 207.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3653" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7106">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 570pt; position: var(--position); top: 207.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3654" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7107">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 615pt; position: var(--position); top: 207.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3655" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7108">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 660pt; position: var(--position); top: 207.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3656" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7109">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 705pt; position: var(--position); top: 207.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3651" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7110">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 738pt; position: var(--position); top: 207.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3652" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7111">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 771pt; position: var(--position); top: 207.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3653" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7112">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 804pt; position: var(--position); top: 207.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3651" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7113">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 837pt; position: var(--position); top: 207.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3652" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7114">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 870pt; position: var(--position); top: 207.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3653" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7115">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 903pt; position: var(--position); top: 207.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3651" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7116">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 936pt; position: var(--position); top: 207.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3652" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7117">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 969pt; position: var(--position); top: 207.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3653" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7118">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 64.5pt; position: var(--position); top: 222pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Brazil<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 132pt; position: var(--position); top: 222pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING ADMINISTRA&#199;&#195;O LTDA.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 250.5pt; position: var(--position); top: 222pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In run-off / <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">liquidation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 329.25pt; position: var(--position); top: 222pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3657" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7119">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 372pt; position: var(--position); top: 222pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3658" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7120">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 414.75pt; position: var(--position); top: 222pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3659" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7121">63</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 457.5pt; position: var(--position); top: 222pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3657" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7122">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 495pt; position: var(--position); top: 222pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3658" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7123">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 532.5pt; position: var(--position); top: 222pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.75pt;"></span></span><span style="left: 24.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3659" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7124">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 570pt; position: var(--position); top: 222pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3660" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7125">73</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 615pt; position: var(--position); top: 222pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3661" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7126">57</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 660pt; position: var(--position); top: 222pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3662" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7127">288</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 705pt; position: var(--position); top: 222pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.25pt;"></span></span><span style="left: 19.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3657" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7128">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 738pt; position: var(--position); top: 222pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3658" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7129">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 771pt; position: var(--position); top: 222pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3659" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7130">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 804pt; position: var(--position); top: 222pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3657" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7131">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 837pt; position: var(--position); top: 222pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3658" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7132">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 870pt; position: var(--position); top: 222pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3659" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7133">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 903pt; position: var(--position); top: 222pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3657" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7134">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 936pt; position: var(--position); top: 222pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3658" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7135">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 969pt; position: var(--position); top: 222pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3659" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7136">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 64.5pt; position: var(--position); top: 246pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Mexico<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 132pt; position: var(--position); top: 246pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Consulting, S.A. de C.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 250.5pt; position: var(--position); top: 246pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In run-off / <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">liquidation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="employee" contextRef="c-3663" xsi:nil="true" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" id="f-7137"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 372pt; position: var(--position); top: 246pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3664" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7138">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 414.75pt; position: var(--position); top: 246pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3665" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7139">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3663" xsi:nil="true" name="ifrs-full:Revenue" id="f-7140"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 495pt; position: var(--position); top: 246pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3664" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7141">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 532.5pt; position: var(--position); top: 246pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3665" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7142">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3666" xsi:nil="true" name="ifrs-full:Assets" id="f-7143"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 615pt; position: var(--position); top: 246pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3667" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7144">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 660pt; position: var(--position); top: 246pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3668" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7145">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3663" xsi:nil="true" name="ifrs-full:ProfitLossBeforeTax" id="f-7146"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 738pt; position: var(--position); top: 246pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3664" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7147">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 771pt; position: var(--position); top: 246pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3665" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7148">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3663" xsi:nil="true" name="ifrs-full:IncomeTaxExpenseContinuingOperations" id="f-7149"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 837pt; position: var(--position); top: 246pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3664" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7150">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 870pt; position: var(--position); top: 246pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3665" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7151">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 903pt; position: var(--position); top: 246pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.37pt;"></span></span><span style="left: 30pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3663" xsi:nil="true" name="ifrs-full:IncomeTaxesPaidRefund" id="f-7152"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 936pt; position: var(--position); top: 246pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3664" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7153">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 969pt; position: var(--position); top: 246pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3665" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7154">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 20.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 64.5pt; position: var(--position); top: 270pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Canada<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 132pt; overflow: hidden; position: var(--position); top: 270pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.79pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Payvision Canada Services <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 11.59pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Ltd.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 250.5pt; position: var(--position); top: 270pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dissolved in 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="employee" contextRef="c-3669" xsi:nil="true" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" id="f-7155"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 372pt; position: var(--position); top: 270pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3670" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7156">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 414.75pt; position: var(--position); top: 270pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3671" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7157">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3669" xsi:nil="true" name="ifrs-full:Revenue" id="f-7158"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 495pt; position: var(--position); top: 270pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3670" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7159">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 532.5pt; position: var(--position); top: 270pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3671" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7160">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3672" xsi:nil="true" name="ifrs-full:Assets" id="f-7161"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 615pt; position: var(--position); top: 270pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3673" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7162">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 660pt; position: var(--position); top: 270pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3674" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7163">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3669" xsi:nil="true" name="ifrs-full:ProfitLossBeforeTax" id="f-7164"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 738pt; position: var(--position); top: 270pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3670" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7165">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 771pt; position: var(--position); top: 270pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3671" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7166">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3669" xsi:nil="true" name="ifrs-full:IncomeTaxExpenseContinuingOperations" id="f-7167"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 837pt; position: var(--position); top: 270pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3670" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7168">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 870pt; position: var(--position); top: 270pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3671" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7169">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3669" xsi:nil="true" name="ifrs-full:IncomeTaxesPaidRefund" id="f-7170"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 936pt; position: var(--position); top: 270pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3670" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7171">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 20.25pt; left: 969pt; position: var(--position); top: 270pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.19pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3671" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7172">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 23.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 64.5pt; position: var(--position); top: 290.25pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Macau<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 132pt; position: var(--position); top: 290.25pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Payvision Macau Ltd.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 250.5pt; position: var(--position); top: 290.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.29pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Liquidated in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.09pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="employee" contextRef="c-3675" xsi:nil="true" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" id="f-7173"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 372pt; position: var(--position); top: 290.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3676" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7174">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 414.75pt; position: var(--position); top: 290.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3677" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7175">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3675" xsi:nil="true" name="ifrs-full:Revenue" id="f-7176"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 495pt; position: var(--position); top: 290.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3676" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7177">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 532.5pt; position: var(--position); top: 290.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3677" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7178">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3678" xsi:nil="true" name="ifrs-full:Assets" id="f-7179"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 615pt; position: var(--position); top: 290.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3679" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7180">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 660pt; position: var(--position); top: 290.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3680" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7181">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3675" xsi:nil="true" name="ifrs-full:ProfitLossBeforeTax" id="f-7182"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 738pt; position: var(--position); top: 290.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3676" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7183">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 771pt; position: var(--position); top: 290.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3677" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7184">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3675" xsi:nil="true" name="ifrs-full:IncomeTaxExpenseContinuingOperations" id="f-7185"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 837pt; position: var(--position); top: 290.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3676" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7186">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 870pt; position: var(--position); top: 290.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3677" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7187">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3675" xsi:nil="true" name="ifrs-full:IncomeTaxesPaidRefund" id="f-7188"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 936pt; position: var(--position); top: 290.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3676" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7189">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 969pt; position: var(--position); top: 290.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3677" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7190">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 23.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 64.5pt; position: var(--position); top: 313.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Indonesia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 132pt; position: var(--position); top: 313.5pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">PT ING Securities Indonesia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 250.5pt; position: var(--position); top: 313.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.29pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Liquidated in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.09pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022 <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="employee" contextRef="c-3681" xsi:nil="true" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" id="f-7191"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 372pt; position: var(--position); top: 313.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3682" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7192">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 414.75pt; position: var(--position); top: 313.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3683" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7193">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3681" xsi:nil="true" name="ifrs-full:Revenue" id="f-7194"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 495pt; position: var(--position); top: 313.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3682" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7195">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 532.5pt; position: var(--position); top: 313.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3683" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7196">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3684" xsi:nil="true" name="ifrs-full:Assets" id="f-7197"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 615pt; position: var(--position); top: 313.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3685" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7198">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 660pt; position: var(--position); top: 313.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3686" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7199">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3681" xsi:nil="true" name="ifrs-full:ProfitLossBeforeTax" id="f-7200"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 738pt; position: var(--position); top: 313.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3682" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7201">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 771pt; position: var(--position); top: 313.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3683" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7202">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3681" xsi:nil="true" name="ifrs-full:IncomeTaxExpenseContinuingOperations" id="f-7203"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 837pt; position: var(--position); top: 313.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3682" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7204">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 870pt; position: var(--position); top: 313.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3683" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7205">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3681" xsi:nil="true" name="ifrs-full:IncomeTaxesPaidRefund" id="f-7206"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 936pt; position: var(--position); top: 313.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3682" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7207">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 969pt; position: var(--position); top: 313.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 7.69pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3683" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7208">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 64.5pt; position: var(--position); top: 336.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Malaysia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 132pt; position: var(--position); top: 336.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Branch of ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 250.5pt; position: var(--position); top: 336.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closed in 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="employee" contextRef="c-3687" xsi:nil="true" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" id="f-7209"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372pt; position: var(--position); top: 336.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3688" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7210">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 336.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3689" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7211">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3687" xsi:nil="true" name="ifrs-full:Revenue" id="f-7212"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 495pt; position: var(--position); top: 336.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3688" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7213">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 532.5pt; position: var(--position); top: 336.75pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3689" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7214">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3690" xsi:nil="true" name="ifrs-full:Assets" id="f-7215"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 615pt; position: var(--position); top: 336.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3691" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7216">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 660pt; position: var(--position); top: 336.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3692" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7217">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3687" xsi:nil="true" name="ifrs-full:ProfitLossBeforeTax" id="f-7218"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 738pt; position: var(--position); top: 336.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3688" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7219">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 336.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.96pt;"></span></span><span style="left: 21.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3689" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7220">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3687" xsi:nil="true" name="ifrs-full:IncomeTaxExpenseContinuingOperations" id="f-7221"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 837pt; position: var(--position); top: 336.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3688" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7222">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 870pt; position: var(--position); top: 336.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3689" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7223">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 903pt; position: var(--position); top: 336.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3687" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7224">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 936pt; position: var(--position); top: 336.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3688" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7225">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 969pt; position: var(--position); top: 336.75pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3689" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7226">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 21.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 64.5pt; position: var(--position); top: 349.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Mauritius<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 132pt; position: var(--position); top: 349.5pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Mauritius Investment I<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 250.5pt; position: var(--position); top: 349.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.54pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Liquidated in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 12.34pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="employee" contextRef="c-3693" xsi:nil="true" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" id="f-7227"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 372pt; position: var(--position); top: 349.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3694" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7228">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 414.75pt; position: var(--position); top: 349.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3695" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7229">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3693" xsi:nil="true" name="ifrs-full:Revenue" id="f-7230"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 495pt; position: var(--position); top: 349.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3694" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7231">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 532.5pt; position: var(--position); top: 349.5pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3695" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7232">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3696" xsi:nil="true" name="ifrs-full:Assets" id="f-7233"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 615pt; position: var(--position); top: 349.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3697" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7234">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 660pt; position: var(--position); top: 349.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3698" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7235">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3693" xsi:nil="true" name="ifrs-full:ProfitLossBeforeTax" id="f-7236"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 738pt; position: var(--position); top: 349.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3694" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7237">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 771pt; position: var(--position); top: 349.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3695" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7238">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3693" xsi:nil="true" name="ifrs-full:IncomeTaxExpenseContinuingOperations" id="f-7239"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 837pt; position: var(--position); top: 349.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3694" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7240">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 870pt; position: var(--position); top: 349.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3695" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7241">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3693" xsi:nil="true" name="ifrs-full:IncomeTaxesPaidRefund" id="f-7242"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 936pt; position: var(--position); top: 349.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3694" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7243">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 21.75pt; left: 969pt; position: var(--position); top: 349.5pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 6.94pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3695" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7244">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 64.5pt; position: var(--position); top: 371.25pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Colombia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 132pt; position: var(--position); top: 371.25pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Capital Colombia S.A.S.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 250.5pt; position: var(--position); top: 371.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dissolved in 2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="employee" contextRef="c-3699" xsi:nil="true" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" id="f-7245"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 371.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-3700" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" scale="0" id="f-7246">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3699" xsi:nil="true" name="ifrs-full:Revenue" id="f-7247"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 532.5pt; position: var(--position); top: 371.25pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.81pt;"></span></span><span style="left: 29.439999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3700" decimals="-6" name="ifrs-full:Revenue" scale="6" id="f-7248">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 34.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3701" xsi:nil="true" name="ifrs-full:Assets" id="f-7249"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 660pt; position: var(--position); top: 371.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3702" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-7250">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3699" xsi:nil="true" name="ifrs-full:ProfitLossBeforeTax" id="f-7251"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 371.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3700" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7252">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3699" xsi:nil="true" name="ifrs-full:IncomeTaxExpenseContinuingOperations" id="f-7253"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 870pt; position: var(--position); top: 371.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3700" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7254">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3699" xsi:nil="true" name="ifrs-full:IncomeTaxesPaidRefund" id="f-7255"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 969pt; position: var(--position); top: 371.25pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.31pt;"></span></span><span style="left: 24.939999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3700" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7256">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 384pt; width: 64.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 64.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 329.25pt; position: var(--position); top: 384pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-1" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-7257">59,434</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 372pt; position: var(--position); top: 384pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-23" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-7258">57,569</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414.75pt; position: var(--position); top: 384pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-2587" decimals="0" name="ing:AverageNumberOfEmployeesOnFullTimeEquivalentBasis" format="ixt:num-dot-decimal" scale="0" id="f-7259">57,660</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 457.5pt; position: var(--position); top: 384pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.51pt;"></span></span><span style="left: 6.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-7260">18,121</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 495pt; position: var(--position); top: 384pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.51pt;"></span></span><span style="left: 6.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-7261">30,418</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 532.5pt; position: var(--position); top: 384pt; width: 37.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 37.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.51pt;"></span></span><span style="left: 6.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:Revenue" format="ixt:num-dot-decimal" scale="6" id="f-7262">20,093</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 34.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 570pt; position: var(--position); top: 384pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-7263">980,299</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 615pt; position: var(--position); top: 384pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-7264">976,834</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 660pt; position: var(--position); top: 384pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-7265">949,250</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 705pt; position: var(--position); top: 384pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.25pt;"></span></span><span style="left: 6.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-7266">6,037</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 738pt; overflow: hidden; position: var(--position); top: 384pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 2.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-7267">17,358</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 31.08pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 384pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.25pt;"></span></span><span style="left: 6.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-7268">8,385</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 804pt; position: var(--position); top: 384pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.25pt;"></span></span><span style="left: 6.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-7269">1,662</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 837pt; position: var(--position); top: 384pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.25pt;"></span></span><span style="left: 6.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-7270">5,130</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-right: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 870pt; position: var(--position); top: 384pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.25pt;"></span></span><span style="left: 6.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-7271">2,306</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-left: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 903pt; position: var(--position); top: 384pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.25pt;"></span></span><span style="left: 6.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" format="ixt:num-dot-decimal" scale="6" id="f-7272">2,700</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 936pt; position: var(--position); top: 384pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.25pt;"></span></span><span style="left: 6.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" format="ixt:num-dot-decimal" scale="6" id="f-7273">1,474</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 969pt; position: var(--position); top: 384pt; width: 33pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 33pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.25pt;"></span></span><span style="left: 6.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:IncomeTaxesPaidRefund" format="ixt:num-dot-decimal" scale="6" id="f-7274">1,873</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 30.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 466.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1 Includes significant number of FTEs in relation to global services provided.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 476.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">4 In 2022, ING exited from the retail banking markets in France and the Philippines.<span style="display: inline-block; height: 6pt;"></span></span></div></div></ix:continuation></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -294<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-6531-4"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The higher tax charge of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 151.39pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-429" decimals="2" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-7275">32</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 171.26pt; position: var(--position); text-decoration: none; white-space: pre;"> in the Netherlands (compared to the statutory rate of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 416.36pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-429" decimals="3" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-7276">25.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 444.27pt; position: var(--position); text-decoration: none; white-space: pre;">) is mainly caused <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by the non-deductible Dutch bank tax (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 235.23pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3703" decimals="-6" name="ifrs-full:TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" format="ixt:num-dot-decimal" scale="6" id="f-7277">189</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 284.55pt; position: var(--position); text-decoration: none; white-space: pre;">) and other non-deductible expenses.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The lower tax charge in Spain is caused by a tax refund (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 311.47pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-432" decimals="-6" sign="-" name="ifrs-full:IncomeTaxesPaidRefund" scale="6" id="f-7278">43</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 322.73pt; position: var(--position); text-decoration: none; white-space: pre;"> million) regarding previous years.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING continued reducing Russian-related exposure during 2023. In 2023, the local results on a stand-alone <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">basis were positively impacted by releases of loan loss provisions following improved macroeconomic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">indicators and decrease in exposures following sales and repayments. For further information, reference is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">made to Risk management.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 205.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The lower negative tax charge reported for ING T&#252;rkiye with respect to its loss is mainly caused by the non <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 217.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">deductibility for tax purposes of the accounting loss based on hyperinflation accounting.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 244.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The higher tax charge of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 151.39pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-911" decimals="2" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-7279">29</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 171.26pt; position: var(--position); text-decoration: none; white-space: pre;"> in the Netherlands (compared to the statutory rate of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 416.36pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-911" decimals="3" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-7280">25.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 444.27pt; position: var(--position); text-decoration: none; white-space: pre;">) is mainly caused <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 268.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by the non-deductible Dutch bank tax (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 235.23pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3704" decimals="-6" name="ifrs-full:TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" scale="6" id="f-7281">179</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 252.12pt; position: var(--position); text-decoration: none; white-space: pre;"> million) and the non-deductible impairments regarding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 280.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">goodwill ING T&#252;rkiye (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 156.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3705" decimals="-6" name="ifrs-full:OtherTaxEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome" scale="6" id="f-7282">32</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 168.01pt; position: var(--position); text-decoration: none; white-space: pre;"> million) and TTB (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 267.45pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3706" decimals="-6" name="ifrs-full:OtherTaxEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome" scale="6" id="f-7283">165</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 284.34000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> million).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The higher positive tax charge of T&#252;rkiye combined with its accounting loss based on hyperinflation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">accounting&#160; is mainly caused by the non deductibility of this loss for tax purposes.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Since the Russian invasion of Ukraine, our strategy is no new business with Russian clients, including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Russian-owned entities outside of Russia, and to get existing Russia-related credit exposures repaid as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">quickly as possible. These exposures are booked in various countries and totalled EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 422.80999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3707" decimals="-8" name="ifrs-full:MaximumExposureToCreditRisk" scale="9" id="f-7284">6.7</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 436.48pt; position: var(--position); text-decoration: none; white-space: pre;"> billion, published <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on 4 March 2022. Remaining at risk for ING Group at year-end 2022 is EUR<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 369.85pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 372.35pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3708" decimals="-8" name="ifrs-full:MaximumExposureToCreditRisk" scale="9" id="f-7285">0.3</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 386.02pt; position: var(--position); text-decoration: none; white-space: pre;"> billion local equity and EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3709" decimals="-8" name="ifrs-full:MaximumExposureToCreditRisk" scale="9" id="f-7286">2.5</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 53.64pt; position: var(--position); text-decoration: none; white-space: pre;"> billion credit exposures booked outside of Russia. In 2022, ING's results in connection with Russia-related <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">credit exposures declined significantly, as <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 227.55pt; position: var(--position); text-decoration: none; white-space: pre;">we recognised<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 292.1pt; position: var(--position); text-decoration: none; white-space: pre;"> EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 314.82000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3710" decimals="-8" name="ing:CreditExposureRecognizedThroughProfitAndLoss" scale="9" id="f-7287">0.5</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 328.49pt; position: var(--position); text-decoration: none; white-space: pre;"> billion risk costs related to these exposures. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The local results on a standalone basis were higher compared to 2021. This was driven by the high local <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest-rate environment and increased rouble inflow from existing, predominantly non-Russian, clients. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Under local law and banking regulations, ING Russia must accept these rouble inflows. Furthermore, the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">local result before tax expressed in EUR (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 240.92pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3710" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-7288">128</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 257.81pt; position: var(--position); text-decoration: none; white-space: pre;"> million) was positively impacted by the appreciation of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">rouble against the euro for an amount of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 245.87pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3710" decimals="-6" name="ifrs-full:ForeignExchangeGain" scale="6" id="f-7289">80</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 257.13pt; position: var(--position); text-decoration: none; white-space: pre;"> million throughout 2022. Going forward, we will continue <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to actively reduce our Russia-related credit exposure.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The higher tax charge in Poland is mainly caused by non-deductible regulatory and other costs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 544.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The higher tax charge of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 151.39pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3251" decimals="2" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-7290">31</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 171.26pt; position: var(--position); text-decoration: none; white-space: pre;"> in the Netherlands (compared to the statutory rate of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 416.36pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3251" decimals="2" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-7291">25</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 436.23pt; position: var(--position); text-decoration: none; white-space: pre;">) is mainly caused <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">by the non-deductible Dutch bank tax (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 750.28pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3711" decimals="-6" name="ifrs-full:TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" scale="6" id="f-7292">260</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 767.17pt; position: var(--position); text-decoration: none; white-space: pre;"> million) and the impairments on deferred tax assets <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regarding Payvision and Yolt (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 708.0899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3712" decimals="-6" name="ifrs-full:OtherTaxEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome" scale="6" id="f-7293">26</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 719.35pt; position: var(--position); text-decoration: none; white-space: pre;"> million tax).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The lower tax charge in Austria is caused by previously not recognised tax losses (EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 940.4300000000001pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3713" decimals="-6" sign="-" name="ifrs-full:OtherTaxEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome" scale="6" id="f-7294">10</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 955.42pt; position: var(--position); text-decoration: none; white-space: pre;"> million tax).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The higher tax charge in Poland is mainly caused by non-deductible regulatory- and other costs.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 147.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_280"></div><div style="line-height: 16pt; position: var(--position); top: 147.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Additional notes to the Consolidated financial statements<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 185.11pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInformationThatEnablesUsersOfFinancialStatementsToEvaluateChangesInLiabilitiesArisingFromFinancingActivitiesExplanatory" id="f-7295" continuedAt="f-7295-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">32&#160;  Changes in liabilities arising from financing activities<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-7295-1" continuedAt="f-7295-2"><div style="position: var(--position); top: 201.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfReconciliationOfLiabilitiesArisingFromFinancingActivitiesExplanatory" id="f-7296" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 142.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 38.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in liabilities arising from financing activities<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 142.5pt; position: var(--position); top: 14.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.07pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 62.66pt; position: var(--position); text-decoration: none; white-space: pre;">issue<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 228pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.15pt; position: var(--position); text-decoration: none; white-space: pre;">Subordinated Loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 318pt; position: var(--position); top: 14.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.57pt; position: var(--position); text-decoration: none; white-space: pre;">Lease liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 394.5pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.24pt; position: var(--position); text-decoration: none; white-space: pre;">Total Liabilities from <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.51pt; position: var(--position); text-decoration: none; white-space: pre;">financing activities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 38.25pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 142.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 142.5pt; position: var(--position); top: 38.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 185.25pt; position: var(--position); top: 38.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 228pt; position: var(--position); top: 38.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #ff6200; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.13pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273pt; position: var(--position); top: 38.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #ff6200; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.13pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 318pt; position: var(--position); top: 38.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 38.25pt;"><span style="color: #ff6200; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.38pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 356.25pt; position: var(--position); top: 38.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 38.25pt;"><span style="color: #ff6200; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.38pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 38.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #ff6200; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.13pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 38.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #ff6200; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.13pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 52.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.66pt;"></span></span><span style="left: 12.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3714" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7297">95,918</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 52.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.66pt;"></span></span><span style="left: 12.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3715" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7298">91,784</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 228pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3716" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7299">15,786</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 273pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3717" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7300">16,715</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 318pt; position: var(--position); top: 52.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.22pt;"></span></span><span style="left: 12.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3718" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7301">1,174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 52.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.22pt;"></span></span><span style="left: 12.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3719" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7302">1,220</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7303">112,878</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7304">109,719</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cashflows:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Additions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 78pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 4.6pt;"></span></span><span style="left: 7.2299999999999995pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3720" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7305">116,436</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 78pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.66pt;"></span></span><span style="left: 12.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3721" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7306">92,707</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 228pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3722" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7307">2,225</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 273pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3723" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7308">983</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7309">118,661</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7310">93,690</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Redemptions / Disposals<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 90.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.31pt;"></span></span><span style="left: 8.94pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3720" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughRedemptionsOrDisposalsLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7311">90,574</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 90.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.31pt;"></span></span><span style="left: 8.94pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3721" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughRedemptionsOrDisposalsLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7312">82,844</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 228pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3722" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughRedemptionsOrDisposalsLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7313">2,894</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 273pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3723" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughRedemptionsOrDisposalsLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7314">1,090</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 318pt; position: var(--position); top: 90.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.09pt;"></span></span><span style="left: 16.72pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3724" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughRedemptionsOrDisposalsLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7315">291</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 90.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.09pt;"></span></span><span style="left: 16.72pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3725" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughRedemptionsOrDisposalsLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7316">296</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.56pt;"></span></span><span style="left: 11.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughRedemptionsOrDisposalsLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7317">93,758</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.56pt;"></span></span><span style="left: 11.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ing:IncreaseDecreaseThroughRedemptionsOrDisposalsLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7318">84,230</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 103.5pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non cash changes:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 116.25pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amortisation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 116.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3720" decimals="-6" name="ing:IncreaseDecreaseThroughAmortisationLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7319">764</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 116.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3721" decimals="-6" name="ing:IncreaseDecreaseThroughAmortisationLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7320">312</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 228pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3722" decimals="-6" name="ing:IncreaseDecreaseThroughAmortisationLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7321">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 273pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3723" decimals="-6" name="ing:IncreaseDecreaseThroughAmortisationLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7322">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 318pt; position: var(--position); top: 116.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.5pt;"></span></span><span style="left: 25.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3724" decimals="-6" name="ing:IncreaseDecreaseThroughAmortisationLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7323">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 116.25pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.5pt;"></span></span><span style="left: 25.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3725" decimals="-6" name="ing:IncreaseDecreaseThroughAmortisationLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7324">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:IncreaseDecreaseThroughAmortisationLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7325">826</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:IncreaseDecreaseThroughAmortisationLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7326">357</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 129pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 129pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3720" decimals="-6" name="ing:IncreaseDecreaseThroughTransferAssetOrLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7327">502</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 129pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27pt;"></span></span><span style="left: 29.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3721" decimals="-6" name="ing:IncreaseDecreaseThroughTransferAssetOrLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7328">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 228pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3722" decimals="-6" name="ing:IncreaseDecreaseThroughTransferAssetOrLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7329">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 273pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3723" decimals="-6" name="ing:IncreaseDecreaseThroughTransferAssetOrLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7330">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 318pt; position: var(--position); top: 129pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.44pt;"></span></span><span style="left: 20.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3724" decimals="-6" name="ing:IncreaseDecreaseThroughTransferAssetOrLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7331">256</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 129pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.44pt;"></span></span><span style="left: 20.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3725" decimals="-6" name="ing:IncreaseDecreaseThroughTransferAssetOrLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7332">239</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:IncreaseDecreaseThroughTransferAssetOrLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7333">769</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:IncreaseDecreaseThroughTransferAssetOrLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7334">285</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 141.75pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in unrealised <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">revaluations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 142.5pt; position: var(--position); top: 141.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.72pt;"></span></span><span style="left: 17.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3720" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7335">2,680</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 185.25pt; position: var(--position); top: 141.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.37pt;"></span></span><span style="left: 14pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3721" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7336">7,658</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 228pt; position: var(--position); top: 141.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3722" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7337">473</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 273pt; position: var(--position); top: 141.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3723" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7338">1,470</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 394.5pt; position: var(--position); top: 141.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7339">3,153</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 439.5pt; position: var(--position); top: 141.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7340">9,127</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 165.75pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Foreign exchange movement<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 165.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.37pt;"></span></span><span style="left: 14pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3720" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7341">1,057</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 165.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.72pt;"></span></span><span style="left: 17.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3721" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7342">1,577</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 228pt; position: var(--position); top: 165.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3722" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7343">235</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 273pt; position: var(--position); top: 165.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3723" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7344">611</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 318pt; position: var(--position); top: 165.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.21pt;"></span></span><span style="left: 26.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3724" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7345">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 165.75pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.21pt;"></span></span><span style="left: 26.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3725" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities" scale="6" id="f-7346">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 165.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7347">1,296</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 165.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7348">2,185</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 178.5pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 178.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 3.52pt;"></span></span><span style="left: 6.15pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3726" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7349">124,670</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 185.25pt; position: var(--position); top: 178.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.76pt;"></span></span><span style="left: 11.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3714" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7350">95,918</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 228pt; position: var(--position); top: 178.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3727" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7351">15,401</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 273pt; position: var(--position); top: 178.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3716" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7352">15,786</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 318pt; position: var(--position); top: 178.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.5pt;"></span></span><span style="left: 12.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3728" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7353">1,162</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 35.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 356.25pt; position: var(--position); top: 178.5pt; width: 38.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 38.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.5pt;"></span></span><span style="left: 12.129999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3718" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7354">1,174</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 35.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 178.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7355">141,233</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 178.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LiabilitiesArisingFromFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-7356">112,878</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 413.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Part of Debt securities in issue and subordinated loans are subject to fair value hedge accounting. Hence, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 425.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">changes in unrealised revaluations represent fair value adjustments to the hedged item attributable to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 437.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hedged interest rate risk. Reference is made to the paragraph 'fair value hedge accounting' in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 975.01pt; position: var(--position); text-decoration: none; white-space: pre;">Note 36 <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 449.16pt; width: 1080pt;"><ix:continuation id="f-7295-2" continuedAt="f-7295-3"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">'Derivatives and hedge accounting'<span style="display: inline-block; height: 7.5pt;"></span></span></ix:continuation><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 711.55pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-7295-3">.</ix:continuation> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 476.16pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_292"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 476.16pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfEmployeeBenefitsExplanatory" id="f-7357" continuedAt="f-7357-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">33&#160;  Pensions and other post-employment benefits<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-7357-1" continuedAt="f-7357-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Most group companies sponsor defined contribution pension plans. The assets of all ING Group&#8217;s defined <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 509.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contribution plans are held in independently administered funds. Contributions, including the defined <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 521.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contribution plan in the Netherlands, are principally determined as a percentage of remuneration. These <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 533.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">plans do not give rise to provisions in the statement of financial position, other than relating to short-term <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 545.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">timing differences included in other assets and in other liabilities.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -295<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-7357-2" continuedAt="f-7357-3"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> maintains defined benefit retirement plans in some countries. These plans provide benefits that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are related to the remuneration and service of employees upon retirement. The benefits in some of these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">plans are subject to various forms of indexation. The indexation is, in some cases, at the discretion of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">management; in other cases it is dependent upon the sufficiency of plan assets.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Annual contributions are paid to the funds at a rate necessary to adequately finance the accrued liabilities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the plans calculated in accordance with local legal requirements. Plans in all countries are designed to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">comply with applicable local regulations governing investments and funding levels.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> provides other post-employment benefits to certain former employees. These post-employment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">benefits are primarily discounts on ING products.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 217.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Defined contribution plans<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 186.66pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 232.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING, as part of the labour agreements with its employees, sponsors a number of defined contribution plans. <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 246.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s obligation is limited to contributions which are agreed in advance and also includes employee <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 258.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">contributions. The most significant plans are in the Netherlands and Belgium. The employer's contribution is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 270.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">recognised as an expense which amounted for <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 251.03pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 273.55pt; position: var(--position); text-decoration: none; white-space: pre;"> EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.27pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" format="ixt:num-dot-decimal" scale="6" id="f-7358">391</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 345.59000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 351.27pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 373.78999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 398.91999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" format="ixt:num-dot-decimal" scale="6" id="f-7359">364</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 448.24pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 299.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Defined benefit retirement plans<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 314.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Statement of financial position - Net defined benefit asset/liability<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 328.51pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory" id="f-7360" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 215.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Plan assets and defined benefit obligation per country<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 26.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 215.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 42.56pt; position: var(--position); text-decoration: none; white-space: pre;">Plan assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 305.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.95pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.88pt; position: var(--position); text-decoration: none; white-space: pre;">Defined benefit <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 15.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 47.26pt; position: var(--position); text-decoration: none; white-space: pre;">obligation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.72pt; position: var(--position); text-decoration: none; white-space: pre;">Funded Status<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 40.5pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 215.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 54.75pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">The Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 54.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="f-7361">331</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 54.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="f-7362">310</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 54.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="f-7363">426</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 54.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="f-7364">400</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 54.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-280" decimals="-6" sign="-" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-7365">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 54.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-281" decimals="-6" sign="-" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-7366">90</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 67.5pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">United States<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3729" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="f-7367">257</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3730" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="f-7368">248</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3729" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="f-7369">245</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3730" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="f-7370">230</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3729" decimals="-6" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-7371">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 67.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3730" decimals="-6" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-7372">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 80.25pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">United Kingdom<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-330" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-7373">1,257</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-331" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-7374">1,277</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-330" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="f-7375">790</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-331" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="f-7376">750</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-330" decimals="-6" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-7377">467</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 80.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-331" decimals="-6" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-7378">527</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 93pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-290" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="f-7379">516</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-291" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="f-7380">507</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-290" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="f-7381">473</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-291" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="f-7382">475</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-290" decimals="-6" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-7383">43</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-291" decimals="-6" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-7384">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 105.75pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other countries<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3731" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="f-7385">317</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3732" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" scale="6" id="f-7386">295</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3731" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="f-7387">353</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3732" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" scale="6" id="f-7388">305</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3731" decimals="-6" sign="-" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-7389">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 105.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3732" decimals="-6" sign="-" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-7390">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 118.5pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Funded status (Net defined benefit asset/liability)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 118.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-7391">2,678</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 118.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-7392">2,637</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 118.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-7393">2,288</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 118.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DefinedBenefitObligationAtPresentValue" format="ixt:num-dot-decimal" scale="6" id="f-7394">2,159</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 118.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-7395">390</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 118.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-7396">478</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 144pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Presented as:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 156.75pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Other assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 156.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:RecognisedAssetsDefinedBenefitPlan" scale="6" id="f-7397">554</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 156.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:RecognisedAssetsDefinedBenefitPlan" scale="6" id="f-7398">617</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 169.5pt; width: 215.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 215.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Other liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 169.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:RecognisedLiabilitiesDefinedBenefitPlan" scale="6" id="f-7399">164</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 169.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:RecognisedLiabilitiesDefinedBenefitPlan" scale="6" id="f-7400">139</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 182.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-7401">390</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 182.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:SurplusDeficitInPlan" scale="6" id="f-7402">478</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The most recent (actuarial) valuations of the plan assets and the present value of the defined benefit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 555.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">obligation were carried out as at 31&#160;December 2023. The present value of the defined benefit obligation, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the related current service cost and past service cost, were determined using the projected unit credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">method.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFairValueOfPlanAssetsExplanatory" id="f-7403" continuedAt="f-7403-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in the fair value of plan assets for the period were as follows:<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 866.0699999999999pt; position: var(--position); text-decoration: none; white-space: pre;">:<span style="display: inline-block; height: 7.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-7403-1"><div style="position: var(--position); top: 130.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in fair value of plan assets<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance as at 1 January<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3733" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-7404">2,637</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3734" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-7405">3,671</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 42.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3735" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-7406">115</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 42.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3736" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-7407">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remeasurements: Return on plan assets excluding amounts included in interest income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 57pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3735" decimals="-6" sign="-" name="ing:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetAfterNetInterestIncome" scale="6" id="f-7408">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 57pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3736" decimals="-6" sign="-" name="ing:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAssetAfterNetInterestIncome" scale="6" id="f-7409">947</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Employer's contribution<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 71.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3735" decimals="-6" sign="-" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="f-7410">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 71.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3736" decimals="-6" sign="-" name="ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" scale="6" id="f-7411">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Participants contributions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3735" decimals="INF" sign="-" name="ifrs-full:ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7412">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3736" decimals="-6" sign="-" name="ifrs-full:ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7413">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Benefits paid<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 99.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3735" decimals="-6" name="ifrs-full:BenefitsPaidOrPayable" scale="6" id="f-7414">119</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 99.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3736" decimals="-6" name="ifrs-full:BenefitsPaidOrPayable" scale="6" id="f-7415">126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 114pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3735" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-7416">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 114pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3736" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-7417">53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 128.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3737" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-7418">2,678</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3733" decimals="-6" name="ifrs-full:PlanAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-7419">2,637</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 13.5pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 156pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Actual return on the plan assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 156pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3735" decimals="-6" name="ifrs-full:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7420">107</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 156pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.17pt;"></span></span><span style="left: 22.8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3736" decimals="-6" sign="-" name="ifrs-full:ReturnOnPlanAssetsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7421">894</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 321.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As at 31&#160;December 2023 the defined benefit plans did not hold any direct investments in ING Groep N.V.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 333.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(2022: nil).<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 601.66pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 604.16pt; position: var(--position); text-decoration: none; white-space: pre;">During 2023 and 2022 there were no purchases or sales of assets between ING and the pension <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 345.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">funds. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING does not manage the pension funds and thus receives no compensation for fund management. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 384.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">pension funds have not engaged ING in any swap or derivative transactions to manage the risk of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 396.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">pension funds. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">No plan assets are expected to be returned to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 762.0699999999999pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 807.56pt; position: var(--position); text-decoration: none; white-space: pre;"> during 2024.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -296<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-7357-3" continuedAt="f-7357-4"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in the present value of the defined benefit obligation and other post-employment benefits for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">period were as follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 88.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfAdditionalInformationAboutDefinedBenefitPlansExplanatory" id="f-7422" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 288pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="5" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 483pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in defined benefit obligation and other post-employment benefits<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 288pt; position: var(--position); top: 14.25pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.38pt; position: var(--position); text-decoration: none; white-space: pre;">Defined benefit <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 54.76pt; position: var(--position); text-decoration: none; white-space: pre;">obligation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 385.5pt; position: var(--position); top: 14.25pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 48.93pt; position: var(--position); text-decoration: none; white-space: pre;">Other post-<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.03pt; position: var(--position); text-decoration: none; white-space: pre;">employment benefits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 38.25pt; width: 288pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 288pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 288pt; position: var(--position); top: 38.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336.75pt; position: var(--position); top: 38.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 385.5pt; position: var(--position); top: 38.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 434.25pt; position: var(--position); top: 38.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 288pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 288pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance as at 1 January<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 288pt; position: var(--position); top: 52.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3738" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-7423">2,159</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 336.75pt; position: var(--position); top: 52.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3739" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-7424">3,115</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 385.5pt; position: var(--position); top: 52.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3740" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-7425">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 434.25pt; position: var(--position); top: 52.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3741" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-7426">72</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 288pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 288pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Current service cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 288pt; position: var(--position); top: 65.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3742" decimals="-6" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7427">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 336.75pt; position: var(--position); top: 65.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3743" decimals="-6" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7428">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 385.5pt; position: var(--position); top: 65.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3744" decimals="-6" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7429">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 434.25pt; position: var(--position); top: 65.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3745" decimals="-6" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7430">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 288pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 288pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 288pt; position: var(--position); top: 78pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3742" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-7431">92</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 336.75pt; position: var(--position); top: 78pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3743" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-7432">46</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 385.5pt; position: var(--position); top: 78pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3744" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-7433">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 434.25pt; position: var(--position); top: 78pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3745" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-7434">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 90.75pt; width: 288pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 288pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remeasurements: Actuarial gains and losses arising from changes in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 288pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">demographic assumptions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 288pt; position: var(--position); top: 90.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.71pt;"></span></span><span style="left: 37.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3742" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7435">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 336.75pt; position: var(--position); top: 90.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.12pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 385.5pt; position: var(--position); top: 90.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.12pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 434.25pt; position: var(--position); top: 90.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.12pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 114.75pt; width: 288pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 288pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remeasurements: Actuarial gains and losses arising from changes in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 288pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">financial assumptions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 288pt; position: var(--position); top: 114.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.94pt;"></span></span><span style="left: 30.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7436">127</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 336.75pt; position: var(--position); top: 114.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.59pt;"></span></span><span style="left: 27.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3743" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7437">882</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 385.5pt; position: var(--position); top: 114.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3744" decimals="-6" sign="-" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7438">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 434.25pt; position: var(--position); top: 114.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.65pt;"></span></span><span style="left: 32.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3745" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7439">45</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 138.75pt; width: 288pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 288pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Participants&#8217; contributions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 288pt; position: var(--position); top: 138.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3742" decimals="-6" name="ifrs-full:ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7440">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 336.75pt; position: var(--position); top: 138.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3743" decimals="-6" name="ifrs-full:ContributionsToPlanByPlanParticipantsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7441">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 385.5pt; position: var(--position); top: 138.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.12pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 434.25pt; position: var(--position); top: 138.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.12pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 151.5pt; width: 288pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 288pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Benefits paid<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 288pt; position: var(--position); top: 151.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.59pt;"></span></span><span style="left: 27.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3742" decimals="-6" name="ifrs-full:BenefitsPaidOrPayable" scale="6" id="f-7442">123</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 336.75pt; position: var(--position); top: 151.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.59pt;"></span></span><span style="left: 27.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3743" decimals="-6" name="ifrs-full:BenefitsPaidOrPayable" scale="6" id="f-7443">129</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 385.5pt; position: var(--position); top: 151.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.71pt;"></span></span><span style="left: 37.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3744" decimals="-6" name="ifrs-full:BenefitsPaidOrPayable" scale="6" id="f-7444">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 434.25pt; position: var(--position); top: 151.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.71pt;"></span></span><span style="left: 37.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3745" decimals="-6" name="ifrs-full:BenefitsPaidOrPayable" scale="6" id="f-7445">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 164.25pt; width: 288pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 288pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Past service cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 288pt; position: var(--position); top: 164.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3742" decimals="-6" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7446">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 336.75pt; position: var(--position); top: 164.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.12pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 385.5pt; position: var(--position); top: 164.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.12pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 434.25pt; position: var(--position); top: 164.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.71pt;"></span></span><span style="left: 37.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3745" decimals="-6" sign="-" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7447">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 177pt; width: 288pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 288pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Effect of curtailment or settlement<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 288pt; position: var(--position); top: 177pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.12pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 336.75pt; position: var(--position); top: 177pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.12pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 385.5pt; position: var(--position); top: 177pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.12pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 434.25pt; position: var(--position); top: 177pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.12pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 189.75pt; width: 288pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 288pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 288pt; position: var(--position); top: 189.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33pt;"></span></span><span style="left: 35.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3742" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-7448">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 336.75pt; position: var(--position); top: 189.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.65pt;"></span></span><span style="left: 32.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3743" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-7449">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 385.5pt; position: var(--position); top: 189.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.71pt;"></span></span><span style="left: 37.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3744" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-7450">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 434.25pt; position: var(--position); top: 189.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3745" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughChangesInForeignExchangeRatesNetDefinedBenefitLiabilityAsset" scale="6" id="f-7451">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 202.5pt; width: 288pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 288pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 288pt; position: var(--position); top: 202.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3746" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-7452">2,288</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 336.75pt; position: var(--position); top: 202.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3738" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-7453">2,159</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 385.5pt; position: var(--position); top: 202.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.64pt;"></span></span><span style="left: 35.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3747" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-7454">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 434.25pt; position: var(--position); top: 202.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.64pt;"></span></span><span style="left: 35.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3740" decimals="-6" name="ifrs-full:LiabilityAssetOfDefinedBenefitPlans" scale="6" id="f-7455">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 324.16pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfAmountsRecognisedDirectlyInOtherComprehensiveIncomeEquityExplanatoryTableTextBlock" id="f-7456" continuedAt="f-7456-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts recognised directly in Other comprehensive income were as follows:<span style="display: inline-block; height: 7.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-7456-1"><div style="position: var(--position); top: 336.16pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in the net defined benefit assets/liability remeasurement reserve<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance as at 1 January<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-7457">232</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-7458">212</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remeasurement of plan assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="f-7459">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" scale="6" id="f-7460">947</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Actuarial gains and losses arising from changes in demographic assumptions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7461">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7462">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Actuarial gains and losses arising from changes in financial assumptions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7463">127</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7464">882</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 90.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation and Exchange rate differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:IncreaseDecreaseThroughChangesInTaxationNetDefinedBenefitLiabilityAsset" scale="6" id="f-7465">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:IncreaseDecreaseThroughChangesInTaxationNetDefinedBenefitLiabilityAsset" scale="6" id="f-7466">46</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 105pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total Other comprehensive income movement for the year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 105pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.41pt;"></span></span><span style="left: 28.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-7467">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 105pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.41pt;"></span></span><span style="left: 28.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-7468">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 130.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 130.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.17pt;"></span></span><span style="left: 22.8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-7469">317</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 130.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.17pt;"></span></span><span style="left: 22.8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-7470">232</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 499.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 98.44999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7471">8</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 140.24pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 193.57pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7472">947</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 246.62pt; position: var(--position); text-decoration: none; white-space: pre;">) remeasurements of plan assets, that is recognised as a loss <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 511.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in other comprehensive income, is driven by yield changes on investments.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 538.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 78.99000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7473">127</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 128.31pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 181.64pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7474">882</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 230.96pt; position: var(--position); text-decoration: none; white-space: pre;">) actuarial gains arising from changes in financial assumptions in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 550.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the calculation of the defined benefit obligation are mainly due to an increase in interest yield curves.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The accumulated amount of remeasurements recognised directly in Other comprehensive income is EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ing:ReserveOfRemeasurementsOfDefinedBenefitPlansBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-7475">397</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 608.0699999999999pt; position: var(--position); text-decoration: none; white-space: pre;">(EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 631.47pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-7476">317</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 684.52pt; position: var(--position); text-decoration: none; white-space: pre;"> after tax) as at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 755.31pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 840.1099999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 845.79pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 868.31pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 893.44pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="ing:ReserveOfRemeasurementsOfDefinedBenefitPlansBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-7477">289</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 946.49pt; position: var(--position); text-decoration: none; white-space: pre;">; EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 971.62pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="ifrs-full:ReserveOfRemeasurementsOfDefinedBenefitPlans" format="ixt:num-dot-decimal" scale="6" id="f-7478">232</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1024.67pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">after tax).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts recognised in the statement of profit or loss related to pension and other staff-related benefits are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 139.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDefinedBenefitPlansExplanatory" id="f-7479" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 168pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 35.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 35.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 35.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 35.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 35.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 35.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 35.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 35.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 35.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="10" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Pension and other staff-related benefit costs<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 27.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27.75pt; left: 168pt; position: var(--position); top: 14.25pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.54pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.68pt; position: var(--position); text-decoration: none; white-space: pre;">Net defined benefit <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 15.34pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 50.07pt; position: var(--position); text-decoration: none; white-space: pre;">asset/liability<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27.75pt; left: 273.75pt; position: var(--position); top: 14.25pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.54pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.9pt; position: var(--position); text-decoration: none; white-space: pre;">Other post-employment <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 15.34pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 70.81pt; position: var(--position); text-decoration: none; white-space: pre;">benefits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 27.75pt; left: 379.5pt; position: var(--position); top: 14.25pt; width: 105.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.94pt; width: 105.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 83.05pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42pt; width: 168pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 168pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 168pt; position: var(--position); top: 42pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 203.25pt; position: var(--position); top: 42pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 238.5pt; position: var(--position); top: 42pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 42pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 42pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 42pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 42pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 42pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 42pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.66pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 56.25pt; width: 168pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 168pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Current service cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 168pt; position: var(--position); top: 56.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3748" decimals="-6" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7480">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 203.25pt; position: var(--position); top: 56.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3749" decimals="-6" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7481">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 238.5pt; position: var(--position); top: 56.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3750" decimals="-6" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7482">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 56.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.56pt;"></span></span><span style="left: 27.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3751" decimals="-6" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7483">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 56.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.56pt;"></span></span><span style="left: 27.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3752" decimals="-6" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7484">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 56.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.56pt;"></span></span><span style="left: 27.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3753" decimals="-6" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7485">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 56.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7486">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 56.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7487">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 56.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:CurrentServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7488">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 70.5pt; width: 168pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 168pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Past service cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 168pt; position: var(--position); top: 70.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.56pt;"></span></span><span style="left: 27.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3748" decimals="-6" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7489">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 203.25pt; position: var(--position); top: 70.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.62pt;"></span></span><span style="left: 32.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 238.5pt; position: var(--position); top: 70.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.62pt;"></span></span><span style="left: 32.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 70.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.62pt;"></span></span><span style="left: 32.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 70.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.21pt;"></span></span><span style="left: 23.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3754" decimals="-6" sign="-" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7490">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 70.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.62pt;"></span></span><span style="left: 32.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 70.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.56pt;"></span></span><span style="left: 27.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PastServiceCostNetDefinedBenefitLiabilityAsset" scale="6" id="f-7491">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 70.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.62pt;"></span></span><span style="left: 32.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 70.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.62pt;"></span></span><span style="left: 32.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84.75pt; width: 168pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 168pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net Interest cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 168pt; position: var(--position); top: 84.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.15pt;"></span></span><span style="left: 18.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3748" decimals="-6" sign="-" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-7492">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 203.25pt; position: var(--position); top: 84.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.21pt;"></span></span><span style="left: 23.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3749" decimals="-6" sign="-" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-7493">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 238.5pt; position: var(--position); top: 84.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.21pt;"></span></span><span style="left: 23.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3750" decimals="-6" sign="-" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-7494">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 84.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.56pt;"></span></span><span style="left: 27.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3755" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-7495">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 84.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.56pt;"></span></span><span style="left: 27.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3754" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-7496">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 84.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.56pt;"></span></span><span style="left: 27.189999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3756" decimals="-6" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-7497">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 84.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.15pt;"></span></span><span style="left: 18.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-7498">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 84.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.21pt;"></span></span><span style="left: 23.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-7499">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 84.75pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.21pt;"></span></span><span style="left: 23.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:InterestExpenseIncomeNetDefinedBenefitLiabilityAsset" scale="6" id="f-7500">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99pt; width: 168pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 168pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Effect of curtailment or settlement<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 168pt; position: var(--position); top: 99pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.62pt;"></span></span><span style="left: 32.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 203.25pt; position: var(--position); top: 99pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.62pt;"></span></span><span style="left: 32.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 238.5pt; position: var(--position); top: 99pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.62pt;"></span></span><span style="left: 32.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 99pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.62pt;"></span></span><span style="left: 32.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 99pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.62pt;"></span></span><span style="left: 32.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 99pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.21pt;"></span></span><span style="left: 23.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3756" decimals="-6" name="ifrs-full:GainsLossesArisingFromSettlementsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7501">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 99pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.62pt;"></span></span><span style="left: 32.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 99pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.62pt;"></span></span><span style="left: 32.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 99pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.21pt;"></span></span><span style="left: 23.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:GainsLossesArisingFromSettlementsNetDefinedBenefitLiabilityAsset" scale="6" id="f-7502">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 113.25pt; width: 168pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 168pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Defined benefit plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 168pt; position: var(--position); top: 113.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.38pt;"></span></span><span style="left: 27.009999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3748" decimals="-6" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAsset" scale="6" id="f-7503">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 203.25pt; position: var(--position); top: 113.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.14pt;"></span></span><span style="left: 21.77pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3749" decimals="-6" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAsset" scale="6" id="f-7504">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 238.5pt; position: var(--position); top: 113.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.14pt;"></span></span><span style="left: 21.77pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3750" decimals="-6" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAsset" scale="6" id="f-7505">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 273.75pt; position: var(--position); top: 113.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.38pt;"></span></span><span style="left: 27.009999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3755" decimals="-6" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAsset" scale="6" id="f-7506">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 113.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.38pt;"></span></span><span style="left: 27.009999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3754" decimals="-6" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAsset" scale="6" id="f-7507">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 113.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.38pt;"></span></span><span style="left: 27.009999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3756" decimals="-6" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAsset" scale="6" id="f-7508">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 113.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.38pt;"></span></span><span style="left: 27.009999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAsset" scale="6" id="f-7509">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 113.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.14pt;"></span></span><span style="left: 21.77pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAsset" scale="6" id="f-7510">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 113.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.14pt;"></span></span><span style="left: 21.77pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:IncreaseDecreaseInNetDefinedBenefitLiabilityAsset" scale="6" id="f-7511">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 32.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 13.5pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 141pt; width: 168pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 168pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Defined contribution plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 141pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.44pt;"></span></span><span style="left: 17.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-7512">391</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 141pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.44pt;"></span></span><span style="left: 17.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-7513">364</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 141pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.44pt;"></span></span><span style="left: 17.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:PostemploymentBenefitExpenseDefinedContributionPlans" scale="6" id="f-7514">369</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 155.25pt; width: 168pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 168pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Pension and other post employment <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 168pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">benefits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 379.5pt; position: var(--position); top: 155.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:PensionAndOtherPostEmploymentBenefitsDefinedContributionPlans" scale="6" id="f-7515">399</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 414.75pt; position: var(--position); top: 155.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:PensionAndOtherPostEmploymentBenefitsDefinedContributionPlans" scale="6" id="f-7516">392</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 450pt; position: var(--position); top: 155.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:PensionAndOtherPostEmploymentBenefitsDefinedContributionPlans" scale="6" id="f-7517">397</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 179.25pt; width: 168pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 168pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other staff related benefits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 179.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:OtherStaffRelatedBenefitsDefinedContributionPlans" scale="6" id="f-7518">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 179.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.21pt;"></span></span><span style="left: 23.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ing:OtherStaffRelatedBenefitsDefinedContributionPlans" scale="6" id="f-7519">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 179.25pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.5pt;"></span></span><span style="left: 22.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:OtherStaffRelatedBenefitsDefinedContributionPlans" scale="6" id="f-7520">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 193.5pt; width: 168pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 168pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Pension and other staff-related benefits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 379.5pt; position: var(--position); top: 193.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:PensionCostsAndOtherStaffRelatedBenefitCosts" scale="6" id="f-7521">418</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 193.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:PensionCostsAndOtherStaffRelatedBenefitCosts" scale="6" id="f-7522">390</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 193.5pt; width: 35.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 35.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.9pt;"></span></span><span style="left: 16.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:PensionCostsAndOtherStaffRelatedBenefitCosts" scale="6" id="f-7523">408</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 367.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Determination of the net defined benefit asset/liability<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The net defined benefit asset/liability is reviewed and adjusted annually. The assumptions used in the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 396.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">determination of the net defined benefit asset/liability and the Other post-employment benefits include <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 408.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">discount rates, mortality rates, expected rates of salary increases (excluding promotion increases), and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 420.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">indexation. The rates used for salary developments, interest discount factors, and other adjustments reflect <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">country-specific conditions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The key assumption in the determination of the net defined benefit asset/liability is the discount rate. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">discount rate is the weighted average of the discount rates that are applied in different regions where ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Group has defined benefit pension plans (weighted by the defined benefit obligation). The discount rate is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">based on a methodology that uses market yields on high quality corporate bonds of the specific regions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with durations matching the pension liabilities as key input. Market yields of high quality corporate bonds <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reflect the yield on corporate bonds with an AA rating for durations where such yields are available. An <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">extrapolation is applied in order to determine the yield to the longer durations for which no AA-rated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">corporate bonds are available. As a result of the limited availability of long-duration AA-rated corporate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 555.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">bonds, extrapolation is an important element of the determination of the discount rate. The weighted <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -297<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-7357-4"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">average discount rate applied for net defined benefit asset/liability for 2023 was <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 399.80999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-20" decimals="3" name="ing:WeightedAverageBasicActuarialAssumptionOfDiscountRatesOnNetDefinedBenefitAssetOrLiability" scale="-2" id="f-7524">4.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 422.09000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 427.77pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 450.28999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 455.20000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-21" decimals="3" name="ing:WeightedAverageBasicActuarialAssumptionOfDiscountRatesOnNetDefinedBenefitAssetOrLiability" scale="-2" id="f-7525">4.3</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 477.48pt; position: var(--position); text-decoration: none; white-space: pre;">) based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the pension plan in the Netherlands, Germany, Belgium, the United States of America, and the United <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Kingdom. The average discount rate applied for Other post-employment benefits in 2023 was <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 460.28pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-20" decimals="3" name="ing:WeightedAverageBasicActuarialAssumptionOfDiscountRatesOnOtherPostEmploymentBenefits" scale="-2" id="f-7526">5.2</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 482.55999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 488.24pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 510.76pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-21" decimals="3" name="ing:WeightedAverageBasicActuarialAssumptionOfDiscountRatesOnOtherPostEmploymentBenefits" scale="-2" id="f-7527">5.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 62.25pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Sensitivity analysis of key assumptions<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING performs sensitivity analyses on the most significant assumptions: discount rates, mortality, expected <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 156.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">rate of salary increase, and indexation. The sensitivity analysis has been carried out under the assumption <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 168.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that the changes occurred at the end of the reporting period.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 195.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The sensitivity analysis calculates the financial impact on the defined benefit obligation of an increase or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 207.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">decrease of the weighted averages of each significant actuarial assumption, all other assumptions held <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 219.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">constant. In practice, this is unlikely to occur, and some changes of the assumptions may be correlated. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 231.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Changes to mortality, expected rate of salary increase, and indexation would have no material impact on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 243.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the defined benefit obligation. The most significant impact would be from a change in the discount rate. An <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 255.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increase or decrease in the discount rate of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 235.85pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3757" decimals="INF" name="ing:ChangeInDiscountRate" scale="-2" id="f-7528">1.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 258.13pt; position: var(--position); text-decoration: none; white-space: pre;"> creates an impact on the defined benefit obligation of&#160; EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 526.72pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 267.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3758" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleIncreaseInActuarialAssumption" format="ixt:num-dot-decimal" scale="6" id="f-7529">238</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 89.28999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (decrease) and EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 181.21pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3759" decimals="-6" name="ifrs-full:IncreaseDecreaseInDefinedBenefitObligationDueToReasonablyPossibleDecreaseInActuarialAssumption" format="ixt:num-dot-decimal" scale="6" id="f-7530">282</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 230.53pt; position: var(--position); text-decoration: none; white-space: pre;"> (increase), respectively.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 296.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Expected cash flows<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 311.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s subsidiaries should fund the cost of the entitlements expected to be earned on a yearly basis.<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 342.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For 2024, the expected contributions to defined benefit pension plans are EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 389.84000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:EstimateOfContributionsExpectedToBePaidToPlan" format="ixt:num-dot-decimal" scale="6" id="f-7531">58</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 433.53pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 371.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The benefit payments for defined benefit and other post-employment benefits expected to be made by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 383.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">plan between 2024-2028 are estimated to be between EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 307.09000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3760" decimals="-6" name="ifrs-full:EstimateOfContributionsExpectedToBePaidToPlan" format="ixt:num-dot-decimal" scale="6" id="f-7532">133</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 356.40999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"> and EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 398.87pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3761" decimals="-6" name="ifrs-full:EstimateOfContributionsExpectedToBePaidToPlan" format="ixt:num-dot-decimal" scale="6" id="f-7533">150</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 448.19000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> per year. From <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2028 to 2032 the total payments made by the plan are expected to be EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 378.79999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3762" decimals="-6" name="ifrs-full:EstimateOfContributionsExpectedToBePaidToPlan" format="ixt:num-dot-decimal" scale="6" id="f-7534">738</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 428.12pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_295"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfTaxationExplanatory" id="f-7535" continuedAt="f-7535-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">34&#160;  Taxation<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-7535-1" continuedAt="f-7535-2"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 81.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Statement of financial position &#8211; Deferred tax<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 96.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred taxes are recognised on all temporary differences under the liability method using tax rates <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 110.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">applicable in the jurisdictions in which ING Group is subject to taxation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 122.51pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory" id="f-7536" continuedAt="f-7536-1" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 483pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 49.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 49.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 49.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 483pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in deferred tax<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 57pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 0pt; position: var(--position); top: 14.25pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 152.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 152.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 152.25pt; position: var(--position); top: 14.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.3pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.01pt; position: var(--position); text-decoration: none; white-space: pre;">Net <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.1pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.19pt; position: var(--position); text-decoration: none; white-space: pre;">liability&#160;(-) <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.42pt; position: var(--position); text-decoration: none; white-space: pre;">Net asset&#160;(+) <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.71pt; position: var(--position); text-decoration: none; white-space: pre;">opening <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.6pt; position: var(--position); text-decoration: none; white-space: pre;">balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 212.25pt; position: var(--position); top: 14.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.23pt; position: var(--position); text-decoration: none; white-space: pre;">Change <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.49pt; position: var(--position); text-decoration: none; white-space: pre;">through <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.26pt; position: var(--position); text-decoration: none; white-space: pre;">equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 261.75pt; position: var(--position); top: 14.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.23pt; position: var(--position); text-decoration: none; white-space: pre;">Change <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.49pt; position: var(--position); text-decoration: none; white-space: pre;">through <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.48pt; position: var(--position); text-decoration: none; white-space: pre;">net&#160;result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 311.25pt; position: var(--position); top: 14.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.1pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.82pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.41pt; position: var(--position); text-decoration: none; white-space: pre;">rate <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.41pt; position: var(--position); text-decoration: none; white-space: pre;">difference<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 42.84pt; position: var(--position); text-decoration: none; white-space: pre;">s<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 360.75pt; position: var(--position); top: 14.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.1pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.5pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.52pt; position: var(--position); text-decoration: none; white-space: pre;">composition of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.3pt; position: var(--position); text-decoration: none; white-space: pre;">the group and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.48pt; position: var(--position); text-decoration: none; white-space: pre;">other changes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 426.75pt; position: var(--position); top: 14.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.3pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.26pt; position: var(--position); text-decoration: none; white-space: pre;">Net <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.1pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.44pt; position: var(--position); text-decoration: none; white-space: pre;">liability&#160;(-) <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.67pt; position: var(--position); text-decoration: none; white-space: pre;">Net asset&#160;(+) <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.93pt; position: var(--position); text-decoration: none; white-space: pre;">ending <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.85pt; position: var(--position); text-decoration: none; white-space: pre;">balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at FVOCI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 152.25pt; position: var(--position); top: 71.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2740" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7537">81</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 212.25pt; position: var(--position); top: 71.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.4pt;"></span></span><span style="left: 33.03pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2644" decimals="-6" sign="-" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" scale="6" id="f-7538">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 261.75pt; position: var(--position); top: 71.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.46pt;"></span></span><span style="left: 38.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2644" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7539">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 71.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.46pt;"></span></span><span style="left: 38.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2644" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7540">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 360.75pt; position: var(--position); top: 71.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2644" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" id="f-7541"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 426.75pt; position: var(--position); top: 71.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2748" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7542">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 85.5pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets and liabilities at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">FVPL<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 152.25pt; position: var(--position); top: 85.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.62pt;"></span></span><span style="left: 31.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3763" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7543">2,739</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 212.25pt; position: var(--position); top: 85.5pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.87pt;"></span></span><span style="left: 46.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3764" xsi:nil="true" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" id="f-7544"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 261.75pt; position: var(--position); top: 85.5pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.47pt;"></span></span><span style="left: 24.099999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3764" decimals="-6" sign="-" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7545">1,264</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 311.25pt; position: var(--position); top: 85.5pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.75pt;"></span></span><span style="left: 36.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3764" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7546">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360.75pt; position: var(--position); top: 85.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3764" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" id="f-7547"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 426.75pt; position: var(--position); top: 85.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.87pt;"></span></span><span style="left: 27.5pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3765" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7548">1,461</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 109.5pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Depreciation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 109.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.9pt;"></span></span><span style="left: 43.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3766" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7549">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 212.25pt; position: var(--position); top: 109.5pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.87pt;"></span></span><span style="left: 46.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3767" xsi:nil="true" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" id="f-7550"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 261.75pt; position: var(--position); top: 109.5pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.46pt;"></span></span><span style="left: 38.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3767" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7551">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 311.25pt; position: var(--position); top: 109.5pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.81pt;"></span></span><span style="left: 41.440000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3767" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7552">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 109.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3767" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" scale="6" id="f-7553">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 426.75pt; position: var(--position); top: 109.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.15pt;"></span></span><span style="left: 39.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3768" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7554">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 122.25pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash flow hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 122.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3049" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7555">752</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 212.25pt; position: var(--position); top: 122.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.34pt;"></span></span><span style="left: 27.97pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3239" decimals="-6" sign="-" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" scale="6" id="f-7556">251</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 261.75pt; position: var(--position); top: 122.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.87pt;"></span></span><span style="left: 46.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3239" xsi:nil="true" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" id="f-7557"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 311.25pt; position: var(--position); top: 122.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.81pt;"></span></span><span style="left: 41.440000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3239" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7558">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 122.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3239" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" id="f-7559"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 426.75pt; position: var(--position); top: 122.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3048" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7560">502</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 135pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Pension and post-employment <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">benefits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 152.25pt; position: var(--position); top: 135pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.9pt;"></span></span><span style="left: 43.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3769" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7561">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 212.25pt; position: var(--position); top: 135pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.75pt;"></span></span><span style="left: 36.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3770" decimals="-6" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" scale="6" id="f-7562">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 261.75pt; position: var(--position); top: 135pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.46pt;"></span></span><span style="left: 38.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3770" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7563">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 311.25pt; position: var(--position); top: 135pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.46pt;"></span></span><span style="left: 38.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3770" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7564">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 360.75pt; position: var(--position); top: 135pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3770" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" id="f-7565"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 426.75pt; position: var(--position); top: 135pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.15pt;"></span></span><span style="left: 39.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3771" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7566">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 159pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 159pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3772" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7567">59</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 212.25pt; position: var(--position); top: 159pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.87pt;"></span></span><span style="left: 46.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3773" xsi:nil="true" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" id="f-7568"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 261.75pt; position: var(--position); top: 159pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.4pt;"></span></span><span style="left: 33.03pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3773" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7569">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 311.25pt; position: var(--position); top: 159pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.46pt;"></span></span><span style="left: 38.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3773" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7570">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 159pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3773" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" scale="6" id="f-7571">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 426.75pt; position: var(--position); top: 159pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.5pt;"></span></span><span style="left: 43.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3774" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7572">48</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 171.75pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 152.25pt; position: var(--position); top: 171.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3775" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7573">612</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 212.25pt; position: var(--position); top: 171.75pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.81pt;"></span></span><span style="left: 41.440000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3776" decimals="-6" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" scale="6" id="f-7574">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 261.75pt; position: var(--position); top: 171.75pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.34pt;"></span></span><span style="left: 27.97pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3776" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7575">140</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 171.75pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.46pt;"></span></span><span style="left: 38.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3776" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7576">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 360.75pt; position: var(--position); top: 171.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3776" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" scale="6" id="f-7577">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 426.75pt; position: var(--position); top: 171.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3777" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7578">475</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 186pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unused tax losses carried forward<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 152.25pt; position: var(--position); top: 186pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3778" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7579">327</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 212.25pt; position: var(--position); top: 186pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.87pt;"></span></span><span style="left: 46.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3779" xsi:nil="true" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" id="f-7580"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 261.75pt; position: var(--position); top: 186pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.34pt;"></span></span><span style="left: 27.97pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3779" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7581">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 311.25pt; position: var(--position); top: 186pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.75pt;"></span></span><span style="left: 36.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3779" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7582">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 360.75pt; position: var(--position); top: 186pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3779" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" scale="6" id="f-7583">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 426.75pt; position: var(--position); top: 186pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.44pt;"></span></span><span style="left: 38.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3780" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7584">209</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 200.25pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 200.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3781" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7585">251</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 212.25pt; position: var(--position); top: 200.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.75pt;"></span></span><span style="left: 36.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3782" decimals="-6" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" scale="6" id="f-7586">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 261.75pt; position: var(--position); top: 200.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.75pt;"></span></span><span style="left: 36.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3782" decimals="-6" sign="-" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7587">90</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 311.25pt; position: var(--position); top: 200.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.46pt;"></span></span><span style="left: 38.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3782" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7588">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 200.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3782" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" scale="6" id="f-7589">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 426.75pt; position: var(--position); top: 200.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.09pt;"></span></span><span style="left: 34.720000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3783" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7590">154</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 213pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 213pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.77pt;"></span></span><span style="left: 30.4pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7591">1,227</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 212.25pt; position: var(--position); top: 213pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.67pt;"></span></span><span style="left: 27.3pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" scale="6" id="f-7592">209</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 46.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 261.75pt; position: var(--position); top: 213pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.75pt;"></span></span><span style="left: 23.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7593">1,059</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 46.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 311.25pt; position: var(--position); top: 213pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.39pt;"></span></span><span style="left: 36.02pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7594">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 46.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 360.75pt; position: var(--position); top: 213pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.13pt;"></span></span><span style="left: 57.760000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" scale="6" id="f-7595">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 426.75pt; position: var(--position); top: 213pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.42pt;"></span></span><span style="left: 34.050000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7596">362</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 225.75pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Presented in the statement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">financial position as:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 249.75pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Deferred tax liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 249.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.62pt;"></span></span><span style="left: 31.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3784" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7597">2,652</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 426.75pt; position: var(--position); top: 249.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.87pt;"></span></span><span style="left: 27.5pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3785" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7598">1,447</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 262.5pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Deferred tax assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 262.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3786" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7599">1,425</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 426.75pt; position: var(--position); top: 262.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.22pt;"></span></span><span style="left: 30.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3787" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7600">1,085</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 275.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.77pt;"></span></span><span style="left: 30.4pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3788" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7601">1,227</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 426.75pt; position: var(--position); top: 275.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.42pt;"></span></span><span style="left: 34.050000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7602">362</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.25pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The above table shows netted deferred tax amounts related to right-of-use assets and lease liabilities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">included in the row &#8216;Other&#8217;, and includes a deferred tax amount for right-of-use assets of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 973.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:DeferredTaxAssetForRightOfUseAssets" format="ixt:num-dot-decimal" scale="6" id="f-7603">195</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1022.64pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 605.85pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:DeferredTaxAssetForRightOfUseAssets" format="ixt:num-dot-decimal" scale="6" id="f-7604">205</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 655.17pt; position: var(--position); text-decoration: none; white-space: pre;"> and 2021: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 725.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:DeferredTaxAssetForRightOfUseAssets" format="ixt:num-dot-decimal" scale="6" id="f-7605">220</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 774.38pt; position: var(--position); text-decoration: none; white-space: pre;">) and a deferred tax amount for lease liabilities of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1017.0799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:DeferredTaxesForLeaseLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-7606">217</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 584.9499999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 638.28pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:DeferredTaxesForLeaseLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-7607">231</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 687.6pt; position: var(--position); text-decoration: none; white-space: pre;"> and 2021: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 757.49pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ing:DeferredTaxesForLeaseLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-7608">252</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 806.81pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The changes in Deferred tax on financial assets and liabilities at FVPL in 2023 amounting to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 983.89pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3764" decimals="-6" sign="-" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7609">1,264</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 584.9499999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 618.06pt; position: var(--position); text-decoration: none; white-space: pre;">EUR<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 635.78pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3789" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7610">3,493</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 696.87pt; position: var(--position); text-decoration: none; white-space: pre;">)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 700.05pt; position: var(--position); text-decoration: none; white-space: pre;"> is mainly driven by interest yield developments related to derivatives that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">are under IFRS-EU used in portfolio based hedging strategies for retail mortgages and savings. These <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio hedging strategies are not allowed under IFRS-IASB and is referred to as the EU IAS39 carve out <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adjustment for which we refer to Note 1.2.2 Reconciliation between IFRS-EU and IFRS-IASB.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 958.71pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -298<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-7535-2" continuedAt="f-7535-3"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The deferred tax on cash flow hedges relate to floating rate lending with interest rate swaps. Due to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">decreased (longer-term) interest rate yield curve in 2023 there was a positive revaluation of the cash flow <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hedge through other comprehensive income. This resulted in a decline in the deferred tax asset by EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3239" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7611">251</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 93.02pt; position: var(--position); text-decoration: none; white-space: pre;"> compared to the increase in deferred tax assets in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 322.24pt; position: var(--position); text-decoration: none; white-space: pre;">2022 by EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 381.32000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7612">875</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 430.64pt; position: var(--position); text-decoration: none; white-space: pre;"> due to the increase <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in the interest yield curve. The deferred tax asset in cash flow hedges decreased from EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 444.23pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3049" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7613">752</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 493.54999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2022 to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 97.03pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3048" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7614">502</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 146.35pt; position: var(--position); text-decoration: none; white-space: pre;"> i<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 151.12pt; position: var(--position); text-decoration: none; white-space: pre;">n <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 159.45999999999998pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 181.98pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The deferred tax on Loans and advances changes through net result in 2023 EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 403.78pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3776" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7615">140</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 456.83000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3790" decimals="-6" sign="-" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7616">177</ix:nonFraction>&#160; million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 91.78999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">) relates mainly to valuation changes of collectively assessed expected credit losses. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The deferred tax changes through equity - Other in 2023 of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 327.25pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3782" decimals="-6" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" format="ixt:num-dot-decimal" scale="6" id="f-7617">13</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 370.94000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022:EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 421.77pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-3791" decimals="-6" sign="-" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" format="ixt:num-dot-decimal" scale="6" id="f-7618">123</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 474.82000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">) is due to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">FX developments following the USD depreciation and the application of IAS 29 Hyperinflation in T&#252;rkiye, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">also due to the decline in the Credit liability Reserve due to credit spread tightening. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 241.91pt; width: 1080pt;"><ix:continuation id="f-7536-1"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 66pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/></tr><tr style="height: 14.25pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in deferred tax<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 57pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 0pt; position: var(--position); top: 14.25pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 152.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 152.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 152.25pt; position: var(--position); top: 14.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.3pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.01pt; position: var(--position); text-decoration: none; white-space: pre;">Net <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.1pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.19pt; position: var(--position); text-decoration: none; white-space: pre;">liability&#160;(-) <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.42pt; position: var(--position); text-decoration: none; white-space: pre;">Net asset&#160;(+) <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.71pt; position: var(--position); text-decoration: none; white-space: pre;">opening <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.6pt; position: var(--position); text-decoration: none; white-space: pre;">balance <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 212.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.73pt; position: var(--position); text-decoration: none; white-space: pre;">Change <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.99pt; position: var(--position); text-decoration: none; white-space: pre;">through <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.76pt; position: var(--position); text-decoration: none; white-space: pre;">equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 257.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.73pt; position: var(--position); text-decoration: none; white-space: pre;">Change <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.99pt; position: var(--position); text-decoration: none; white-space: pre;">through <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.98pt; position: var(--position); text-decoration: none; white-space: pre;">net&#160;result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 302.25pt; position: var(--position); top: 14.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.57pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.16pt; position: var(--position); text-decoration: none; white-space: pre;">rate <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.13pt; position: var(--position); text-decoration: none; white-space: pre;">differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 358.5pt; position: var(--position); top: 14.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.1pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.5pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.52pt; position: var(--position); text-decoration: none; white-space: pre;">composition of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.3pt; position: var(--position); text-decoration: none; white-space: pre;">the group and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.48pt; position: var(--position); text-decoration: none; white-space: pre;">other changes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 424.5pt; position: var(--position); top: 14.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.3pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.01pt; position: var(--position); text-decoration: none; white-space: pre;">Net <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.1pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.19pt; position: var(--position); text-decoration: none; white-space: pre;">liability&#160;(-) <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.42pt; position: var(--position); text-decoration: none; white-space: pre;">Net asset&#160;(+) <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.68pt; position: var(--position); text-decoration: none; white-space: pre;">ending <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.6pt; position: var(--position); text-decoration: none; white-space: pre;">balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 71.25pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at FVOCI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 71.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.9pt;"></span></span><span style="left: 43.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2741" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7619">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 212.25pt; position: var(--position); top: 71.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2645" decimals="-6" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" scale="6" id="f-7620">151</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 257.25pt; position: var(--position); top: 71.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2645" decimals="-6" sign="-" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7621">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 302.25pt; position: var(--position); top: 71.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.21pt;"></span></span><span style="left: 44.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2645" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7622">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 358.5pt; position: var(--position); top: 71.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2645" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" id="f-7623"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 424.5pt; position: var(--position); top: 71.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2740" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7624">81</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 84pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets and liabilities at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">FVPL<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 152.25pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3792" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7625">746</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 212.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3789" xsi:nil="true" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" id="f-7626"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 257.25pt; position: var(--position); top: 84pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3789" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7627">3,493</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 302.25pt; position: var(--position); top: 84pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3789" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7628">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 358.5pt; position: var(--position); top: 84pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3789" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" id="f-7629"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 424.5pt; position: var(--position); top: 84pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.62pt;"></span></span><span style="left: 31.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3763" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7630">2,739</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 108pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Depreciation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 108pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.96pt;"></span></span><span style="left: 48.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3793" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7631">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 212.25pt; position: var(--position); top: 108pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3794" xsi:nil="true" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" id="f-7632"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 257.25pt; position: var(--position); top: 108pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3794" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7633">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 302.25pt; position: var(--position); top: 108pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.21pt;"></span></span><span style="left: 44.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3794" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7634">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 358.5pt; position: var(--position); top: 108pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3794" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" id="f-7635"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 424.5pt; position: var(--position); top: 108pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.9pt;"></span></span><span style="left: 43.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3766" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7636">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 120.75pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash flow hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 120.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3795" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7637">126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 212.25pt; position: var(--position); top: 120.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3240" decimals="-6" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" scale="6" id="f-7638">875</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 257.25pt; position: var(--position); top: 120.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3240" xsi:nil="true" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" id="f-7639"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 302.25pt; position: var(--position); top: 120.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3240" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7640">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 358.5pt; position: var(--position); top: 120.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3240" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" id="f-7641"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 424.5pt; position: var(--position); top: 120.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3049" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7642">752</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 133.5pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Pension and post-employment <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">benefits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 152.25pt; position: var(--position); top: 133.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.9pt;"></span></span><span style="left: 43.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3796" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7643">49</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 212.25pt; position: var(--position); top: 133.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3797" decimals="-6" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" scale="6" id="f-7644">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 257.25pt; position: var(--position); top: 133.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3797" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7645">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 302.25pt; position: var(--position); top: 133.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.56pt;"></span></span><span style="left: 48.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3797" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7646">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 358.5pt; position: var(--position); top: 133.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.96pt;"></span></span><span style="left: 54.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3797" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" scale="6" id="f-7647">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 424.5pt; position: var(--position); top: 133.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.9pt;"></span></span><span style="left: 43.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3769" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7648">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 157.5pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other provisions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 157.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3798" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7649">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 212.25pt; position: var(--position); top: 157.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3799" xsi:nil="true" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" id="f-7650"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 257.25pt; position: var(--position); top: 157.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3799" decimals="-6" sign="-" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7651">44</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 302.25pt; position: var(--position); top: 157.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.21pt;"></span></span><span style="left: 44.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3799" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7652">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 358.5pt; position: var(--position); top: 157.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3799" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" id="f-7653"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 424.5pt; position: var(--position); top: 157.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3772" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7654">59</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 170.25pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 152.25pt; position: var(--position); top: 170.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3800" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7655">430</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 212.25pt; position: var(--position); top: 170.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3790" xsi:nil="true" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" id="f-7656"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 170.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3790" decimals="-6" sign="-" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7657">177</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 170.25pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.21pt;"></span></span><span style="left: 44.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3790" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7658">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 358.5pt; position: var(--position); top: 170.25pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.31pt;"></span></span><span style="left: 57.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3790" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" scale="6" id="f-7659">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 424.5pt; position: var(--position); top: 170.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3775" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7660">612</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 184.5pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unused tax losses carried forward<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 152.25pt; position: var(--position); top: 184.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3801" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7661">199</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 212.25pt; position: var(--position); top: 184.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3802" xsi:nil="true" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" id="f-7662"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 257.25pt; position: var(--position); top: 184.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3802" decimals="-6" sign="-" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7663">137</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 302.25pt; position: var(--position); top: 184.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.21pt;"></span></span><span style="left: 44.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3802" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7664">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 358.5pt; position: var(--position); top: 184.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3802" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" id="f-7665"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 424.5pt; position: var(--position); top: 184.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.19pt;"></span></span><span style="left: 41.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3778" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7666">327</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 198.75pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 198.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3803" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7667">148</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 212.25pt; position: var(--position); top: 198.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3791" decimals="-6" sign="-" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" scale="6" id="f-7668">123</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 257.25pt; position: var(--position); top: 198.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3791" decimals="-6" sign="-" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7669">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 302.25pt; position: var(--position); top: 198.75pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.21pt;"></span></span><span style="left: 44.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3791" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7670">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 53.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 358.5pt; position: var(--position); top: 198.75pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3791" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" id="f-7671"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 424.5pt; position: var(--position); top: 198.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3781" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7672">251</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 211.5pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 211.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.65pt;"></span></span><span style="left: 41.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7673">991</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 212.25pt; position: var(--position); top: 211.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity" scale="6" id="f-7674">910</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 257.25pt; position: var(--position); top: 211.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.77pt;"></span></span><span style="left: 15.399999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7675">3,122</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 302.25pt; position: var(--position); top: 211.5pt; width: 56.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 56.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.9pt;"></span></span><span style="left: 44.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset" scale="6" id="f-7676">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 53.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 358.5pt; position: var(--position); top: 211.5pt; width: 66pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 66pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.37pt;"></span></span><span style="left: 63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 63.09pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" xsi:nil="true" name="ifrs-full:IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset" id="f-7677"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 424.5pt; position: var(--position); top: 211.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.77pt;"></span></span><span style="left: 30.4pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7678">1,227</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 224.25pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Presented in the statement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">financial position as:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 248.25pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; deferred tax liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 248.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3804" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7679">311</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 424.5pt; position: var(--position); top: 248.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.62pt;"></span></span><span style="left: 31.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3784" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7680">2,652</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 261pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 152.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; deferred tax assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 261pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3805" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7681">1,303</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 424.5pt; position: var(--position); top: 261pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.97pt;"></span></span><span style="left: 34.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3786" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7682">1,425</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 152.25pt; position: var(--position); top: 273.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.65pt;"></span></span><span style="left: 41.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3806" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" scale="6" id="f-7683">991</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 424.5pt; position: var(--position); top: 273.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.77pt;"></span></span><span style="left: 30.4pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3788" decimals="-6" sign="-" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7684">1,227</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfDeferredTaxInConnectionWithUnusedTaxLossesCarriedForwardExplanatory" id="f-7685" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred tax in connection with unused tax losses carried forward<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total unused tax losses carried forward<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 27pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.73pt;"></span></span><span style="left: 13.36pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:UnusedTaxLossesCarriedForward" format="ixt:num-dot-decimal" scale="6" id="f-7686">1,870</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 5.49pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.48pt;"></span></span><span style="left: 14.11pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:UnusedTaxLossesCarriedForward" format="ixt:num-dot-decimal" scale="6" id="f-7687">2,668</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 5.49pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unused tax losses carried forward not recognised as a deferred tax asset<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.95pt;"></span></span><span style="left: 20.58pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:UnusedTaxLossesForWhichNoDeferredTaxAssetRecognised" scale="6" id="f-7688">815</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 5.49pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.7pt;"></span></span><span style="left: 21.33pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:UnusedTaxLossesForWhichNoDeferredTaxAssetRecognised" scale="6" id="f-7689">937</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 5.49pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unused tax losses carried forward recognised as a deferred tax asset<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.01pt;"></span></span><span style="left: 12.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:UnusedTaxLossesCarriedForwardRecognisedAsDeferredTaxAsset" format="ixt:num-dot-decimal" scale="6" id="f-7690">1,055</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 5.58pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.76pt;"></span></span><span style="left: 13.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:UnusedTaxLossesCarriedForwardRecognisedAsDeferredTaxAsset" format="ixt:num-dot-decimal" scale="6" id="f-7691">1,731</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 5.58pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Average tax rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 78pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 18.42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 18.42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="ing:AverageEffectiveDeferredTaxRate" scale="-2" id="f-7692">19.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.760000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 19.17pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 19.17pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-23" decimals="3" name="ing:AverageEffectiveDeferredTaxRate" scale="-2" id="f-7693">21.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred tax asset<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 90.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.95pt;"></span></span><span style="left: 20.58pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:DeferredTaxInConnectionWithUnusedTaxLossesCarriedForward" scale="6" id="f-7694">209</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.7pt;"></span></span><span style="left: 21.33pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:DeferredTaxInConnectionWithUnusedTaxLossesCarriedForward" scale="6" id="f-7695">365</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="position: var(--position); top: 173.41pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfNetUnusedTaxLossesCarriedForwardAnalysedByExpiryTermsExplanatory" id="f-7696" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 305.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="5" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Total unused tax losses carried forward analysed by expiry terms<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 305.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.54pt; position: var(--position); text-decoration: none; white-space: pre;">No deferred tax <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.42pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred tax <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 26.25pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 305.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 26.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 26.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 26.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 26.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 40.5pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Within 1 year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2883" xsi:nil="true" name="ifrs-full:UnusedTaxLossesForWhichNoDeferredTaxAssetRecognised" id="f-7697"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2884" xsi:nil="true" name="ifrs-full:UnusedTaxLossesForWhichNoDeferredTaxAssetRecognised" id="f-7698"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2883" xsi:nil="true" name="ing:UnusedTaxLossesForWhichDeferredTaxAssetRecognised" id="f-7699"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 40.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2884" decimals="-6" name="ing:UnusedTaxLossesForWhichDeferredTaxAssetRecognised" scale="6" id="f-7700">591</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 53.25pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">More than 1 year but less than 5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 53.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ifrs-full:UnusedTaxLossesForWhichNoDeferredTaxAssetRecognised" scale="6" id="f-7701">126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 53.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ifrs-full:UnusedTaxLossesForWhichNoDeferredTaxAssetRecognised" scale="6" id="f-7702">120</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 53.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ing:UnusedTaxLossesForWhichDeferredTaxAssetRecognised" scale="6" id="f-7703">633</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 53.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ing:UnusedTaxLossesForWhichDeferredTaxAssetRecognised" scale="6" id="f-7704">587</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 66pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">More than 5 years but less than 10 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3809" decimals="-6" name="ifrs-full:UnusedTaxLossesForWhichNoDeferredTaxAssetRecognised" scale="6" id="f-7705">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3810" decimals="-6" name="ifrs-full:UnusedTaxLossesForWhichNoDeferredTaxAssetRecognised" scale="6" id="f-7706">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3809" decimals="-6" name="ing:UnusedTaxLossesForWhichDeferredTaxAssetRecognised" scale="6" id="f-7707">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 66pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3810" decimals="-6" name="ing:UnusedTaxLossesForWhichDeferredTaxAssetRecognised" scale="6" id="f-7708">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78.75pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">More than 10 years but less than 20 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 78.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3811" xsi:nil="true" name="ifrs-full:UnusedTaxLossesForWhichNoDeferredTaxAssetRecognised" id="f-7709"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 78.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3812" xsi:nil="true" name="ifrs-full:UnusedTaxLossesForWhichNoDeferredTaxAssetRecognised" id="f-7710"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 78.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3811" xsi:nil="true" name="ing:UnusedTaxLossesForWhichDeferredTaxAssetRecognised" id="f-7711"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 78.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3812" xsi:nil="true" name="ing:UnusedTaxLossesForWhichDeferredTaxAssetRecognised" id="f-7712"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 91.5pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unlimited<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 91.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3813" decimals="-6" name="ifrs-full:UnusedTaxLossesForWhichNoDeferredTaxAssetRecognised" scale="6" id="f-7713">681</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 91.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3814" decimals="-6" name="ifrs-full:UnusedTaxLossesForWhichNoDeferredTaxAssetRecognised" scale="6" id="f-7714">808</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 91.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3813" decimals="-6" name="ing:UnusedTaxLossesForWhichDeferredTaxAssetRecognised" scale="6" id="f-7715">421</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 91.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3814" decimals="-6" name="ing:UnusedTaxLossesForWhichDeferredTaxAssetRecognised" scale="6" id="f-7716">550</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 104.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:UnusedTaxLossesForWhichNoDeferredTaxAssetRecognised" scale="6" id="f-7717">815</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 104.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:UnusedTaxLossesForWhichNoDeferredTaxAssetRecognised" scale="6" id="f-7718">937</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 104.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:UnusedTaxLossesForWhichDeferredTaxAssetRecognised" format="ixt:num-dot-decimal" scale="6" id="f-7719">1,055</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 104.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:UnusedTaxLossesForWhichDeferredTaxAssetRecognised" format="ixt:num-dot-decimal" scale="6" id="f-7720">1,731</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The above-mentioned deferred tax asset of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 771.52pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:DeferredTaxInConnectionWithUnusedTaxLossesCarriedForward" format="ixt:num-dot-decimal" scale="6" id="f-7721">209</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 820.8399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 826.52pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 849.04pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 874.17pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:DeferredTaxInConnectionWithUnusedTaxLossesCarriedForward" format="ixt:num-dot-decimal" scale="6" id="f-7722">365</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 923.49pt; position: var(--position); text-decoration: none; white-space: pre;">) and the related unused <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">tax losses carried forward exclude <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 709.16pt; position: var(--position); text-decoration: none; white-space: pre;">the recapture of tax losses originated in the<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 903.8499999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> United Kingdom previously <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">deducted in the Netherlands for the amount of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 767.42pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 787.64pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3815" decimals="-6" name="ing:DeferredTaxLiabilityDueToRecaptureOfPreviouslyDeductedTaxLosses" format="ixt:fixed-zero" scale="6" id="f-7723">0&#160;million</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 825.7pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 831.38pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 853.9pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 879.03pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3816" decimals="-6" name="ing:DeferredTaxLiabilityDueToRecaptureOfPreviouslyDeductedTaxLosses" format="ixt:num-dot-decimal" scale="6" id="f-7724">37</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 922.72pt; position: var(--position); text-decoration: none; white-space: pre;">). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred tax assets are recognised for temporary deductible differences, for tax losses carried forward and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 373.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">unused tax credits only to the extent that realisation of the related tax benefit is probable.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 400.41pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfNetDeferredTaxPositionExplanatory" id="f-7725" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Breakdown of certain net deferred tax asset positions by jurisdiction<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Poland<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-310" decimals="-6" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" scale="6" id="f-7726">244</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-311" decimals="-6" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" scale="6" id="f-7727">391</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">France<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-350" xsi:nil="true" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" id="f-7728"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-351" decimals="-6" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" scale="6" id="f-7729">70</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Slovakia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3817" decimals="-6" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" scale="6" id="f-7730">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3818" xsi:nil="true" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" id="f-7731"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">China<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3819" decimals="-6" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" scale="6" id="f-7732">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3820" xsi:nil="true" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" id="f-7733"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Australia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3821" decimals="-6" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" scale="6" id="f-7734">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3822" xsi:nil="true" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" id="f-7735"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hong Kong<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3823" decimals="-6" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" scale="6" id="f-7736">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3824" decimals="-6" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" scale="6" id="f-7737">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 103.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">United States of America<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3729" xsi:nil="true" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" id="f-7738"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3730" decimals="-6" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" scale="6" id="f-7739">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 116.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">T&#252;rkiye<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-928" decimals="-6" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" scale="6" id="f-7740">41</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3825" decimals="-6" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" scale="6" id="f-7741">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 130.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taiwan<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 130.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3826" decimals="-6" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" scale="6" id="f-7742">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 130.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3827" decimals="-6" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" scale="6" id="f-7743">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 144.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" scale="6" id="f-7744">308</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 144.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates" scale="6" id="f-7745">483</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -299<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-7535-3" continuedAt="f-7535-4"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The table above includes a breakdown of certain net deferred tax asset positions by jurisdiction for which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the utilisation of the deferred tax asset is dependent on future taxable profits in excess of the profits arising <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">from the reversal of existing taxable temporary differences whilst the related entities have incurred losses in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">either the current or the preceding year.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, ING Bank Slaski (Poland) realised a tax profit following the value changes of the cash flow hedge <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives which are settled net via a central clearing party, whereas in 2022 and 2021 ING Bank Slaski <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">incurred a tax loss following the large value changes of the cash flow hedge derivatives. This tax loss can be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">carried forward for five years. Based on a taxable profit forecast, ING considers it probable that the future <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">taxable profits will compensate for this tax loss carry forward position. Based on this a remaining deferred <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">tax asset on unused tax losses carried forward, as per 31 December 2023: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 391.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-310" decimals="-6" name="ing:UnusedTaxLossesForWhichDeferredTaxAssetRecognised" format="ixt:num-dot-decimal" scale="6" id="f-7746">120</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 441.03999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 494.37pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-311" decimals="-6" name="ing:UnusedTaxLossesForWhichDeferredTaxAssetRecognised" format="ixt:num-dot-decimal" scale="6" id="f-7747">224</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.9pt; position: var(--position); text-decoration: none; white-space: pre;">) <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 75.58pt; position: var(--position); text-decoration: none; white-space: pre;">is recognised<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 133.78pt; position: var(--position); text-decoration: none; white-space: pre;">. The remaining net deferred tax asset in Poland of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 382.01pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-310" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7748">124</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 431.33000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-311" decimals="-6" name="ifrs-full:DeferredTaxLiabilityAsset" format="ixt:num-dot-decimal" scale="6" id="f-7749">167</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 89.28999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">) relates to temporary tax differences on loans and advances and financial assets at fair value <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">through profit and loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Recognition is based on the fact that it is probable that the entity will have taxable profits and/or can utilise <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">tax planning opportunities before expiration of the deferred tax assets. Changes in circumstances in future <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">periods may adversely impact the assessment of the recoverability. The uncertainty of the recoverability is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">taken into account in establishing the deferred tax assets.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">At 31 December 2022 and 2023, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 187.04pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 232.53pt; position: var(--position); text-decoration: none; white-space: pre;"> had no significant temporary differences associated with the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">parent company&#8217;s investments in subsidiaries and associates as any economic benefit from those <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investments will not be taxable at parent company level.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Statement of profit or loss &#8211; Taxation<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 379.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfIncomeTaxBenefitsExpenseExplanatory" id="f-7750" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 80.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="10" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation by type<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 80.25pt; position: var(--position); top: 14.25pt; width: 135pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 135pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 83.05pt; position: var(--position); text-decoration: none; white-space: pre;">Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 14.25pt; width: 135pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 135pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 64.5pt; position: var(--position); text-decoration: none; white-space: pre;">Rest of the world<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="3" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 14.25pt; width: 135pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 135pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 112.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 80.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 125.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 170.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 41.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Current taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 80.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-429" decimals="-6" name="ifrs-full:CurrentTaxExpenseIncome" scale="6" id="f-7751">601</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-911" decimals="-6" name="ifrs-full:CurrentTaxExpenseIncome" scale="6" id="f-7752">498</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 170.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3251" decimals="-6" name="ifrs-full:CurrentTaxExpenseIncome" scale="6" id="f-7753">459</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3252" decimals="-6" name="ifrs-full:CurrentTaxExpenseIncome" format="ixt:num-dot-decimal" scale="6" id="f-7754">2,121</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3253" decimals="-6" name="ifrs-full:CurrentTaxExpenseIncome" format="ixt:num-dot-decimal" scale="6" id="f-7755">1,510</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3254" decimals="-6" name="ifrs-full:CurrentTaxExpenseIncome" format="ixt:num-dot-decimal" scale="6" id="f-7756">1,448</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:CurrentTaxExpenseIncome" format="ixt:num-dot-decimal" scale="6" id="f-7757">2,722</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:CurrentTaxExpenseIncome" format="ixt:num-dot-decimal" scale="6" id="f-7758">2,008</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 41.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:CurrentTaxExpenseIncome" format="ixt:num-dot-decimal" scale="6" id="f-7759">1,908</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 54pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 80.25pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-429" decimals="-6" sign="-" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7760">141</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-911" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7761">901</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 170.25pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3251" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7762">269</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3252" decimals="-6" sign="-" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7763">918</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3253" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7764">2,221</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3254" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7765">129</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7766">1,059</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7767">3,122</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:DeferredTaxExpenseIncomeRecognisedInProfitOrLoss" scale="6" id="f-7768">399</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 80.25pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-429" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7769">460</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-911" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-7770">1,399</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 170.25pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3251" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-7771">729</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3252" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-7772">1,202</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3253" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-7773">3,731</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3254" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-7774">1,578</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-7775">1,662</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-7776">5,130</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-7777">2,306</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfReconciliationOfAverageEffectiveTaxRateAndApplicableTaxRateExplanatoryTableTextBlock" id="f-7778" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 26.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Reconciliation of the weighted average statutory income tax rate to ING Group&#8217;s effective income tax <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">rate<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 26.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 26.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 26.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 26.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before tax from continuing operations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 39pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-7779">6,037</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 39pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.91pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-7780">17,358</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 39pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-7781">8,385</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 51.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Weighted average statutory tax rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 19.17pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 19.17pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-7782">22.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 19.17pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 19.17pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-23" decimals="3" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-7783">27.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 51.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 19.17pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 19.17pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2587" decimals="3" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-7784">24.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 64.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Weighted average statutory tax amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 64.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.76pt;"></span></span><span style="left: 13.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:TaxExpenseIncomeAtApplicableTaxRate" format="ixt:num-dot-decimal" scale="6" id="f-7785">1,371</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 64.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.76pt;"></span></span><span style="left: 13.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:TaxExpenseIncomeAtApplicableTaxRate" format="ixt:num-dot-decimal" scale="6" id="f-7786">4,770</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 64.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.76pt;"></span></span><span style="left: 13.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:TaxExpenseIncomeAtApplicableTaxRate" format="ixt:num-dot-decimal" scale="6" id="f-7787">2,074</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Permanent differences affecting current tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 102.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Participation exemption<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 102.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.41pt;"></span></span><span style="left: 23.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:TaxEffectOfRevenuesExemptFromTaxation2011" scale="6" id="f-7788">43</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 102.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.41pt;"></span></span><span style="left: 23.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:TaxEffectOfRevenuesExemptFromTaxation2011" scale="6" id="f-7789">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 102.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.41pt;"></span></span><span style="left: 23.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:TaxEffectOfRevenuesExemptFromTaxation2011" scale="6" id="f-7790">68</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 115.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other income not subject to tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 115.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.41pt;"></span></span><span style="left: 23.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:TaxEffectOfOtherIncomeNotSubjectToTax" scale="6" id="f-7791">68</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 115.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.41pt;"></span></span><span style="left: 23.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:TaxEffectOfOtherIncomeNotSubjectToTax" scale="6" id="f-7792">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 115.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.41pt;"></span></span><span style="left: 23.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:TaxEffectOfOtherIncomeNotSubjectToTax" scale="6" id="f-7793">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 128.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Expenses not deductible for tax purposes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.7pt;"></span></span><span style="left: 21.33pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" scale="6" id="f-7794">398</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.7pt;"></span></span><span style="left: 21.33pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" scale="6" id="f-7795">403</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 128.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.7pt;"></span></span><span style="left: 21.33pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss" scale="6" id="f-7796">201</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 141pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Current tax from previously unrecognised amounts<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 141pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.82pt;"></span></span><span style="left: 31.45pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:CurrentTaxFromPreviouslyUnrecognisedAmounts" scale="6" id="f-7797">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 141pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.76pt;"></span></span><span style="left: 26.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:CurrentTaxFromPreviouslyUnrecognisedAmounts" scale="6" id="f-7798">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 141pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.76pt;"></span></span><span style="left: 26.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:CurrentTaxFromPreviouslyUnrecognisedAmounts" scale="6" id="f-7799">51</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 153.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">State and local taxes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 153.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.76pt;"></span></span><span style="left: 26.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:TaxEffectOfStateAndLocalTaxses" scale="6" id="f-7800">99</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 153.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.76pt;"></span></span><span style="left: 26.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ing:TaxEffectOfStateAndLocalTaxses" scale="6" id="f-7801">68</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 153.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.76pt;"></span></span><span style="left: 26.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ing:TaxEffectOfStateAndLocalTaxses" scale="6" id="f-7802">64</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 166.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustments to prior periods<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 166.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.41pt;"></span></span><span style="left: 23.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForCurrentTaxOfPriorPeriod" scale="6" id="f-7803">72</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 166.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.41pt;"></span></span><span style="left: 23.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForCurrentTaxOfPriorPeriod" scale="6" id="f-7804">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 166.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.41pt;"></span></span><span style="left: 23.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForCurrentTaxOfPriorPeriod" scale="6" id="f-7805">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 179.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Differences affecting deferred tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 192pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Impact on deferred tax from change in tax rates<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 192pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.82pt;"></span></span><span style="left: 31.45pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:TaxEffectFromChangeInTaxRate" scale="6" id="f-7806">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 192pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.82pt;"></span></span><span style="left: 31.45pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:TaxEffectFromChangeInTaxRate" scale="6" id="f-7807">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 192pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.82pt;"></span></span><span style="left: 31.45pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:TaxEffectFromChangeInTaxRate" scale="6" id="f-7808">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 204.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred tax benefit from previously unrecognised amounts<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 204.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.41pt;"></span></span><span style="left: 23.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:TaxBenefitArisingFromPreviouslyUnrecognisedTaxLossTaxCreditOrTemporaryDifferenceOfPriorPeriodUsedToReduceDeferredTaxExpense" scale="6" id="f-7809">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 204.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.47pt;"></span></span><span style="left: 28.099999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:TaxBenefitArisingFromPreviouslyUnrecognisedTaxLossTaxCreditOrTemporaryDifferenceOfPriorPeriodUsedToReduceDeferredTaxExpense" scale="6" id="f-7810">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 204.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.41pt;"></span></span><span style="left: 23.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:TaxBenefitArisingFromPreviouslyUnrecognisedTaxLossTaxCreditOrTemporaryDifferenceOfPriorPeriodUsedToReduceDeferredTaxExpense" scale="6" id="f-7811">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 217.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Write-off/reversal of deferred tax assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 217.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.82pt;"></span></span><span style="left: 31.45pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:TaxEffectFromWriteOffOrReversalOfDeferredTaxAssets" scale="6" id="f-7812">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 217.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.76pt;"></span></span><span style="left: 26.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:TaxEffectFromWriteOffOrReversalOfDeferredTaxAssets" scale="6" id="f-7813">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 217.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.76pt;"></span></span><span style="left: 26.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:TaxEffectFromWriteOffOrReversalOfDeferredTaxAssets" scale="6" id="f-7814">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 230.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Effective tax amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 230.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.76pt;"></span></span><span style="left: 13.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-7815">1,662</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 230.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.76pt;"></span></span><span style="left: 13.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-7816">5,130</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 230.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 10.76pt;"></span></span><span style="left: 13.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" format="ixt:num-dot-decimal" scale="6" id="f-7817">2,306</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 7.74pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 255.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Effective tax rate<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 255.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 19.17pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 19.17pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-7818">27.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 255.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 19.17pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 19.17pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-23" decimals="3" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-7819">29.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 255.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 19.17pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 19.17pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2587" decimals="3" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-7820">27.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.510000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 353.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The weighted average statutory tax rate in 2023 (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 777.41pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-7821">22.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 805.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">) was lower than the rate of 2022 (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 959.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-23" decimals="3" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-7822">27.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 987.66pt; position: var(--position); text-decoration: none; white-space: pre;">). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 380.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The effective tax rate of&#160; <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 666.03pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-7823">27.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 693.9399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 696.4399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2023 is higher than the weighted average statutory tax rate. This is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 392.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mainly caused by the impact in 2023 of the following non-deductible items for income tax purposes: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 404.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hyperinflation accounting loss in T&#252;rkiye, interest expenses, bank- and local taxes in various countries. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 416.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustments to prior periods mainly relates to a tax refund in Spain regarding previous years.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 443.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The weighted average statutory tax rate in 2022 (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 777.41pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-23" decimals="3" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-7824">27.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 805.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">) was <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 831.29pt; position: var(--position); text-decoration: none; white-space: pre;">higher<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 859.89pt; position: var(--position); text-decoration: none; white-space: pre;"> than the rate of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 935.48pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2587" decimals="3" name="ifrs-full:ApplicableTaxRate" scale="-2" id="f-7825">24.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 963.39pt; position: var(--position); text-decoration: none; white-space: pre;"> in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 976.5pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 999.02pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The effective tax rate of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 663.53pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-23" decimals="3" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-7826">29.6</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 691.4399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 693.9399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2022 was higher than the weighted average statutory tax rate. This is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 482.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mainly caused by the impact in 2022 of the following non-deductible items income tax purposes: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hyperinflation accounting loss in T&#252;rkiye, impairments on TTB, and interest expenses in various countries.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 521.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The effective tax rate of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 663.53pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-2587" decimals="3" name="ifrs-full:AverageEffectiveTaxRate" scale="-2" id="f-7827">27.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 691.4399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2021 was significantly higher than the weighted average statutory tax <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 533.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rate. This is mainly caused by a high amount of expenses non-deductible for tax purposes like the non-<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -300<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-7535-4"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">deductible bank tax and a tax charge caused by the recapture of tax losses originated in the United <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Kingdom but previously deducted in the Netherlands<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 276.11pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Equity - Other comprehensive income<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 120.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfTaxEffectsOfComponentsOfOtherComprehensiveIncomeExplanatoryTableTextBlock" id="f-7828" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 350.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 15pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 3.5pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Income tax related to components of other comprehensive income<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 0pt; position: var(--position); top: 15pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 350.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 350.25pt; position: var(--position); top: 15pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 395.25pt; position: var(--position); top: 15pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 440.25pt; position: var(--position); top: 15pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 30.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unrealised revaluations financial assets at fair value through other comprehensive <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">income and other revaluations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 350.25pt; position: var(--position); top: 30.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7829">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 395.25pt; position: var(--position); top: 30.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7830">142</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 440.25pt; position: var(--position); top: 30.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7831">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 54.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised gains/losses transferred to the statement of profit or loss (reclassifications <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">from equity to profit or loss)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 350.25pt; position: var(--position); top: 54.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:IncomeTaxRelatingToRealisedGainsLossesTransferredToStatementOfProfitOrLoss" scale="6" id="f-7832">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 395.25pt; position: var(--position); top: 54.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ing:IncomeTaxRelatingToRealisedGainsLossesTransferredToStatementOfProfitOrLoss" scale="6" id="f-7833">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 440.25pt; position: var(--position); top: 54.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ing:IncomeTaxRelatingToRealisedGainsLossesTransferredToStatementOfProfitOrLoss" scale="6" id="f-7834">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 78.75pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in cash flow hedge reserve<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 78.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" scale="6" id="f-7835">251</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 78.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" scale="6" id="f-7836">875</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 78.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" scale="6" id="f-7837">233</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 93pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remeasurement of the net defined benefit asset/liability<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" scale="6" id="f-7838">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" scale="6" id="f-7839">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 93pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome" scale="6" id="f-7840">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 107.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in fair value of own credit risk of financial liabilities at fair value through <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 350.25pt; position: var(--position); top: 107.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome" scale="6" id="f-7841">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 395.25pt; position: var(--position); top: 107.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome" scale="6" id="f-7842">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 440.25pt; position: var(--position); top: 107.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome" scale="6" id="f-7843">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 131.25pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences and other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 131.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeTaxRelatingToExchangeDifferencesOnTranslationOfOtherComprehensiveIncome" scale="6" id="f-7844">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 131.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToExchangeDifferencesOnTranslationOfOtherComprehensiveIncome" scale="6" id="f-7845">141</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 131.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToExchangeDifferencesOnTranslationOfOtherComprehensiveIncome" scale="6" id="f-7846">77</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 145.5pt; width: 350.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 350.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total income tax related to components of other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 145.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.17pt;"></span></span><span style="left: 22.8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome" scale="6" id="f-7847">209</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 145.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome" scale="6" id="f-7848">910</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 145.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2587" decimals="-6" name="ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome" scale="6" id="f-7849">123</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div></ix:continuation><div style="position: absolute; top: 303.06pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_298"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 303.06pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFairValueMeasurementExplanatory" id="f-7850" continuedAt="f-7850-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">35&#160;  Fair value of assets and liabilities<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-7850-1" continuedAt="f-7850-2"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 319.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a) Valuation Methods<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 336.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The estimated fair values represent the price that would be received to sell an asset or paid to transfer a <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 351.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">liability in an orderly transaction between market participants at the measurement date. It is a market-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">based measurement, which is based on assumptions that market participants would use and takes into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">account the characteristics of the asset or liability that market participants would take into account when <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">pricing the asset or liability.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 162.39pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 417.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Fair values of financial assets and liabilities are based on quoted prices in active market where available. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 429.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">When such quoted prices are not available, the fair value is determined by using valuation techniques.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, the financial markets were characterised by elevated levels of volatility. In the first quarter of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">year, the markets worldwide were shaken by the demise of SVB bank and the stress surrounding Credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Suisse, fuelling uncertainty around possible additional defaults. Furthermore, the ongoing interest rate hikes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by the central banks in Europe and the US led to a fast increase in rates worldwide. Towards the end of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">year, the probability increased for interest rates to go down, which has been reflected in the forward <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest rates. Additionally, geopolitical risk increased with the Israel-Gaza conflict adding to the risk arising <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">from the ongoing Russia-Ukraine war. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets and liabilities, including Level 3, are valued using agreed methodologies, targeting the most <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">appropriate estimate of fair value.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 707.17pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">b) Valuation control framework<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 120.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The valuation control framework covers the product approval process (PARP), pricing, market data <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 134.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assessment and independent price verification (IPV), valuation adjustments, model use, fair value hierarchy <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 146.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and day one profit or loss. Valuation processes are governed by various governance bodies, including Local <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 158.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Parameter Committees, Global Valuation and Impairment Committee, Market Data Committee and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 170.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation Model Committee. All relevant committees meet on a regular basis (monthly/quarterly), where <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 182.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">agenda covers the aforementioned valuation controls.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 209.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The Global Valuation and Impairment Committee is responsible for the oversight and the approval of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 221.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">outcome of impairments (other than loan loss provisions) and valuation processes. It oversees the quality <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 233.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and coherence of valuation methodologies and performance. The Valuation Model Committee is responsible <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 245.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for the approval of all valuation models used for the Fair valuation (IFRS) and Prudent Valuation (CRR) of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 257.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">positions measured at fair value. The Local Parameter Committee discusses the valuation results and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 269.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">monitors the performance of the valuation activities carried out on local or regional level. The Global <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 281.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Markets Parameter Committee reviews the consolidated valuation outcome and resulting P&amp;L for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 293.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Market products, targeting a globally consistent treatment across Financial Market. The Market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 305.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Data Committee is responsible for the approval of the market data used in valuation.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 933.51pt; position: var(--position); text-decoration: none; white-space: pre;">&#160;  <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 334.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">c) Valuation Adjustments<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation adjustments are an integral part of the fair value. They are the adjustments to the output from a <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">valuation technique in order to appropriately determine a fair value in accordance with IFRS13. ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">considers various fair value adjustments including Bid-Offer adjustments, Model Risk adjustments, Bilateral <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation Adjustments (BVA, consisting of Credit Valuation Adjustments or CVA, and Debit valuation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustments or DVA), Collateral Valuation Adjustment (CollVA) and Funding Valuation Adjustment (FVA).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For financial instruments where the fair value at initial recognition is based on one or more significant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">unobservable inputs, a difference between the transaction price and the fair value resulting from the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">internal valuation process can occur. Such difference is referred to as Day One Profit or Day One Loss <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(hereafter: DOP). ING defers material Day One Profit or Loss of instruments with significant unobservable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">valuation inputs, which are the financial instruments classified as Level 3 and financial instruments with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">material unobservable inputs into CVA which are not necessarily classified as Level 3. The DOP is amortised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">over the life of the instrument, or until the significant unobservable inputs become observable, or until the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">significant unobservable inputs become non-significant. Both the impact on the profit and loss in 2023 and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 522.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the DOP reserve is<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 635.77pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> disclosed in the below table.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -301<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-7850-2" continuedAt="f-7850-3"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred Day One Profit or Loss Reserve <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">The table below summarizes the movement in the aggregate DOP not recognised when financial </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">instruments were initially recognised, because of the use of valuation techniques for which not all the inputs </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">were market observable data.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 127.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 365.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred day one profit or loss reserve <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ffffff; font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: bold; left: 185.6pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 365.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 14.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 36.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 14.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 36.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 365.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance at 1 January<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 365.25pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="ing:FairValueMeasurementDeferredDayOneProfitOrLossReserve" scale="6" id="f-7851">108</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.96pt;"></span></span><span style="left: 48.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-22" decimals="-6" sign="-" name="ing:FairValueMeasurementDeferredDayOneProfitOrLossReserve" scale="6" id="f-7852">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 41.25pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 365.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">DOP deferred on new transactions during the period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.9pt;"></span></span><span style="left: 43.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" sign="-" name="ing:FairValueMeasurementDeferredDayOneProfitOrLossReserveProfitLossDeferredOnNewTransactions" scale="6" id="f-7853">83</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" sign="-" name="ing:FairValueMeasurementDeferredDayOneProfitOrLossReserveProfitLossDeferredOnNewTransactions" scale="6" id="f-7854">107</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 54pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 365.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">DOP recognised in the statement of profit or loss during the period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66.75pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 365.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.6300000000000026pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.63pt; position: var(--position); text-decoration: none; white-space: pre;">of which release<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 365.25pt; position: var(--position); top: 66.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3828" decimals="-6" name="ing:FairValueMeasurementDeferredDayOneProfitOrLossReserveProfitLossRecognised" scale="6" id="f-7855">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 66.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3829" decimals="-6" name="ing:FairValueMeasurementDeferredDayOneProfitOrLossReserveProfitLossRecognised" scale="6" id="f-7856">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 81pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 365.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.6300000000000026pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.63pt; position: var(--position); text-decoration: none; white-space: pre;">of which amortisation and exchange differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 365.25pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3830" decimals="-6" name="ing:FairValueMeasurementDeferredDayOneProfitOrLossReserveProfitLossRecognised" scale="6" id="f-7857">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.31pt;"></span></span><span style="left: 51.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3831" decimals="-6" name="ing:FairValueMeasurementDeferredDayOneProfitOrLossReserveProfitLossRecognised" scale="6" id="f-7858">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 95.25pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 365.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance at 31 December<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 95.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.41pt;"></span></span><span style="left: 43.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" sign="-" name="ing:FairValueMeasurementDeferredDayOneProfitOrLossReserve" scale="6" id="f-7859">90</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 95.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.17pt;"></span></span><span style="left: 37.800000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" sign="-" name="ing:FairValueMeasurementDeferredDayOneProfitOrLossReserve" scale="6" id="f-7860">108</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 255.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The following table presents the models reserves for financial assets and liabilities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 267.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:SummaryOfValuationAdjustmentTableTableTextBlock" id="f-7861" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 365.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 60pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation adjustment reserves on financial assets and liabilities<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 365.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 14.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 36.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 14.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 36.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 365.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deferred Day One Profit or Loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 365.25pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.9pt;"></span></span><span style="left: 43.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3832" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7862">90</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 27pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3833" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7863">108</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 365.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Own credit adjustments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 365.25pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3834" decimals="-6" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7864">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 425.25pt; position: var(--position); top: 41.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3835" decimals="-6" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7865">75</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 55.5pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 365.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Bid/Offer<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3836" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7866">154</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 55.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3837" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7867">216</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 68.25pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 365.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Model Risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 68.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.9pt;"></span></span><span style="left: 43.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3838" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7868">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 68.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.9pt;"></span></span><span style="left: 43.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3839" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7869">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 81pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 365.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">CVA<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3840" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7870">131</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 81pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.84pt;"></span></span><span style="left: 38.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3841" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7871">192</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 93.75pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 365.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">DVA <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 22.02pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 93.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3842" decimals="-6" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7872">55</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 93.75pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.25pt;"></span></span><span style="left: 46.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3843" decimals="-6" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7873">99</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 106.5pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 365.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">CollVA<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 106.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.96pt;"></span></span><span style="left: 48.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3844" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7874">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 106.5pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.96pt;"></span></span><span style="left: 48.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3845" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7875">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 119.25pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 365.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">FVA<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 119.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.9pt;"></span></span><span style="left: 43.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3846" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7876">68</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 119.25pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.9pt;"></span></span><span style="left: 43.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3847" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7877">78</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 57pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 132pt; width: 365.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 365.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total Valuation Adjustments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 365.25pt; position: var(--position); top: 132pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.17pt;"></span></span><span style="left: 37.800000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3848" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7878">385</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 425.25pt; position: var(--position); top: 132pt; width: 60pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 60pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.17pt;"></span></span><span style="left: 37.800000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3849" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForFairValueGainsLosses" scale="6" id="f-7879">441</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 57.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.66pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Own Credit Adjustment<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Own issued debt and structured notes that are designated at fair value through profit or loss are adjusted <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for ING`s own credit risk by means of DVA. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.66pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Bid-Offer Adjustment<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For positions priced based upon mid-market input parameters, Bid-Offer adjustments are required in order <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to reflect the valuation of that position based on bid price or offer price. In practice this adjustment accounts <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for the difference in valuation from &#8216;mid to bid&#8217; and &#8216;mid to offer&#8217; for long and short exposures respectively. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In principle assets are valued at the bid prices and liabilities are valued at the offer price. For certain assets <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">or liabilities, where a market quoted price is not available, the price used is the fair value that is most <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">representative within the bid-offer spread.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Model Risk Adjustment<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial instruments that are valued using a valuation model can be subject to model risk. Model risk is the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk of possible financial loss resulting from pricing model or model-based parameter deficiencies and/or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">uncertainties.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 616.16pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Bilateral Valuation Adjustments (Credit and Debit Valuation Adjustments)&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Bilateral Valuation Adjustment is the valuation adjustment reflecting the counterparty credit risk of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">derivative contracts. It has a bilateral nature, where both the counterparty&#8217;s credit risk (i.e. Credit Valuation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustment or CVA) and ING&#8217;s own credit risk (Debit Valuation Adjustment or DVA) are taken into account:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 218.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">CVA is the fair value adjustment applicable to derivative instruments to account for the possibility that <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 231.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">the counterparty defaults (i.e. it is the market value of the counterparty&#8217;s credit risk).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 244.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">DVA is the fair value adjustment applicable to derivative instruments to account for the possibility that <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 257.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">ING defaults (i.e. it is the market value of ING&#8217;s credit risk).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 285.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The calculation of CVA and DVA on derivatives is based on their expected exposures, the counterparties&#8217; and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 297.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s risk of default, taking into account the collateral agreements as well as netting agreements. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 309.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">counterparties&#8217; risk of default is measured by probability of default and expected loss given default, which is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 321.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">based on market information including credit default swap (CDS) spreads. Where counterparty CDS spreads <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 333.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">are not available, relevant proxy spreads are used. Additionally, wrong-way risk (which occurs when the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 345.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">probability of default by the counterparty increases (decreases) when ING&#8217;s exposure to the counterparty <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 357.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">increases (decreases)) and right-way risk (which occurs when the probability of default by the counterparty <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 369.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">increases (decreases) when ING&#8217;s exposure to the counterparty decreases (increases)) are included in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 381.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adjustment.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 408.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Collateral Valuation Adjustment (CollVA)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 420.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Collateral Valuation Adjustment is a fair valuation adjustment applied on derivative instruments to capture <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">specific features of CSA (Credit Support Annex) with a counterparty that the regular OIS discounting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">framework does not capture. Non-standard CSA features may include deviations in relation to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">currencies in which ING posts or receives collateral, deviations in remuneration rate on collateral which may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">pay lower or higher rate than overnight rate or even no interest at all; other deviations can be posting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">securities rather than cash as collateral, etc.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Funding Valuation Adjustment (FVA)<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Funding Valuation Adjustment (FVA) is a fair valuation adjustment applied on derivative instruments to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">address the asymmetry in funding costs or funding benefits between collateralized and uncollateralized <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -302<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-7850-3" continuedAt="f-7850-4"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives portfolios. This adjustment is based on the expected exposure profiles of the uncollateralized or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">partially collateralized OTC derivatives and market-based funding spreads.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">d) Fair value hierarchy <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 120.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> has categorised its financial instruments that are either measured in the statement of financial <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 134.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">position at fair value or of which the fair value is disclosed, into a three level hierarchy based on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 146.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">observability of the valuation inputs. Highest priority is retained to unadjusted quoted prices in active <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 158.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">markets for identical assets or liabilities and the lowest priority to valuation techniques supported by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 170.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">unobservable inputs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 197.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Transfers into and transfers out of fair value hierarchy levels are made on a quarterly basis at the end of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 209.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reporting period.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 236.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Level 1 &#8211; (Unadjusted) quoted prices in active markets<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 248.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This category includes financial instruments whose fair value is determined directly by reference to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 260.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(unadjusted) quoted prices in an active market. A financial instrument is regarded as quoted in an active <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 272.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">market if quoted prices are readily and regularly available from an exchange, dealer markets, brokered <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 284.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">markets, or principal to principal markets. Those prices represent actual and regularly occurring market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 296.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">transactions with sufficient frequency and volume to provide pricing information on an ongoing basis. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 308.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Transfers out of Level 1 into Level 2 or Level 3 occur when <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 300pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 345.49pt; position: var(--position); text-decoration: none; white-space: pre;"> establishes that markets are no longer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 320.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">active and therefore (unadjusted) quoted prices no longer provide reliable pricing information.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 347.71pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Level 2 &#8211; Valuation technique supported by observable inputs<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 359.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">This category includes financial instruments whose fair value is based on market observable inputs, either <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 371.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">directly or indirectly, other than quoted prices included within Level 1. The fair value for financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 383.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">instruments in this category can be determined by reference to quoted prices for similar instruments in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 395.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">active markets, quoted prices for identical or similar instruments in markets that are not active, inputs other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">than quoted prices that are observable or market-corroborated inputs. ING analyses how the prices are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">derived and determines whether the prices are liquid tradable prices or model-based consensus prices <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">taking various data as inputs. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 458.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For financial instruments that do not have a reference price available, fair value is determined using a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">valuation technique (e.g., a model), where inputs in the model are taken from an active market or are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 482.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">observable, such as interest rates and yield curves observable at commonly quoted intervals, implied <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">volatilities, and credit spreads.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 521.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Instruments, where inputs are unobservable are classified in this category, provided that the impact of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 533.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">those unobservable inputs on the overall valuation is insignificant. The notion of significant is particularly <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 545.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">relevant for the distinction between Level 2 and Level 3 assets and liabilities, as the significance assessment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of the valuation input on the entire fair value measurement will determine whether the instrument should <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">be classified as Level 2 or Level 3. Expert judgement is required on the significance assessment approach.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Level 3 &#8211; Valuation technique supported by unobservable inputs<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This category includes financial instruments whose fair value is determined using a valuation technique for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which a significant part of the overall valuation is driven by unobservable valuation inputs. Where valuation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">inputs are unobservable, the Group must use the best information available to value the instruments. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">may require internally derived inputs taking into account market participants assumptions that are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reasonably available, including assumptions on the risk inherent in a particular valuation technique used to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">measure fair value and the risk inherent in the inputs to the valuation technique. Unobservable inputs may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">include, among others, volatility, correlation, spreads to discount rates, default rates, recovery rates, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">prepayment rates, and certain credit spreads.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -303<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-7850-4" continuedAt="f-7850-5"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory" id="f-7880" continuedAt="f-7880-1" escape="true"><span style="color: #696969; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial instruments at fair value <span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-7880-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The fair values of the financial instruments&#160; were determined as follows:<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 97.71pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 495pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 125.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 495pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 495pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Methods applied in determining fair values of financial assets and liabilities (carried at fair value)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 59.33pt; position: var(--position); text-decoration: none; white-space: pre;">Level 1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 14.25pt; width: 93.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 63.08pt; position: var(--position); text-decoration: none; white-space: pre;">Level 2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 59.33pt; position: var(--position); text-decoration: none; white-space: pre;">Level 3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 14.25pt; width: 96pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 96pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 73.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 125.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 125.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.13pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 170.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.13pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.13pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 27pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #ff6200; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.88pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.13pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.13pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 399pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #ff6200; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.13pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444pt; position: var(--position); top: 27pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #ff6200; font-family: Calibri; font-size: 9pt; font-style: normal; font-weight: bold; left: 30.13pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 41.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 54pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Equity securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3850" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7881">15,438</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 170.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3851" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7882">11,783</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3852" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-7883">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 78pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3853" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-7884">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3854" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-7885">150</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3855" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-7886">156</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3856" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7887">15,590</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 78pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3857" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7888">11,941</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 90.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 125.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3858" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7889">4,825</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 170.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3859" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7890">1,636</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3860" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7891">4,081</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 90.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3861" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7892">5,361</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3862" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7893">3,364</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3863" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7894">3,450</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 399pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3864" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7895">12,270</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444pt; position: var(--position); top: 90.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3865" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7896">10,447</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 105pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 125.25pt; position: var(--position); top: 105pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3866" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-7897">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 170.25pt; position: var(--position); top: 105pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3867" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-7898">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 105pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3868" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7899">27,134</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 105pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.66pt;"></span></span><span style="left: 18.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3869" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7900">34,229</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 105pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3870" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-7901">535</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354pt; position: var(--position); top: 105pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3871" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-7902">483</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 399pt; position: var(--position); top: 105pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3872" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7903">27,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444pt; position: var(--position); top: 105pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3873" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7904">34,734</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 119.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Loans and receivables<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 125.25pt; position: var(--position); top: 119.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3874" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-7905">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 170.25pt; position: var(--position); top: 119.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3875" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-7906">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 119.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3876" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7907">63,316</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 119.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.66pt;"></span></span><span style="left: 18.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3877" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7908">54,097</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 119.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3878" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7909">4,131</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354pt; position: var(--position); top: 119.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3879" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7910">2,547</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 399pt; position: var(--position); top: 119.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2697" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7911">67,446</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444pt; position: var(--position); top: 119.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2698" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7912">56,644</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 125.25pt; position: var(--position); top: 133.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3880" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7913">20,302</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 170.25pt; position: var(--position); top: 133.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3881" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7914">13,441</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 133.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3882" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7915">94,533</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 133.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.76pt;"></span></span><span style="left: 17.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3883" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7916">93,690</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 133.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3884" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7917">8,179</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354pt; position: var(--position); top: 133.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3885" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7918">6,635</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 399pt; position: var(--position); top: 133.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7919">123,015</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444pt; position: var(--position); top: 133.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.77pt;"></span></span><span style="left: 14.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7920">113,766</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 147.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">through other <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 183pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Equity securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 183pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3850" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7921">1,622</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 170.25pt; position: var(--position); top: 183pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3851" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7922">1,639</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 183pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3852" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7923">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 183pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3853" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7924">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 183pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3854" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7925">263</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 183pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3855" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7926">247</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 183pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3856" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7927">1,885</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 183pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3857" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7928">1,887</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 195.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 125.25pt; position: var(--position); top: 195.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3886" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7929">35,848</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 170.25pt; position: var(--position); top: 195.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3887" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7930">25,644</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 195.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3888" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7931">2,433</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 195.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3889" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7932">3,451</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 195.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3890" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7933">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354pt; position: var(--position); top: 195.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3891" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7934">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 399pt; position: var(--position); top: 195.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2693" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7935">38,281</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444pt; position: var(--position); top: 195.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2694" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7936">29,095</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 210pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Loans and receivables<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 125.25pt; position: var(--position); top: 210pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3874" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7937">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 170.25pt; position: var(--position); top: 210pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3875" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7938">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 210pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3876" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7939">275</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 260.25pt; position: var(--position); top: 210pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3877" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7940">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 309pt; position: var(--position); top: 210pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3878" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7941">676</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 354pt; position: var(--position); top: 210pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3879" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7942">643</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 399pt; position: var(--position); top: 210pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2697" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7943">951</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444pt; position: var(--position); top: 210pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.19pt;"></span></span><span style="left: 32.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2698" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7944">643</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 224.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3880" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7945">37,470</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 170.25pt; position: var(--position); top: 224.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3881" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7946">27,284</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 224.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3882" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7947">2,707</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 224.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3883" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7948">3,451</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 224.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3884" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7949">938</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 224.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3885" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-7950">891</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 224.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7951">41,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 224.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.01pt;"></span></span><span style="left: 19.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-7952">31,625</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 237pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 249.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities at fair <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 273.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 273.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3892" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7953">1,088</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 170.25pt; position: var(--position); top: 273.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3893" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7954">822</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 273.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3894" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7955">7,635</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 273.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3895" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7956">5,743</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 273.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3896" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7957">47</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 273.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3897" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7958">53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 273.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3898" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7959">8,770</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 273.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3899" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7960">6,619</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 286.5pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Deposits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 286.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3900" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7961">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 170.25pt; position: var(--position); top: 286.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3901" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7962">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 286.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3902" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7963">57,063</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 286.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.66pt;"></span></span><span style="left: 18.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3903" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7964">50,257</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 286.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3904" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7965">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 286.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3905" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7966">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 286.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3906" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7967">57,076</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 286.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3907" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7968">50,257</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 299.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Trading securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 299.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3908" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7969">3,604</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 170.25pt; position: var(--position); top: 299.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3909" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7970">1,952</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 299.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3910" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7971">41</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 299.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.94pt;"></span></span><span style="left: 30.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3911" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7972">273</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 299.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3912" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7973">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 299.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3913" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7974">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 299.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3914" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7975">3,645</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 299.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3915" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7976">2,226</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 312pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 312pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3916" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7977">41</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 170.25pt; position: var(--position); top: 312pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3917" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7978">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 312pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3918" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7979">24,437</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 312pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.66pt;"></span></span><span style="left: 18.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3919" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7980">33,200</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 312pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3920" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7981">670</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 312pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3921" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7982">678</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 312pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3044" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7983">25,148</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 312pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3045" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7984">33,917</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 125.25pt; position: var(--position); top: 324.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3880" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7985">4,733</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 170.25pt; position: var(--position); top: 324.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3881" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7986">2,814</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 215.25pt; position: var(--position); top: 324.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3882" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7987">89,175</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 260.25pt; position: var(--position); top: 324.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.76pt;"></span></span><span style="left: 17.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3883" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7988">89,473</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 324.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3884" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7989">729</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 324.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3885" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-7990">732</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 324.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.01pt;"></span></span><span style="left: 13.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7991">94,638</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444pt; position: var(--position); top: 324.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.01pt;"></span></span><span style="left: 19.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-7992">93,019</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 455.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The following methods and assumptions were used by ING Group to estimate the fair value of the financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 467.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">instruments:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.21pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Equity securities<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10.5pt; position: var(--position); top: 506.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Instrument description:<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 144.23000000000002pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 147.14pt; position: var(--position); text-decoration: none; white-space: pre;">Equity securities include stocks and shares, corporate investments and private <span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">equity investments.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10.5pt; position: var(--position); top: 530.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation:<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 85.37pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 88.28pt; position: var(--position); text-decoration: none; white-space: pre;">If available, the fair values of publicly traded equity securities and private equity securities are <span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">based on quoted market prices. In absence of active markets, fair values are estimated by analysing the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 555.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investee&#8217;s financial position, result, risk profile, prospect, price, earnings comparisons and revenue multiples. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Additionally, reference is made to valuations of peer entities where quoted prices in active markets are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">available. For equity securities best market practice will be applied using the most relevant valuation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">method. All non-listed equity investments, including investments in private equity funds, are subject to a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">standard review framework which ensures that valuations reflect the fair values.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10.5pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Fair value hierarchy:<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 645.45pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 648.36pt; position: var(--position); text-decoration: none; white-space: pre;">The majority of equity securities are publicly traded and quoted prices are readily and <span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 125.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">regularly available. Hence, these securities are classified as Level 1.&#160; Equity securities which are not traded in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 137.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">active markets mainly include corporate investments, fund investments and other equity securities and are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 149.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">classified as Level 3.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 176.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10.5pt; position: var(--position); top: 188.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Instrument description:<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 659.28pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 662.1899999999999pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities include government bonds, financial institutions bonds and Asset-<span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 201.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">backed securities (ABS). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10.5pt; position: var(--position); top: 213.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation:<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 600.42pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 603.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;">Where available, fair values for debt securities are generally based on quoted market prices. <span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 225.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Quoted market prices are obtained from an exchange market, dealer, broker, industry group, pricing service, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 237.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">or regulatory service. The quoted prices from non-exchange sources are reviewed on their tradability of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 249.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">market prices. If quoted prices in an active market are not available, fair value is based on an analysis of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 261.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">available market inputs, which includes consensus prices obtained from one or more pricing services. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 273.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, fair values are determined by valuation techniques discounting expected future cash flows <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 285.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">using market interest rate curves, referenced credit spreads, maturity of the investment, and estimated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 297.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">prepayment rates where applicable.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10.5pt; position: var(--position); top: 309.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Fair value hierarchy:<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 645.45pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 648.36pt; position: var(--position); text-decoration: none; white-space: pre;">Government bonds and financial institutions bonds are generally traded in active <span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">markets, where quoted prices are readily and regularly available and are hence, classified as Level 1. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remaining positions are classified as Level 2 or Level 3. Asset backed securities for which no active market is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">available and a wide discrepancy in quoted prices exists, are classified as Level 3.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 373.31pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10.5pt; position: var(--position); top: 385.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Instrument description:<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 659.28pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 662.1899999999999pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives contracts can either be exchange-traded or over the counter (OTC). <span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 397.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives include interest rate derivatives, FX derivatives, Credit derivatives, Equity derivatives and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 409.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">commodity derivatives.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10.5pt; position: var(--position); top: 421.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation:<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 600.42pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 603.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;">The fair value of exchange-traded derivatives is determined using quoted market prices in an <span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 434.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">active market and are classified as Level 1 of the fair value hierarchy. For instruments that are not actively <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 446.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">traded, fair values are estimated based on valuation techniques. OTC derivatives and derivatives trading in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 458.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">an inactive market are valued using valuation techniques. The valuation techniques and inputs depend on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the type of derivatives and the nature of the underlying instruments. The principal techniques used to value <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 482.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">these instruments are based on (amongst others) discounted cash flows, option pricing models and Monte <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Carlo simulations. These valuation models calculate the present value of expected future cash flows, based <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on &#8216;no-arbitrage&#8217; principles. The models are commonly used in the financial industry and inputs to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">validation models are determined from observable market data where possible. Certain inputs may not be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 530.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">observable in the market, but can be determined from observable prices via valuation model calibration <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 542.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">procedures. These inputs include prices available from exchanges, dealers, brokers or providers of pricing, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 554.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">yield curves, credit spreads, default rates, recovery rates, dividend rates, volatility of underlying interest <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -304<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-7850-5" continuedAt="f-7850-6"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">rates, equity prices, and foreign currency exchange rates and reference is made to quoted prices, recently <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">executed trades, independent market quotes and consensus data, where available.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For uncollateralised OTC derivatives, ING applies Credit Valuation Adjustment to correctly reflect the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">counterparty credit risk in the valuation and Debit Valuation Adjustments to reflect the credit risk of ING for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">its counterparty. In addition, for these derivatives ING applies Funding Valuation Adjustment. See sections <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">CVA/DVA and FVA in section c) Valuation Adjustments for more details regarding the calculation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10.5pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Fair value hierarchy:<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 130.4pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 133.31pt; position: var(--position); text-decoration: none; white-space: pre;">The majority of the derivatives are priced using observable inputs and are classified as <span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 164.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Level 2. Derivatives for which the input cannot be implied from observable market data are classified as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 176.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Level 3.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 203.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and receivables<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10.5pt; position: var(--position); top: 215.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Instrument description:<span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 144.23000000000002pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.64pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 147.14pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and receivables are non-derivative financial assets with fixed or determinable <span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 228.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">payments that are not quoted in an active market. Loans and receivables carried at fair value includes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 240.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">trading loans, being securities lending and similar agreement comparable to collateralised lending, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 252.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">syndicated loans, loans expected to be sold and receivables with regards to reverse repurchase <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 264.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">transactions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation: The fair value of loans and receivables is generally estimated by discounting expected future cash <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">flows using a discount rate that reflects credit risk, liquidity, and other current market conditions. The fair <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 300.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">value of mortgage loans is estimated by taking into account prepayment behaviour. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 312.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Fair value hierarchy: Loans and receivables are predominantly classified as Level 2. Loans and receivables <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 324.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for which current market information about similar assets to use as observable, corroborated data for all <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 336.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">significant inputs into a valuation model is not available, are classified as Level 3.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.11pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities at fair value through profit and loss<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 291.44pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Instrument description: Financial liabilities at fair value through profit and loss include debt securities, debt <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">instruments, primarily comprised of structured notes, which are held at fair value under the fair value <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">option. Besides that, it includes derivative contracts and repurchase agreements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation: The fair values of securities in the trading portfolio and other liabilities at fair value through profit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">or loss are based on quoted market prices, where available. For those securities not actively traded, fair <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">values are estimated based on internal discounted cash flow valuation techniques using interest rates and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">credit spreads that apply to similar instruments.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Fair value hierarchy: The majority of the derivatives and debt instruments are classified as Level 2. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives and debt instruments for which the input cannot be derived from observable market data are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">classified as Level 3.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 512.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">e) <span style="display: inline-block; height: 9pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 53.54pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Transfers between Level 1 and 2</span><span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 526.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As a consequence of change in observable inputs, ING recorded an EUR <span style="display: inline-block; height: 9pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 359.76pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"><ix:nonFraction unitRef="eur" contextRef="c-3922" decimals="-8" name="ifrs-full:TransfersOutOfLevel2IntoLevel1OfFairValueHierarchyAssets" scale="9" id="f-7993">2.4</ix:nonFraction></span><span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 373.42999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> billion <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 404.74pt; position: var(--position); text-decoration: none; white-space: pre;">transfer from Level 2 to <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Level 1 in debt securities measured at fair value through other comprehensive income. Furthermore, EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 552.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3922" decimals="-8" name="ifrs-full:TransfersOutOfLevel1IntoLevel2OfFairValueHierarchyAssets" scale="9" id="f-7994">1.7</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 53.64pt; position: var(--position); text-decoration: none; white-space: pre;"> billion transfers from Level 1 to Level 2 were recorded in the reporting period 2023. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">f) Level 3: Valuation techniques and inputs used<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #00338d; font-family: Arial; font-size: 12pt; font-style: normal; font-weight: normal; left: 818.8499999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets and liabilities in Level 3 include both assets and liabilities for which the fair value was <span style="display: inline-block; height: 8.73pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">determined using (i) valuation techniques that incorporate unobservable inputs as well as (ii) quoted prices <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 105.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which have been adjusted to reflect that the market was not actively trading at or around the balance sheet <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 117.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">date. Unobservable inputs are inputs which are based on ING&#8217;s own assumptions about the factors that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 129.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">market participants would use in pricing an asset or liability, developed based on the best information <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 141.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">available in the circumstances. Unobservable inputs may include volatility, correlation, spreads to discount <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 153.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rates, default rates and recovery rates, prepayment rates, and certain credit spreads. Valuation techniques <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 165.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that incorporate unobservable inputs are sensitive to the inputs used. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 867.6099999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 192.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Of the total amount of financial assets classified as Level 3 as at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 843.3599999999999pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 928.16pt; position: var(--position); text-decoration: none; white-space: pre;"> of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 962.27pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3884" decimals="-8" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="f-7995">9.1</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 975.94pt; position: var(--position); text-decoration: none; white-space: pre;"> billion <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 204.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 558.1999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 643pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 668.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3885" decimals="-8" name="ifrs-full:FinancialAssetsAtFairValue" scale="9" id="f-7996">7.5</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 681.8pt; position: var(--position); text-decoration: none; white-space: pre;"> billion), an amount of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 802.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-8" name="ing:FinancialAssetsClassifiedAsLevel3BasedOnQuotedPrice" scale="9" id="f-7997">7.0</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 816.3pt; position: var(--position); text-decoration: none; white-space: pre;"> billion (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 850.79pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="ing:PercentageOnFinancialAssetsBasedOnUnadjustedQuotedPricesInInactiveMarkets" scale="-2" id="f-7998">76.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 878.7pt; position: var(--position); text-decoration: none; white-space: pre;">) (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 887.56pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 972.3599999999999pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 997.49pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-8" name="ing:FinancialAssetsClassifiedAsLevel3BasedOnQuotedPrice" scale="9" id="f-7999">2.2</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1011.16pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 216.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">billion, being <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 613.55pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-23" decimals="3" name="ing:PercentageOnFinancialAssetsBasedOnUnadjustedQuotedPricesInInactiveMarkets" scale="-2" id="f-8000">29.2</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 641.46pt; position: var(--position); text-decoration: none; white-space: pre;">) is based on unadjusted quoted prices in inactive markets. As ING does not generally <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 228.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adjust quoted prices using its own inputs, there is no significant sensitivity to ING&#8217;s own unobservable inputs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 255.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, Level 3 financial assets includes approximately EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 848.4pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-8" name="ing:AmountOfRiskNeutralDesignedFinancialAssets" scale="9" id="f-8001">0.3</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 862.0699999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> billion (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 896.56pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 981.3599999999999pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1006.49pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-8" name="ing:AmountOfRiskNeutralDesignedFinancialAssets" scale="9" id="f-8002">4.2</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1020.16pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 267.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">billion) which relates to financial assets that are part of structures that are designed to be fully neutral in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 279.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">terms of market risk. Such structures include various financial assets and liabilities for which the overall <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 291.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sensitivity to market risk is insignificant. Whereas the fair value of individual components of these structures <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">may be determined using different techniques and the fair value of each of the components of these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">structures may be sensitive to unobservable inputs, the overall sensitivity is by design not significant.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 342.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The remaining EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 642.3pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-8" name="ing:RemainingFinancialAssetsClassifiedAsLevel3" scale="9" id="f-8003">1.8</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 655.97pt; position: var(--position); text-decoration: none; white-space: pre;"> billion (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 690.46pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 775.26pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 800.39pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-8" name="ing:RemainingFinancialAssetsClassifiedAsLevel3" scale="9" id="f-8004">1.1</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 814.06pt; position: var(--position); text-decoration: none; white-space: pre;"> billion) of the fair value classified in Level 3 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 354.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial assets is established using valuation techniques that incorporates certain inputs that are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 366.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">unobservable.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 393.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Of the total amount of financial liabilities classified as Level 3 as at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 853.74pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 938.54pt; position: var(--position); text-decoration: none; white-space: pre;"> of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 972.65pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3884" decimals="-8" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="9" id="f-8005">0.7</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 986.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> billion <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 558.1999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 643pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 668.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3885" decimals="-8" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="9" id="f-8006">0.7</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 681.8pt; position: var(--position); text-decoration: none; white-space: pre;"> billion), an amount of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 802.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-7" name="ing:FinancialLiabilitiesClassifiedAsLevelBasedOnUnadjustedQuotedPriceInactiveMarkets" scale="9" id="f-8007">0.4</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 816.3pt; position: var(--position); text-decoration: none; white-space: pre;"> billion (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 850.79pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3923" decimals="3" name="ing:PercentageOnFinancialAssetsBasedOnUnadjustedQuotedPricesInInactiveMarkets" scale="-2" id="f-8008">50.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 878.7pt; position: var(--position); text-decoration: none; white-space: pre;">) (31 December 2022: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 977.27pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 997.49pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-7" name="ing:FinancialLiabilitiesClassifiedAsLevelBasedOnUnadjustedQuotedPriceInactiveMarkets" scale="9" id="f-8009">0.02</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1016.79pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 417.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">billion, being <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 613.55pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3924" decimals="3" name="ing:PercentageOnFinancialAssetsBasedOnUnadjustedQuotedPricesInInactiveMarkets" scale="-2" id="f-8010">2.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 635.8299999999999pt; position: var(--position); text-decoration: none; white-space: pre;">) is based on unadjusted quoted prices in inactive markets. As ING does not generally <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 429.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adjust quoted prices using its own inputs, there is no significant sensitivity to ING&#8217;s own unobservable inputs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore, Level 3 financial liabilities includes approximately EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 858.78pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-8" name="ing:AmountOfFinancialLiabilitiesDesignedToBeFullyNeutral" scale="9" id="f-8011">0.3</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 872.45pt; position: var(--position); text-decoration: none; white-space: pre;"> billion (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 906.94pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 991.74pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1016.87pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-8" name="ing:AmountOfFinancialLiabilitiesDesignedToBeFullyNeutral" scale="9" id="f-8012">0.6</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1030.54pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">billion) which relates to financial liabilities that are part of structures that are designed to be fully neutral in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">terms of market risk. As explained above, the fair value of each of the components of these structures may <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">be sensitive to unobservable inputs, but the overall sensitivity is by design not significant.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The remaining EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 642.3pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3884" decimals="-8" name="ing:RemainingFinancialLiabilitiesClassifiedAsLevel3ThatIncorporatesCertainInputsThatAreUnobservable" scale="9" id="f-8013">0.1</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 655.97pt; position: var(--position); text-decoration: none; white-space: pre;"> billion (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 690.46pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 775.26pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 800.39pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3885" decimals="-8" name="ing:RemainingFinancialLiabilitiesClassifiedAsLevel3ThatIncorporatesCertainInputsThatAreUnobservable" scale="9" id="f-8014">0.1</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 814.06pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 816.56pt; position: var(--position); text-decoration: none; white-space: pre;">billion of the fair value classified in Level 3 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial liabilities is established using valuation techniques that incorporates certain inputs that are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">unobservable.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -305<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-7850-6" continuedAt="f-7850-7"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The table below provides a summary of the valuation techniques, key unobservable inputs and the lower <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and upper range of such unobservable inputs, by type of Level 3 asset/liability. The lower and upper range <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">mentioned in the overview represent the lowest and highest variance of the respective valuation input as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">actually used in the valuation of the different financial instruments. Amounts and percentages stated are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">unweighted. The range can vary from period to period subject to market movements and change in Level&#160;3 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">position. Lower and upper bounds reflect the variability of Level 3 positions and their underlying valuation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">inputs in the portfolio, but do not adequately reflect their level of valuation uncertainty. For valuation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">uncertainty assessment, reference is made to section Sensitivity analysis of unobservable inputs (Level 3).<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -306<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-7850-7" continuedAt="f-7850-8"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementOfAssetsExplanatory" id="f-8015" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 993pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 227.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 43.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 206.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 206.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 44.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="11" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 993pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 993pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation techniques and range of unobservable inputs (Level 3)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 227.25pt; position: var(--position); top: 14.25pt; width: 87.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 315pt; position: var(--position); top: 14.25pt; width: 88.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 88.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 14.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation techniques<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 609.75pt; position: var(--position); top: 14.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Significant unobservable inputs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 816pt; position: var(--position); top: 14.25pt; width: 88.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 88.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Lower range<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 904.5pt; position: var(--position); top: 14.25pt; width: 88.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 88.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Upper range<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 227.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 227.25pt; position: var(--position); top: 28.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 43.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 270.75pt; position: var(--position); top: 28.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 315pt; position: var(--position); top: 28.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 359.25pt; position: var(--position); top: 28.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 816pt; position: var(--position); top: 28.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 860.25pt; position: var(--position); top: 28.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 904.5pt; position: var(--position); top: 28.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 948.75pt; position: var(--position); top: 28.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">At fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 54pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 227.25pt; position: var(--position); top: 54pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.47pt;"></span></span><span style="left: 18.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3890" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-8016">3,364</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 270.75pt; position: var(--position); top: 54pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.22pt;"></span></span><span style="left: 18.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3891" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-8017">3,447</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 315pt; position: var(--position); top: 54pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3890" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-8018">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 359.25pt; position: var(--position); top: 54pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3891" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-8019">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 54pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price based<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 54pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 54pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.7pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3925" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8020">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 54pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3926" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8021">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 54pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 20.58pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 20.58pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3927" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8022">122</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 54pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 17.72pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 17.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3928" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8023">125</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 65.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price (price per share)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 65.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3929" decimals="INF" name="ing:PriceSignificantUnobservableInputs" scale="0" id="f-8024">97</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 65.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.44pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3930" decimals="INF" name="ing:PriceSignificantUnobservableInputs" scale="0" id="f-8025">208</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 65.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.44pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3931" decimals="INF" name="ing:PriceSignificantUnobservableInputs" scale="0" id="f-8026">236</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 65.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.44pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3932" decimals="INF" name="ing:PriceSignificantUnobservableInputs" scale="0" id="f-8027">208</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 76.5pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Present value techniques<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 76.5pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit spread (bps)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 76.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3933" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8028">94</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 76.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3934" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8029">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 76.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3935" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8030">94</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 76.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.44pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3936" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8031">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 87.75pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 87.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.85pt; position: var(--position); text-decoration: none; white-space: pre;">n.a.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 87.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 22.78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 22.78pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3937" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8032">97</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.760000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 87.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.85pt; position: var(--position); text-decoration: none; white-space: pre;">n.a.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 87.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 17.72pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 17.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3938" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8033">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 99pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equity securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 227.25pt; position: var(--position); top: 99pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.69pt;"></span></span><span style="left: 25.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3939" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-8034">150</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 270.75pt; position: var(--position); top: 99pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3940" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-8035">156</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 99pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price based<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 99pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price (price per share)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 99pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.56pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3941" decimals="INF" name="ing:PriceSignificantUnobservableInputs" scale="0" id="f-8036">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 99pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.56pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3942" decimals="INF" name="ing:PriceSignificantUnobservableInputs" scale="0" id="f-8037">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 99pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.22pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3943" decimals="INF" name="ing:PriceSignificantUnobservableInputs" format="ixt:num-dot-decimal" scale="0" id="f-8038">5,457</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 99pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.22pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3944" decimals="INF" name="ing:PriceSignificantUnobservableInputs" format="ixt:num-dot-decimal" scale="0" id="f-8039">5,457</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 110.25pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 227.25pt; position: var(--position); top: 110.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.47pt;"></span></span><span style="left: 18.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3945" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-8040">2,298</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 270.75pt; position: var(--position); top: 110.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.22pt;"></span></span><span style="left: 18.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3946" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-8041">1,485</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 315pt; position: var(--position); top: 110.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3945" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-8042">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 110.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price based<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 110.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 110.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.7pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3947" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8043">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 110.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3948" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8044">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 110.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 20.58pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 20.58pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3949" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8045">117</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 110.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 17.72pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 17.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3950" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8046">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 121.5pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Present value techniques<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 121.5pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit spread (bps)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 121.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.56pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3951" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8047">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 121.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.56pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3952" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8048">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 121.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3953" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8049">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 121.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3954" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8050">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 132.75pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">(Reverse) repo's<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 227.25pt; position: var(--position); top: 132.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.47pt;"></span></span><span style="left: 18.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3955" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-8051">1,832</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 270.75pt; position: var(--position); top: 132.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.22pt;"></span></span><span style="left: 18.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3956" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" format="ixt:num-dot-decimal" scale="6" id="f-8052">1,062</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 132.75pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Present value techniques<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 132.75pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest rate (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 132.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.85pt; position: var(--position); text-decoration: none; white-space: pre;">n.a.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 132.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3957" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8053">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 132.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.85pt; position: var(--position); text-decoration: none; white-space: pre;">n.a.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 132.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3958" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8054">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 144pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Structured notes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-3959" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" id="f-8055"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 270.75pt; position: var(--position); top: 144pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3960" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-8056">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 315pt; position: var(--position); top: 144pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3959" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-8057">47</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 359.25pt; position: var(--position); top: 144pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3960" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-8058">53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 144pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price based<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 144pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 144pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3961" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8059">88</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 144pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 22.78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 22.78pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3962" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8060">84</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.760000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 144pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3963" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8061">96</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 144pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 17.72pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 17.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3964" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8062">107</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 155.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Option pricing model<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 155.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equity volatility (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 155.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.7pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3965" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8063">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 155.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 22.78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 22.78pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3966" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8064">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.760000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 155.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3967" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8065">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 155.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 22.78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 22.78pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3968" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8066">42</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.760000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 166.5pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equity/Equity correlation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 166.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3969" decimals="INF" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8067">0.8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 166.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3970" decimals="INF" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8068">0.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 166.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3971" decimals="INF" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8069">0.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 166.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3972" decimals="INF" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8070">1.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 177.75pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equity/FX correlation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 177.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.99pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="number" contextRef="c-3973" decimals="INF" sign="-" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8071">0.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 177.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.99pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="number" contextRef="c-3974" decimals="INF" sign="-" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8072">0.4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 177.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3975" decimals="INF" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8073">0.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 177.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3976" decimals="INF" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8074">0.6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 189pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividend yield (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 189pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.7pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3977" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8075">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 189pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3978" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8076">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 189pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.7pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3979" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8077">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 189pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3980" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8078">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 200.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Present value techniques<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 200.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit spreads (bps)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 200.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.44pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3981" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8079">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 200.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3982" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8080">96</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 200.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.44pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3983" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8081">101</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 200.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3984" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8082">96</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 211.5pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 222.75pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Rates<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 227.25pt; position: var(--position); top: 222.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.69pt;"></span></span><span style="left: 25.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3985" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-8083">283</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 270.75pt; position: var(--position); top: 222.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3986" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-8084">431</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 315pt; position: var(--position); top: 222.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3985" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-8085">301</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 359.25pt; position: var(--position); top: 222.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3986" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-8086">476</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 222.75pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Option pricing model<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 222.75pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest rate volatility (bps)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 222.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.56pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3987" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8087">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 222.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3988" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8088">49</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 222.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.56pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3989" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8089">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 222.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.44pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-3990" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8090">148</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 403.5pt; position: var(--position); top: 234pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Present value techniques<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 609.75pt; position: var(--position); top: 234pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Reset spread (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 816pt; position: var(--position); top: 234pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.85pt; position: var(--position); text-decoration: none; white-space: pre;">n.a.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 860.25pt; position: var(--position); top: 234pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3991" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8091">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 904.5pt; position: var(--position); top: 234pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.85pt; position: var(--position); text-decoration: none; white-space: pre;">n.a.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 948.75pt; position: var(--position); top: 234pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3992" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8092">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 248.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest rate (%) <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 248.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.97pt; position: var(--position); text-decoration: none; white-space: pre;">n.a.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 248.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3993" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8093">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 248.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.97pt; position: var(--position); text-decoration: none; white-space: pre;">n.a.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 248.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3994" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8094">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 259.5pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Prepayment rate (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 259.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.7pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3995" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8095">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 259.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3996" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8096">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 259.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.7pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3997" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8097">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 259.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 22.78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 22.78pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-3998" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8098">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.760000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 270.75pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;FX<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 227.25pt; position: var(--position); top: 270.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.81pt;"></span></span><span style="left: 35.440000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3999" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-8099">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 270.75pt; position: var(--position); top: 270.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4000" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-8100">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 315pt; position: var(--position); top: 270.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3999" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-8101">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 359.25pt; position: var(--position); top: 270.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4000" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-8102">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 270.75pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Option pricing model<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 270.75pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Implied volatility (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 270.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.7pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4001" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8103">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 270.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4002" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8104">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 270.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4003" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8105">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 270.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 22.78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 22.78pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4004" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8106">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.760000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 282pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Credit<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 227.25pt; position: var(--position); top: 282pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.69pt;"></span></span><span style="left: 25.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4005" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-8107">216</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 270.75pt; position: var(--position); top: 282pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4006" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-8108">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 315pt; position: var(--position); top: 282pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4005" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-8109">343</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 359.25pt; position: var(--position); top: 282pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4006" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-8110">175</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 282pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Present value techniques<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 282pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit spread (bps)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 282pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.56pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4007" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8111">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 282pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.56pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4008" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8112">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 282pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.44pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4009" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8113">149</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 282pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.44pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4010" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8114">623</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 293.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price based<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 293.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 293.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.7pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4011" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8115">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 293.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4012" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8116">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 293.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 20.58pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 20.58pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4013" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8117">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 293.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 17.72pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 17.72pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4014" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8118">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 304.5pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 227.25pt; position: var(--position); top: 304.5pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.75pt;"></span></span><span style="left: 30.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4015" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-8119">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 270.75pt; position: var(--position); top: 304.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4016" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-8120">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 315pt; position: var(--position); top: 304.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4015" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-8121">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 359.25pt; position: var(--position); top: 304.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.5pt;"></span></span><span style="left: 31.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4016" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-8122">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 304.5pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Option pricing model<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 304.5pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equity volatility (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 304.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4017" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8123">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 304.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4018" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8124">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 304.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4019" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8125">75</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 304.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 22.78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 22.78pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4020" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8126">77</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.760000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 315.75pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equity/Equity correlation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 315.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4021" decimals="INF" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8127">0.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 315.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4022" decimals="INF" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8128">0.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 315.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4023" decimals="INF" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8129">1.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 315.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4024" decimals="INF" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8130">0.9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 327pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equity/FX correlation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 327pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.99pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="number" contextRef="c-4025" decimals="INF" sign="-" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8131">0.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 327pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.99pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="number" contextRef="c-4026" decimals="INF" sign="-" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8132">0.5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 327pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4027" decimals="INF" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8133">1.0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 327pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4028" decimals="INF" name="ing:SignificantUnobservableInputsAmount" scale="0" id="f-8134">0.1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 338.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividend yield (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 338.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.7pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4029" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8135">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 338.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4030" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8136">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 338.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4031" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8137">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 338.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 22.78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 22.78pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4032" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8138">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.760000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 349.5pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price based<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 349.5pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 349.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.7pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4033" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8139">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 349.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.01pt; position: var(--position); text-decoration: none; white-space: pre;">n.a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 349.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4034" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8140">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 349.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.01pt; position: var(--position); text-decoration: none; white-space: pre;">n.a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 360.75pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 227.25pt; position: var(--position); top: 360.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.75pt;"></span></span><span style="left: 30.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4035" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-8141">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 270.75pt; position: var(--position); top: 360.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4036" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLoss" scale="6" id="f-8142">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 315pt; position: var(--position); top: 360.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.56pt;"></span></span><span style="left: 36.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4035" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" scale="6" id="f-8143">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4036" xsi:nil="true" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLoss" id="f-8144"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 360.75pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Option pricing model<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 360.75pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Commodity volatility (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 360.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4037" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8145">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 360.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4038" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8146">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 360.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4039" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8147">94</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 360.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 22.78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 22.78pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4040" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8148">63</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.760000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 372pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">At fair value through other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 383.25pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Loans and advances<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 227.25pt; position: var(--position); top: 383.25pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.69pt;"></span></span><span style="left: 25.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4041" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-8149">676</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 270.75pt; position: var(--position); top: 383.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4042" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-8150">643</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 383.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Present value techniques<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 383.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Prepayment rate (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 383.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.85pt; position: var(--position); text-decoration: none; white-space: pre;">n.a.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 383.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4043" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8151">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 383.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.85pt; position: var(--position); text-decoration: none; white-space: pre;">n.a.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 383.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4044" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8152">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 394.5pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price based<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 394.5pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 394.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4045" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8153">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 394.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 22.78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 22.78pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4046" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8154">67</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.760000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 394.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 25.64pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 25.64pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4047" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8155">96</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 394.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 22.78pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 22.78pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4048" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8156">99</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.760000000000005pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 405.75pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 227.25pt; position: var(--position); top: 405.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.69pt;"></span></span><span style="left: 25.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4049" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-8157">263</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 40.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 270.75pt; position: var(--position); top: 405.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.44pt;"></span></span><span style="left: 26.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4050" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-8158">247</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 41.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 405.75pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Present value techniques<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 405.75pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit spread (bps)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f6f6f6; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 405.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4051" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8159">5.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 405.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4052" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8160">6.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f6f6f6; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 405.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4053" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8161">5.2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 405.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.34pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4054" decimals="INF" name="ing:SignificantUnobservableInputsBasisPointSpread" scale="-4" id="f-8162">6.7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 417pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest rate (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 417pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.7pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4055" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8163">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 417pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4056" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8164">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 417pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 30.7pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 30.7pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4057" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8165">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 417pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.84pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4058" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8166">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 2.86pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 428.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price based<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 428.25pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price (%)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 428.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 20.58pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 20.58pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4059" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8167">122</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 428.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.01pt; position: var(--position); text-decoration: none; white-space: pre;">n.a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 428.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 20.58pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 20.58pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4060" decimals="INF" name="ing:PercentageSignificantUnobservableInputs" scale="-2" id="f-8168">122</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 35.76pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 428.25pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.01pt; position: var(--position); text-decoration: none; white-space: pre;">n.a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 403.5pt; position: var(--position); top: 439.5pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Price based<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 609.75pt; position: var(--position); top: 439.5pt; width: 206.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 206.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other (EUR)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 816pt; position: var(--position); top: 439.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.13pt; position: var(--position); text-decoration: none; white-space: pre;">n.a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 860.25pt; position: var(--position); top: 439.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4061" decimals="INF" name="ing:SignificantUnobservableInputsOther" scale="0" id="f-8169">70</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 904.5pt; position: var(--position); top: 439.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.13pt; position: var(--position); text-decoration: none; white-space: pre;">n.a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 948.75pt; position: var(--position); top: 439.5pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.5pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4062" decimals="INF" name="ing:SignificantUnobservableInputsOther" scale="0" id="f-8170">90</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 450.75pt; width: 227.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 227.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f2f2f2; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 227.25pt; position: var(--position); top: 450.75pt; width: 43.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 43.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.75pt;"></span></span><span style="left: 17.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3884" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8171">9,118</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 40.59pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 270.75pt; position: var(--position); top: 450.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.5pt;"></span></span><span style="left: 18.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3885" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8172">7,526</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 315pt; position: var(--position); top: 450.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3884" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8173">729</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 359.25pt; position: var(--position); top: 450.75pt; width: 44.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 44.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3885" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8174">732</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 41.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></ix:nonNumeric></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -307<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-7850-8" continuedAt="f-7850-9"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Price<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For securities where market prices are not available, fair value is measured by comparison with observable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">pricing data from similar instruments. Prices of 0% are distressed to the point that no recovery is expected, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">while prices significantly in excess of 100% or par are expected to pay a yield above current market rates.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Credit<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 67.71pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 70.21pt; position: var(--position); text-decoration: none; white-space: pre;">spreads<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Credit spread is the premium above a benchmark interest rate required by the market participant to accept <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">a lower credit quality. Higher credit spreads indicate lower credit quality and a lower value of an asset.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Volatility<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Volatility is a measure for variation of the price of a financial instrument or other valuation input over time. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Volatility is one of the key inputs in option pricing models. Typically, the higher the volatility, the higher <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">value of the option. Volatility varies by the underlying reference (equity, commodity, foreign currency and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest rates), by strike, and maturity of the option. The minimum level of volatility is 0% and there is no <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">theoretical maximum.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Correlation<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Correlation is a measure of dependence between two underlying references which is relevant for valuing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives and other instruments having more than one underlying reference. High positive correlation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(close to 1) indicates strong positive (statistical) relationship, where underliers move, everything else equal, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">into the same direction. The same holds for a high negative correlation.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Interest rate<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">An interest rate is the amount of interest due per period, as a proportion of the amount lent, deposited, or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">borrowed.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reset spread<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Reset spreads are key inputs to mortgage linked prepayment swaps valuation. Reset spread is the future <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">spread at which mortgages will re-price at interest rate reset dates.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Dividend yield<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Dividend yield is an important input for equity option pricing models showing how much dividends a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">company is expected to pay out each year relative to its share price. Dividend yields are generally expressed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as an annualised percentage of share price.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Prepayment rate<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Prepayment rate is a key input to mortgage and loan valuation. Prepayment rate is the estimated rate at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which mortgage borrowers will repay their mortgages early, e.g. 5% per year. Prepayment rate and reset <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">spread are key inputs to mortgage linked prepayment swaps valuation.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -308<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-7850-9" continuedAt="f-7850-10"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Level 3: Changes during the period<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 89.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFairValueMeasurementOfAssetsExplanatory" id="f-8175" continuedAt="f-8175-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 459.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="13" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in Level 3 Financial assets<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 30.75pt; left: 459.75pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 20.25pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.42pt; position: var(--position); text-decoration: none; white-space: pre;">Trading assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 30.75pt; left: 549.75pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.45pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.36pt; position: var(--position); text-decoration: none; white-space: pre;">Non-trading <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 20.25pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.02pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 30.75pt; left: 639.75pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.45pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.36pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 20.25pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.7pt; position: var(--position); text-decoration: none; white-space: pre;">mandatorily at FVPL<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 30.75pt; left: 729.75pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.45pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.36pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 20.25pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.56pt; position: var(--position); text-decoration: none; white-space: pre;">designated at FVPL<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 30.75pt; left: 819.75pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.45pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.75pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 20.25pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 64.01pt; position: var(--position); text-decoration: none; white-space: pre;">FVOCI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 30.75pt; left: 909.75pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 20.25pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 67.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 15pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 45pt; width: 459.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 459.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">In EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 45pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 504.75pt; position: var(--position); top: 45pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 45pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 594.75pt; position: var(--position); top: 45pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 639.75pt; position: var(--position); top: 45pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 684.75pt; position: var(--position); top: 45pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 729.75pt; position: var(--position); top: 45pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 774.75pt; position: var(--position); top: 45pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 45pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 864.75pt; position: var(--position); top: 45pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 45pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 954.75pt; position: var(--position); top: 45pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57.75pt; width: 459.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 459.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance as at 1 January<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 57.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4063" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-8176">873</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 504.75pt; position: var(--position); top: 57.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4064" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-8177">822</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 57.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4065" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-8178">421</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 594.75pt; position: var(--position); top: 57.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4066" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-8179">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 57.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4067" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8180">1,849</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 684.75pt; position: var(--position); top: 57.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4068" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8181">1,862</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729.75pt; position: var(--position); top: 57.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4069" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8182">3,492</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 57.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4070" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8183">2,480</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 57.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4071" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-8184">891</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 57.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4072" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8185">1,063</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 57.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3885" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8186">7,526</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 57.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4073" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8187">6,228</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 72pt; width: 459.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 459.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised gain/loss&#160; recognised in the statement of profit or loss during the period <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 327.9pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 72pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4074" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="f-8188">235</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 504.75pt; position: var(--position); top: 72pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4075" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="f-8189">53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 72pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4076" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="f-8190">142</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 594.75pt; position: var(--position); top: 72pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4077" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="f-8191">52</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 72pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4078" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="f-8192">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 684.75pt; position: var(--position); top: 72pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4079" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="f-8193">57</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729.75pt; position: var(--position); top: 72pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4080" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="f-8194">383</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 72pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4081" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="f-8195">122</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 72pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4082" xsi:nil="true" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" id="f-8196"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 72pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4083" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="f-8197">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 72pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="f-8198">322</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 72pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="f-8199">178</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 86.25pt; width: 459.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 459.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Revaluation recognised in other comprehensive income during the period <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 299.67pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 504.75pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 594.75pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 684.75pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729.75pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4082" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets" scale="6" id="f-8200">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4083" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets" scale="6" id="f-8201">84</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets" scale="6" id="f-8202">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 86.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInOtherComprehensiveIncomeFairValueMeasurementAssets" scale="6" id="f-8203">84</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 100.5pt; width: 459.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 459.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Purchase of assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4074" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementAssets" format="ixt:num-dot-decimal" scale="6" id="f-8204">1,246</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 504.75pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4075" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementAssets" scale="6" id="f-8205">694</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4076" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementAssets" scale="6" id="f-8206">76</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 594.75pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4077" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementAssets" scale="6" id="f-8207">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4078" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementAssets" format="ixt:num-dot-decimal" scale="6" id="f-8208">2,208</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 684.75pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4079" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementAssets" format="ixt:num-dot-decimal" scale="6" id="f-8209">1,586</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729.75pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4080" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementAssets" scale="6" id="f-8210">873</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4081" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementAssets" scale="6" id="f-8211">772</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4082" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementAssets" scale="6" id="f-8212">331</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4083" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementAssets" scale="6" id="f-8213">221</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementAssets" format="ixt:num-dot-decimal" scale="6" id="f-8214">4,735</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" name="ifrs-full:PurchasesFairValueMeasurementAssets" format="ixt:num-dot-decimal" scale="6" id="f-8215">3,288</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114.75pt; width: 459.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 459.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Sale of assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 114.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4074" decimals="-6" name="ifrs-full:SalesFairValueMeasurementAssets" scale="6" id="f-8216">889</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 504.75pt; position: var(--position); top: 114.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4075" decimals="-6" name="ifrs-full:SalesFairValueMeasurementAssets" scale="6" id="f-8217">49</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 114.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4076" decimals="-6" name="ifrs-full:SalesFairValueMeasurementAssets" scale="6" id="f-8218">55</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 594.75pt; position: var(--position); top: 114.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4077" decimals="-6" name="ifrs-full:SalesFairValueMeasurementAssets" scale="6" id="f-8219">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 114.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4078" decimals="-6" name="ifrs-full:SalesFairValueMeasurementAssets" format="ixt:num-dot-decimal" scale="6" id="f-8220">1,109</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 684.75pt; position: var(--position); top: 114.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4079" decimals="-6" name="ifrs-full:SalesFairValueMeasurementAssets" scale="6" id="f-8221">669</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729.75pt; position: var(--position); top: 114.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4080" decimals="-6" name="ifrs-full:SalesFairValueMeasurementAssets" scale="6" id="f-8222">138</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 114.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4081" decimals="-6" name="ifrs-full:SalesFairValueMeasurementAssets" scale="6" id="f-8223">191</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 114.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4082" decimals="-6" name="ifrs-full:SalesFairValueMeasurementAssets" scale="6" id="f-8224">243</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 114.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4083" decimals="-6" name="ifrs-full:SalesFairValueMeasurementAssets" scale="6" id="f-8225">275</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 114.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" name="ifrs-full:SalesFairValueMeasurementAssets" format="ixt:num-dot-decimal" scale="6" id="f-8226">2,433</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 114.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" name="ifrs-full:SalesFairValueMeasurementAssets" format="ixt:num-dot-decimal" scale="6" id="f-8227">1,187</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 129pt; width: 459.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 459.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Maturity/settlement<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4074" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementAssets" format="ixt:num-dot-decimal" scale="6" id="f-8228">1,005</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 504.75pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4075" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementAssets" scale="6" id="f-8229">511</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4076" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementAssets" scale="6" id="f-8230">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 594.75pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4077" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementAssets" scale="6" id="f-8231">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4078" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementAssets" scale="6" id="f-8232">576</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 684.75pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4079" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementAssets" scale="6" id="f-8233">617</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729.75pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4080" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementAssets" scale="6" id="f-8234">292</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4081" xsi:nil="true" name="ifrs-full:SettlementsFairValueMeasurementAssets" id="f-8235"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4082" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementAssets" scale="6" id="f-8236">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4083" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementAssets" scale="6" id="f-8237">59</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementAssets" format="ixt:num-dot-decimal" scale="6" id="f-8238">1,910</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 129pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementAssets" format="ixt:num-dot-decimal" scale="6" id="f-8239">1,188</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 143.25pt; width: 459.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 459.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Reclassifications<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4074" xsi:nil="true" name="ing:ReclassificationFairValueMeasurementAssets" id="f-8240"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 504.75pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4075" xsi:nil="true" name="ing:ReclassificationFairValueMeasurementAssets" id="f-8241"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4076" xsi:nil="true" name="ing:ReclassificationFairValueMeasurementAssets" id="f-8242"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 594.75pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4077" xsi:nil="true" name="ing:ReclassificationFairValueMeasurementAssets" id="f-8243"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4078" decimals="-6" name="ing:ReclassificationFairValueMeasurementAssets" scale="6" id="f-8244">723</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 684.75pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4079" decimals="-6" sign="-" name="ing:ReclassificationFairValueMeasurementAssets" scale="6" id="f-8245">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729.75pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4080" xsi:nil="true" name="ing:ReclassificationFairValueMeasurementAssets" id="f-8246"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4081" xsi:nil="true" name="ing:ReclassificationFairValueMeasurementAssets" id="f-8247"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4082" decimals="-6" name="ing:ReclassificationFairValueMeasurementAssets" scale="6" id="f-8248">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4083" decimals="-6" name="ing:ReclassificationFairValueMeasurementAssets" scale="6" id="f-8249">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" name="ing:ReclassificationFairValueMeasurementAssets" scale="6" id="f-8250">728</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 143.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" sign="-" name="ing:ReclassificationFairValueMeasurementAssets" scale="6" id="f-8251">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 157.5pt; width: 459.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 459.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfers into Level 3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 157.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4074" decimals="-6" name="ing:TransfersIntoLevel3OfFairValueHierarchyNetOfDiscontinuedOperationsNettingAssets" scale="6" id="f-8252">879</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 504.75pt; position: var(--position); top: 157.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4075" decimals="-6" name="ing:TransfersIntoLevel3OfFairValueHierarchyNetOfDiscontinuedOperationsNettingAssets" scale="6" id="f-8253">288</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 157.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4076" xsi:nil="true" name="ing:TransfersIntoLevel3OfFairValueHierarchyNetOfDiscontinuedOperationsNettingAssets" id="f-8254"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 594.75pt; position: var(--position); top: 157.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4077" decimals="-6" name="ing:TransfersIntoLevel3OfFairValueHierarchyNetOfDiscontinuedOperationsNettingAssets" scale="6" id="f-8255">474</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 157.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4078" decimals="-6" name="ing:TransfersIntoLevel3OfFairValueHierarchyNetOfDiscontinuedOperationsNettingAssets" scale="6" id="f-8256">981</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 684.75pt; position: var(--position); top: 157.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4079" decimals="-6" name="ing:TransfersIntoLevel3OfFairValueHierarchyNetOfDiscontinuedOperationsNettingAssets" scale="6" id="f-8257">605</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729.75pt; position: var(--position); top: 157.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4080" decimals="-6" name="ing:TransfersIntoLevel3OfFairValueHierarchyNetOfDiscontinuedOperationsNettingAssets" scale="6" id="f-8258">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 157.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4081" decimals="-6" name="ing:TransfersIntoLevel3OfFairValueHierarchyNetOfDiscontinuedOperationsNettingAssets" scale="6" id="f-8259">322</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 157.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4082" xsi:nil="true" name="ing:TransfersIntoLevel3OfFairValueHierarchyNetOfDiscontinuedOperationsNettingAssets" id="f-8260"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 157.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4083" decimals="-6" sign="-" name="ing:TransfersIntoLevel3OfFairValueHierarchyNetOfDiscontinuedOperationsNettingAssets" scale="6" id="f-8261">43</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 157.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" name="ing:TransfersIntoLevel3OfFairValueHierarchyNetOfDiscontinuedOperationsNettingAssets" format="ixt:num-dot-decimal" scale="6" id="f-8262">1,860</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 157.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" name="ing:TransfersIntoLevel3OfFairValueHierarchyNetOfDiscontinuedOperationsNettingAssets" format="ixt:num-dot-decimal" scale="6" id="f-8263">1,646</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 171.75pt; width: 459.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 459.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfers out of Level 3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 171.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4074" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-8264">459</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 504.75pt; position: var(--position); top: 171.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4075" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-8265">442</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 171.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4076" xsi:nil="true" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" id="f-8266"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 594.75pt; position: var(--position); top: 171.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4077" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-8267">115</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 171.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4078" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-8268">534</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 684.75pt; position: var(--position); top: 171.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4079" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-8269">856</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729.75pt; position: var(--position); top: 171.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4080" xsi:nil="true" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" id="f-8270"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 171.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4081" xsi:nil="true" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" id="f-8271"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 171.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4082" xsi:nil="true" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" id="f-8272"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 171.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4083" xsi:nil="true" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" id="f-8273"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 171.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" scale="6" id="f-8274">994</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 171.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyAssets" format="ixt:num-dot-decimal" scale="6" id="f-8275">1,414</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 186pt; width: 459.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 459.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 186pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4074" decimals="-6" sign="-" name="ing:ExchangeRateDifferencesFairValueMeasurementAssets" scale="6" id="f-8276">31</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 504.75pt; position: var(--position); top: 186pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4075" decimals="-6" name="ing:ExchangeRateDifferencesFairValueMeasurementAssets" scale="6" id="f-8277">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 186pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4076" xsi:nil="true" name="ing:ExchangeRateDifferencesFairValueMeasurementAssets" id="f-8278"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 594.75pt; position: var(--position); top: 186pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4077" xsi:nil="true" name="ing:ExchangeRateDifferencesFairValueMeasurementAssets" id="f-8279"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 186pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4078" decimals="-6" sign="-" name="ing:ExchangeRateDifferencesFairValueMeasurementAssets" scale="6" id="f-8280">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 684.75pt; position: var(--position); top: 186pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4079" decimals="-6" name="ing:ExchangeRateDifferencesFairValueMeasurementAssets" scale="6" id="f-8281">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729.75pt; position: var(--position); top: 186pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4080" decimals="-6" sign="-" name="ing:ExchangeRateDifferencesFairValueMeasurementAssets" scale="6" id="f-8282">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 186pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4081" decimals="-6" sign="-" name="ing:ExchangeRateDifferencesFairValueMeasurementAssets" scale="6" id="f-8283">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 186pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4082" decimals="-6" sign="-" name="ing:ExchangeRateDifferencesFairValueMeasurementAssets" scale="6" id="f-8284">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 186pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4083" decimals="-6" name="ing:ExchangeRateDifferencesFairValueMeasurementAssets" scale="6" id="f-8285">49</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 186pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" sign="-" name="ing:ExchangeRateDifferencesFairValueMeasurementAssets" scale="6" id="f-8286">59</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 186pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" name="ing:ExchangeRateDifferencesFairValueMeasurementAssets" scale="6" id="f-8287">68</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 200.25pt; width: 459.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 459.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in the composition of the group and other changes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 200.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4074" xsi:nil="true" name="ing:ChangesInCompositionOfGroupAndOtherChanges" id="f-8288"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 504.75pt; position: var(--position); top: 200.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4075" xsi:nil="true" name="ing:ChangesInCompositionOfGroupAndOtherChanges" id="f-8289"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 200.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4076" xsi:nil="true" name="ing:ChangesInCompositionOfGroupAndOtherChanges" id="f-8290"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 594.75pt; position: var(--position); top: 200.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4077" xsi:nil="true" name="ing:ChangesInCompositionOfGroupAndOtherChanges" id="f-8291"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 200.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4078" xsi:nil="true" name="ing:ChangesInCompositionOfGroupAndOtherChanges" id="f-8292"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 684.75pt; position: var(--position); top: 200.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4079" xsi:nil="true" name="ing:ChangesInCompositionOfGroupAndOtherChanges" id="f-8293"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729.75pt; position: var(--position); top: 200.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4080" decimals="-6" name="ing:ChangesInCompositionOfGroupAndOtherChanges" scale="6" id="f-8294">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 200.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4081" xsi:nil="true" name="ing:ChangesInCompositionOfGroupAndOtherChanges" id="f-8295"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 200.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4082" decimals="-6" sign="-" name="ing:ChangesInCompositionOfGroupAndOtherChanges" scale="6" id="f-8296">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 200.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4083" xsi:nil="true" name="ing:ChangesInCompositionOfGroupAndOtherChanges" id="f-8297"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 200.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" sign="-" name="ing:ChangesInCompositionOfGroupAndOtherChanges" scale="6" id="f-8298">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 200.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3924" xsi:nil="true" name="ing:ChangesInCompositionOfGroupAndOtherChanges" id="f-8299"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 214.5pt; width: 459.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 459.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 214.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4084" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-8300">848</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 504.75pt; position: var(--position); top: 214.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4063" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-8301">873</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 214.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4085" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-8302">286</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 594.75pt; position: var(--position); top: 214.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4065" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-8303">421</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 639.75pt; position: var(--position); top: 214.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4086" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8304">3,499</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 684.75pt; position: var(--position); top: 214.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4067" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8305">1,849</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 729.75pt; position: var(--position); top: 214.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4087" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8306">3,547</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 214.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4069" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8307">3,492</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 214.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4088" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-8308">938</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 864.75pt; position: var(--position); top: 214.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4071" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" scale="6" id="f-8309">891</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 214.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3884" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8310">9,118</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 954.75pt; position: var(--position); top: 214.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.25pt;"></span></span><span style="left: 18.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3885" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8311">7,526</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-8175-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 329.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Net gains/losses were recorded as &#8216;Valuation results and net trading income&#8217; in the statement of profit or loss. The total amounts includes EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 557.1pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4089" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForAssetsHeldAtEndOfPeriodFairValueMeasurement" format="ixt:num-dot-decimal" scale="6" id="f-8312">316</ix:nonFraction> million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 596.51pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 601.05pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 619.05pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 639.1400000000001pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4090" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForAssetsHeldAtEndOfPeriodFairValueMeasurement" format="ixt:num-dot-decimal" scale="6" id="f-8313">171</ix:nonFraction> million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 681.53pt; position: var(--position); text-decoration: none; white-space: pre;">) of unrealised gains and losses recognised in the statement of profit or loss. <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 338.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Revaluation recognised in other comprehensive income is included on the line &#8216;Net change in fair value of debt instruments at fair value through other comprehensive income&#8217;.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, transfers into and out of Level 3 of financial assets mandatorily at fair value mainly relate to (long <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">term) reverse repurchase transactions for which the valuation being significantly impacted by unobservable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10.5pt; position: var(--position); top: 387.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">inputs and no longer significantly impacted by unobservable inputs, respectively<span style="display: inline-block; height: 7.64pt;"></span></span><span style="background-color: #ffffff; color: #ff0090; font-family: Arial; font-size: 10.5pt; font-style: normal; font-weight: normal; left: 399.13pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">.</span><span style="display: inline-block; height: 7.64pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, the transfer into Level 3 trading assets is mainly driven by debt securities that are part of a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">structure transferred into level 3 due to market illiquidity which decreased observability for an input.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 453.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2022, the transfers into Level 3 mainly consisted of (non) trading derivatives that were transferred to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 465.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Level 3 as a result of the valuation being significantly impacted by unobservable inputs. Furthermore, it <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 477.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">relates to debt obligations of which the valuation is being significantly impacted by unobservable inputs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Following the implementation of IFRS 17 on 1 January 2023, a portfolio of loans with death waivers has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">been reclassified from financial assets measured at amortised cost to financial assets mandatorily <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">measured at fair value through profit or loss as shown in reclassifications. For further information on the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">change in accounting policies, reference is made to Note 1 'Basis of preparation and material accounting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 552.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">policy information'. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2022, following the enhancement of the significance assessment, transfers into and out of Level 3 of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">financial assets mandatorily at fair value mainly relate to a portfolio of securitization loans. Furthermore, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 387.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transfers out of Level 3 relate to two syndicated deals due to the unobservable parameters were <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">insignificant.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2022, transfers into level 3 financial assets designated at fair value relate to government bonds of which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the valuation being significantly impacted by unobservable inputs.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -309<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-7850-10" continuedAt="f-7850-11"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFairValueMeasurementOfLiabilitiesExplanatory" id="f-8314" continuedAt="f-8314-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 142.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42.75pt;"/></tr><tr style="height: 12.75pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 1.25pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in Level 3 Financial liabilities<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 33pt; left: 142.5pt; position: var(--position); top: 12.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 22.5pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.6pt; position: var(--position); text-decoration: none; white-space: pre;">Trading liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 33pt; left: 225pt; position: var(--position); top: 12.75pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 11.7pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.36pt; position: var(--position); text-decoration: none; white-space: pre;">Non-trading <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 22.5pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.02pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 33pt; left: 309pt; overflow: hidden; position: var(--position); top: 12.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.04pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.04pt; position: var(--position); text-decoration: none; white-space: pre;">designated as at fair <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.29pt; position: var(--position); text-decoration: none; white-space: pre;">value through profit <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.03pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 61.56pt; position: var(--position); text-decoration: none; white-space: pre;">or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 33pt; left: 399pt; position: var(--position); top: 12.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 22.5pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 62.8pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 18.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 45.75pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 142.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 142.5pt; position: var(--position); top: 45.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 183.75pt; position: var(--position); top: 45.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 225pt; position: var(--position); top: 45.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 267pt; position: var(--position); top: 45.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 309pt; position: var(--position); top: 45.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 354pt; position: var(--position); top: 45.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 399pt; position: var(--position); top: 45.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 441.75pt; position: var(--position); top: 45.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 42.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 57.75pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance as at 1 January<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 57.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4091" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8315">229</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 183.75pt; position: var(--position); top: 57.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4092" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8316">160</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 225pt; position: var(--position); top: 57.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4093" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8317">449</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 57.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.25pt;"></span></span><span style="left: 28.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4094" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8318">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 57.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4095" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8319">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 57.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4096" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8320">135</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 57.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3885" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8321">732</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 57.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4073" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8322">330</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 33.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 33.75pt; left: 0pt; position: var(--position); top: 70.5pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised gain/loss recognised in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the statement of profit or loss <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.23pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">during the period<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 71.97pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 33.75pt; left: 142.5pt; position: var(--position); top: 70.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.94pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4097" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" scale="6" id="f-8323">224</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 33.75pt; left: 183.75pt; position: var(--position); top: 70.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.94pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4098" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" scale="6" id="f-8324">131</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 33.75pt; left: 225pt; position: var(--position); top: 70.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.94pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.84pt;"></span></span><span style="left: 20.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4099" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" scale="6" id="f-8325">151</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 33.75pt; left: 267pt; position: var(--position); top: 70.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.94pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.25pt;"></span></span><span style="left: 28.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4100" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" scale="6" id="f-8326">59</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 33.75pt; left: 309pt; position: var(--position); top: 70.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.94pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4101" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" scale="6" id="f-8327">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 33.75pt; left: 354pt; position: var(--position); top: 70.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.94pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4102" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" scale="6" id="f-8328">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 33.75pt; left: 399pt; position: var(--position); top: 70.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.94pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27pt;"></span></span><span style="left: 29.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" scale="6" id="f-8329">72</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 33.75pt; left: 441.75pt; position: var(--position); top: 70.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.94pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities" scale="6" id="f-8330">179</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 104.25pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Additions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 104.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.5pt;"></span></span><span style="left: 28.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4097" decimals="-6" name="ifrs-full:IssuesFairValueMeasurementLiabilities" scale="6" id="f-8331">53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 183.75pt; position: var(--position); top: 104.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4098" decimals="-6" name="ifrs-full:IssuesFairValueMeasurementLiabilities" scale="6" id="f-8332">124</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 225pt; position: var(--position); top: 104.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.25pt;"></span></span><span style="left: 28.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4099" decimals="-6" name="ifrs-full:IssuesFairValueMeasurementLiabilities" scale="6" id="f-8333">72</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 104.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 26.25pt;"></span></span><span style="left: 28.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4100" decimals="-6" name="ifrs-full:IssuesFairValueMeasurementLiabilities" scale="6" id="f-8334">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 104.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4101" decimals="-6" name="ifrs-full:IssuesFairValueMeasurementLiabilities" scale="6" id="f-8335">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 104.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4102" decimals="-6" name="ifrs-full:IssuesFairValueMeasurementLiabilities" scale="6" id="f-8336">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 104.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" name="ifrs-full:IssuesFairValueMeasurementLiabilities" scale="6" id="f-8337">142</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 104.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" name="ifrs-full:IssuesFairValueMeasurementLiabilities" scale="6" id="f-8338">153</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 117pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Redemptions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 117pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4097" decimals="-6" name="ing:EarlyRepaymentOfLiabilitiesFairValue" scale="6" id="f-8339">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 183.75pt; position: var(--position); top: 117pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.15pt;"></span></span><span style="left: 24.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4098" decimals="-6" name="ing:EarlyRepaymentOfLiabilitiesFairValue" scale="6" id="f-8340">38</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 225pt; position: var(--position); top: 117pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4099" decimals="-6" name="ing:EarlyRepaymentOfLiabilitiesFairValue" scale="6" id="f-8341">53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 117pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.31pt;"></span></span><span style="left: 33.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4100" decimals="-6" name="ing:EarlyRepaymentOfLiabilitiesFairValue" scale="6" id="f-8342">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 117pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4101" decimals="-6" name="ing:EarlyRepaymentOfLiabilitiesFairValue" scale="6" id="f-8343">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 117pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4102" decimals="-6" name="ing:EarlyRepaymentOfLiabilitiesFairValue" scale="6" id="f-8344">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 117pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.59pt;"></span></span><span style="left: 21.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" name="ing:EarlyRepaymentOfLiabilitiesFairValue" scale="6" id="f-8345">156</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 117pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" name="ing:EarlyRepaymentOfLiabilitiesFairValue" scale="6" id="f-8346">51</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 129.75pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Maturity/settlement<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 129.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.15pt;"></span></span><span style="left: 24.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4097" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-8347">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 183.75pt; position: var(--position); top: 129.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4098" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-8348">282</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 225pt; position: var(--position); top: 129.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4099" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-8349">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 129.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.96pt;"></span></span><span style="left: 30.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4100" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-8350">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 129.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4101" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-8351">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 129.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4102" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-8352">71</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 129.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 23.65pt;"></span></span><span style="left: 26.279999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-8353">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 129.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.59pt;"></span></span><span style="left: 21.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" name="ifrs-full:SettlementsFairValueMeasurementLiabilities" scale="6" id="f-8354">360</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 142.5pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfers into Level 3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 142.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.5pt;"></span></span><span style="left: 28.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4097" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8355">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 183.75pt; position: var(--position); top: 142.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4098" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8356">254</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 225pt; position: var(--position); top: 142.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.31pt;"></span></span><span style="left: 33.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4099" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8357">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 142.5pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4100" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8358">368</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 142.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4101" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8359">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 142.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4102" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8360">88</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 142.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27pt;"></span></span><span style="left: 29.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8361">72</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 142.5pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.94pt;"></span></span><span style="left: 24.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" name="ifrs-full:TransfersIntoLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8362">710</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 155.25pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfers out of Level 3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 155.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.15pt;"></span></span><span style="left: 24.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4097" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8363">49</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 183.75pt; position: var(--position); top: 155.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4098" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8364">117</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 225pt; position: var(--position); top: 155.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.31pt;"></span></span><span style="left: 33.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4099" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8365">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 155.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.9pt;"></span></span><span style="left: 25.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4100" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8366">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 155.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4101" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8367">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 155.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4102" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8368">88</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 155.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.59pt;"></span></span><span style="left: 21.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8369">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 155.25pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.59pt;"></span></span><span style="left: 21.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" name="ifrs-full:TransfersOutOfLevel3OfFairValueHierarchyLiabilities" scale="6" id="f-8370">226</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 168pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 168pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.56pt;"></span></span><span style="left: 33.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4097" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" scale="6" id="f-8371">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 183.75pt; position: var(--position); top: 168pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.21pt;"></span></span><span style="left: 29.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4098" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" scale="6" id="f-8372">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 225pt; position: var(--position); top: 168pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.31pt;"></span></span><span style="left: 33.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4099" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" scale="6" id="f-8373">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 168pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.31pt;"></span></span><span style="left: 33.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4100" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" scale="6" id="f-8374">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 168pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4101" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" scale="6" id="f-8375">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 168pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4102" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" scale="6" id="f-8376">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 168pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.06pt;"></span></span><span style="left: 34.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" scale="6" id="f-8377">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 168pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.71pt;"></span></span><span style="left: 31.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossOnExchangeDifferencesFairValueMeasurementLiabilities" scale="6" id="f-8378">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 180.75pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Closing balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 142.5pt; position: var(--position); top: 180.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.9pt;"></span></span><span style="left: 22.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4103" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8379">382</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 38.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 183.75pt; position: var(--position); top: 180.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.9pt;"></span></span><span style="left: 22.529999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4091" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8380">229</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 38.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 225pt; position: var(--position); top: 180.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.65pt;"></span></span><span style="left: 23.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4104" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8381">301</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 267pt; position: var(--position); top: 180.75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.65pt;"></span></span><span style="left: 23.279999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4093" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8382">449</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 309pt; position: var(--position); top: 180.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.89pt;"></span></span><span style="left: 31.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4105" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8383">47</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 354pt; position: var(--position); top: 180.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.89pt;"></span></span><span style="left: 31.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4095" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8384">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 399pt; position: var(--position); top: 180.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.4pt;"></span></span><span style="left: 24.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3884" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8385">729</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 180.75pt; width: 42.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 42.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.4pt;"></span></span><span style="left: 24.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3885" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValue" scale="6" id="f-8386">732</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 39.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-8314-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 263.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Net gains/losses were recorded as &#8216;Valuation results and net trading income&#8217; in the statement of profit or loss. The total amount <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 273.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">includes EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 94.58000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4106" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForAssetsHeldAtEndOfPeriodFairValueMeasurement" format="ixt:num-dot-decimal" scale="6" id="f-8387">72</ix:nonFraction> million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 129.49pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 134.03pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 152.03pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 172.12pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4107" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossAttributableToChangeInUnrealisedGainsOrLossesForAssetsHeldAtEndOfPeriodFairValueMeasurement" format="ixt:num-dot-decimal" scale="6" id="f-8388">179</ix:nonFraction>&#160;million<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 211.53pt; position: var(--position); text-decoration: none; white-space: pre;">) of unrealised gains and losses recognised in the statement of profit or loss.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 297.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023, financial liabilities transfers into and out of Level 3 mainly consisted of structured notes, measured <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 309.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as designated at fair value through profit or loss. The structured notes were transferred out of Level 3 as the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 321.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">valuation was no longer impacted by significantly unobservable inputs. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 348.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2022, the transfers into Level 3 mainly consisted of non-trading derivatives that were transferred to Level <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 360.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3 as a result of the valuation being significantly impacted by unobservable inputs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 389.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">g) Recognition of unrealised gains and losses in Level 3<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 404.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts recognised in the statement of profit or loss relating to unrealised gains and losses during the year <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that relates to Level 3 assets and liabilities are included in the line item &#8216;Valuation results and net trading <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">income&#8217; in the statement of profit or loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 459.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">h) Level 3: Sensitivity analysis of unobservable inputs<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 473.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Where the fair value of a financial instrument is determined using inputs which are unobservable and which <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 488.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">have a more than insignificant impact on the fair value of the instrument, the actual value of those inputs at <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the balance date may be drawn from a range of reasonably possible alternatives. In line with market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">practice the upper and lower bounds of the range of alternative input values reflect a<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 934.88pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 937.38pt; position: var(--position); text-decoration: none; white-space: pre;">level of valuation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">certainty. The actual levels chosen for the unobservable inputs in preparing the financial statements are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">consistent with the valuation methodology used for fair valued financial instruments.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In practice valuation uncertainty is measured and managed per exposure to individual valuation inputs (i.e. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk factors) at portfolio level across different product categories. Where the disclosure looks at individual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Level 3 inputs, the actual valuation adjustments may also reflect the benefits of portfolio offsets. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">This disclosure does not attempt to indicate or predict future fair value movement. The numbers in isolation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">give limited information as in most cases these Level 3 assets and liabilities should be seen in combination <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with other instruments (for example as a hedge) that are classified as Level 2.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 901.98pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 229.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfFairValueFinancialSensitivityAnalysisExplanatoryTableTextBlock" id="f-8389" continuedAt="f-8389-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The valuation uncertainty in the table below is broken down by related risk class rather than by product. The <span style="display: inline-block; height: 7.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-8389-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 241.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">possible impact of a change of unobservable inputs in the fair value of financial instruments where <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 253.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">unobservable inputs are significant to the valuation is as follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 280.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 305.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="5" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Sensitivity analysis of Level 3 instruments<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 45.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 305.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.85pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.47pt; position: var(--position); text-decoration: none; white-space: pre;">Positive fair&#160;value <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.25pt; position: var(--position); text-decoration: none; white-space: pre;">movements from <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.83pt; position: var(--position); text-decoration: none; white-space: pre;">using reasonable <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.38pt; position: var(--position); text-decoration: none; white-space: pre;">possible alternatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.85pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.19pt; position: var(--position); text-decoration: none; white-space: pre;">Negative fair&#160;value <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.25pt; position: var(--position); text-decoration: none; white-space: pre;">movements from <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.83pt; position: var(--position); text-decoration: none; white-space: pre;">using reasonable <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.38pt; position: var(--position); text-decoration: none; white-space: pre;">possible alternatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 60pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 305.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 60pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 60pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 60pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 60pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 72.75pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equity (equity derivatives, structured notes)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 72.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4108" decimals="-6" name="ing:PositiveFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8390">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 72.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4109" decimals="-6" name="ing:PositiveFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8391">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 72.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4108" decimals="-6" sign="-" name="ing:NegativeFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8392">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 72.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.96pt;"></span></span><span style="left: 33.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4109" decimals="-6" sign="-" name="ing:NegativeFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8393">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 85.5pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest rates (Rates derivatives, FX derivatives)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4110" decimals="-6" name="ing:PositiveFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8394">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4111" decimals="-6" name="ing:PositiveFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8395">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4110" decimals="-6" name="ing:NegativeFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8396">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 85.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4111" decimals="-6" sign="-" name="ing:NegativeFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8397">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Credit (Debt securities, Loans, structured notes, credit derivatives)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4112" decimals="-6" name="ing:PositiveFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8398">45</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4113" decimals="-6" name="ing:PositiveFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8399">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4112" decimals="-6" sign="-" name="ing:NegativeFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8400">54</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 98.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4113" decimals="-6" sign="-" name="ing:NegativeFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8401">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 112.5pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4114" decimals="-6" name="ing:PositiveFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8402">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4115" xsi:nil="true" name="ing:PositiveFairValueMovementsUsingPossibleAlternatives" id="f-8403"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4114" decimals="-6" sign="-" name="ing:NegativeFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8404">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 112.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4115" decimals="-6" sign="-" name="ing:NegativeFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8405">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.89pt;"></span></span><span style="left: 31.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" name="ing:PositiveFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8406">69</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.89pt;"></span></span><span style="left: 31.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" name="ing:PositiveFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8407">65</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.41pt;"></span></span><span style="left: 28.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3923" decimals="-6" sign="-" name="ing:NegativeFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8408">80</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 126.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.41pt;"></span></span><span style="left: 28.04pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3924" decimals="-6" sign="-" name="ing:NegativeFairValueMovementsUsingPossibleAlternatives" scale="6" id="f-8409">80</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 442.41pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfFairValueFinancialAssetsAndLiabilitiesAmortisedCostExplanatoryTableTextBlock" id="f-8410" continuedAt="f-8410-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">i) Financial instruments not measured at fair value<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-8410-1" continuedAt="f-8410-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following table presents the estimated fair values of the financial instruments not measured at fair <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">value in the statement of financial position.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -310<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-7850-11" continuedAt="f-7850-12"><div><ix:continuation id="f-8410-2"><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 387pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/></tr><tr style="height: 14.25pt;"><td colspan="13" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Methods applied in determining fair values of financial assets and liabilities (carried at amortised cost)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 387pt; position: var(--position); top: 14.25pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.05pt; position: var(--position); text-decoration: none; white-space: pre;">Carrying Amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 489pt; position: var(--position); top: 14.25pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.77pt; position: var(--position); text-decoration: none; white-space: pre;">Carrying amount <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.71pt; position: var(--position); text-decoration: none; white-space: pre;">presented as fair value<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 96.08pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 591pt; position: var(--position); top: 14.25pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 71.33pt; position: var(--position); text-decoration: none; white-space: pre;">Level 1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 693pt; position: var(--position); top: 14.25pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 71.33pt; position: var(--position); text-decoration: none; white-space: pre;">Level 2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 795pt; position: var(--position); top: 14.25pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 71.33pt; position: var(--position); text-decoration: none; white-space: pre;">Level 3<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 897pt; position: var(--position); top: 14.25pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.94pt; position: var(--position); text-decoration: none; white-space: pre;">Total fair value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 38.25pt; width: 387pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 387pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 38.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 38.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 489pt; position: var(--position); top: 38.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 540pt; position: var(--position); top: 38.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 38.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 642pt; position: var(--position); top: 38.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693pt; position: var(--position); top: 38.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 744pt; position: var(--position); top: 38.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 795pt; position: var(--position); top: 38.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846pt; position: var(--position); top: 38.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 897pt; position: var(--position); top: 38.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 948pt; position: var(--position); top: 38.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 387pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 387pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial Assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 65.25pt; width: 387pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 387pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 65.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4116" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8411">16,709</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 65.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4117" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8412">35,104</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 489pt; position: var(--position); top: 65.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4118" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8413">2,722</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 540pt; position: var(--position); top: 65.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4119" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8414">2,859</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 65.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.37pt;"></span></span><span style="left: 48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4120" xsi:nil="true" name="ifrs-full:LoansAndAdvancesToBanks" id="f-8415"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 642pt; position: var(--position); top: 65.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.37pt;"></span></span><span style="left: 48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4121" xsi:nil="true" name="ifrs-full:LoansAndAdvancesToBanks" id="f-8416"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693pt; position: var(--position); top: 65.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4122" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8417">11,430</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 744pt; position: var(--position); top: 65.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4123" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8418">29,459</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 795pt; position: var(--position); top: 65.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4124" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8419">2,511</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846pt; position: var(--position); top: 65.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4125" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8420">2,786</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 897pt; position: var(--position); top: 65.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4126" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8421">16,662</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 948pt; position: var(--position); top: 65.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4127" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8422">35,104</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 79.5pt; width: 387pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 387pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 79.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.85pt;"></span></span><span style="left: 15.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4116" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8423">647,313</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 79.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.85pt;"></span></span><span style="left: 15.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4117" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8424">644,893</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 489pt; position: var(--position); top: 79.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4118" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8425">15,681</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 540pt; position: var(--position); top: 79.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4119" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8426">19,095</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 79.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.37pt;"></span></span><span style="left: 48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4120" xsi:nil="true" name="ifrs-full:LoansAndAdvancesToCustomers" id="f-8427"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 642pt; position: var(--position); top: 79.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.37pt;"></span></span><span style="left: 48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4121" xsi:nil="true" name="ifrs-full:LoansAndAdvancesToCustomers" id="f-8428"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693pt; position: var(--position); top: 79.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4122" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8429">14,602</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 744pt; position: var(--position); top: 79.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4123" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8430">15,264</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 795pt; position: var(--position); top: 79.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.85pt;"></span></span><span style="left: 15.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4124" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8431">593,098</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846pt; position: var(--position); top: 79.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.85pt;"></span></span><span style="left: 15.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4125" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8432">575,805</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 897pt; position: var(--position); top: 79.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.85pt;"></span></span><span style="left: 15.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4126" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8433">623,381</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 948pt; position: var(--position); top: 79.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.85pt;"></span></span><span style="left: 15.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4127" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8434">610,164</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 93.75pt; width: 387pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 387pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Securities at amortised cost <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 387pt; position: var(--position); top: 93.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4116" decimals="-6" name="ing:SecuritiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8435">48,313</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 438pt; position: var(--position); top: 93.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4117" decimals="-6" name="ing:SecuritiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8436">48,160</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 489pt; position: var(--position); 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position: var(--position); top: 93.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.37pt;"></span></span><span style="left: 48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4119" xsi:nil="true" name="ing:SecuritiesAtAmortisedCost" id="f-8438"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591pt; position: var(--position); top: 93.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4120" decimals="-6" name="ing:SecuritiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8439">40,041</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 642pt; position: var(--position); top: 93.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4121" decimals="-6" name="ing:SecuritiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8440">39,787</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 693pt; position: var(--position); top: 93.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4122" decimals="-6" name="ing:SecuritiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8441">4,277</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 744pt; position: var(--position); top: 93.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4123" decimals="-6" name="ing:SecuritiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8442">3,160</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 795pt; position: var(--position); top: 93.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4124" decimals="-6" name="ing:SecuritiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8443">1,693</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846pt; position: var(--position); top: 93.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4125" decimals="-6" name="ing:SecuritiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8444">1,406</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 897pt; position: var(--position); top: 93.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4126" decimals="-6" name="ing:SecuritiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8445">46,010</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 948pt; position: var(--position); top: 93.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4127" decimals="-6" name="ing:SecuritiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8446">44,353</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 108pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.77pt;"></span></span><span style="left: 14.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4116" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-8447">712,335</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 108pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.77pt;"></span></span><span style="left: 14.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4117" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-8448">728,157</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 489pt; position: var(--position); top: 108pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.01pt;"></span></span><span style="left: 19.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4118" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-8449">18,403</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 540pt; position: var(--position); top: 108pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.01pt;"></span></span><span style="left: 19.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4119" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-8450">21,954</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 591pt; position: var(--position); top: 108pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.01pt;"></span></span><span style="left: 19.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4120" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-8451">40,041</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642pt; position: var(--position); top: 108pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.01pt;"></span></span><span style="left: 19.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4121" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-8452">39,788</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693pt; position: var(--position); top: 108pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.01pt;"></span></span><span style="left: 19.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4122" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-8453">30,308</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 744pt; position: var(--position); top: 108pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.01pt;"></span></span><span style="left: 19.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4123" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-8454">47,883</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 795pt; position: var(--position); top: 108pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.77pt;"></span></span><span style="left: 14.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4124" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-8455">597,302</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846pt; position: var(--position); top: 108pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.77pt;"></span></span><span style="left: 14.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4125" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-8456">579,996</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 108pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.77pt;"></span></span><span style="left: 14.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4126" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-8457">686,053</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 108pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.77pt;"></span></span><span style="left: 14.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4127" decimals="-6" name="ifrs-full:FinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-8458">689,621</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 133.5pt; width: 387pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 387pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 146.25pt; width: 387pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 387pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deposits from banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 146.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4128" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-8459">23,257</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 146.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4129" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-8460">56,632</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 489pt; position: var(--position); top: 146.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4130" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-8461">3,764</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 540pt; position: var(--position); top: 146.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4131" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-8462">3,696</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 591pt; position: var(--position); top: 146.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.37pt;"></span></span><span style="left: 48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4132" xsi:nil="true" name="ifrs-full:DepositsFromBanks" id="f-8463"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642pt; position: var(--position); top: 146.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.37pt;"></span></span><span style="left: 48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4133" xsi:nil="true" name="ifrs-full:DepositsFromBanks" id="f-8464"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693pt; position: var(--position); top: 146.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4134" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-8465">15,066</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 744pt; position: var(--position); top: 146.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4135" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-8466">48,524</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 795pt; position: var(--position); top: 146.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4136" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-8467">3,968</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846pt; position: var(--position); top: 146.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4137" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-8468">3,954</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 146.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4138" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-8469">22,799</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 146.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4139" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-8470">56,174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 159pt; width: 387pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 387pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 159pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.85pt;"></span></span><span style="left: 15.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4128" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8471">650,276</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 159pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.85pt;"></span></span><span style="left: 15.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4129" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8472">640,799</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 489pt; position: var(--position); top: 159pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.85pt;"></span></span><span style="left: 15.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4130" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8473">556,060</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 540pt; position: var(--position); top: 159pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.85pt;"></span></span><span style="left: 15.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4131" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8474">589,851</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 591pt; position: var(--position); top: 159pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.37pt;"></span></span><span style="left: 48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4132" xsi:nil="true" name="ifrs-full:DepositsFromCustomers" id="f-8475"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642pt; position: var(--position); top: 159pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.37pt;"></span></span><span style="left: 48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4133" xsi:nil="true" name="ifrs-full:DepositsFromCustomers" id="f-8476"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693pt; position: var(--position); top: 159pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4134" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8477">52,486</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 744pt; position: var(--position); top: 159pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4135" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8478">35,123</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 795pt; position: var(--position); top: 159pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4136" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8479">41,063</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846pt; position: var(--position); top: 159pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4137" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8480">15,331</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 159pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.85pt;"></span></span><span style="left: 15.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4138" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8481">649,609</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 159pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.85pt;"></span></span><span style="left: 15.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4139" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8482">640,306</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 171.75pt; width: 387pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 387pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities in issue<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 171.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.85pt;"></span></span><span style="left: 15.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4128" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-8483">124,670</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 171.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4129" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-8484">95,918</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 489pt; position: var(--position); top: 171.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.37pt;"></span></span><span style="left: 48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4130" xsi:nil="true" name="ifrs-full:DebtSecurities" id="f-8485"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 540pt; position: var(--position); top: 171.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.37pt;"></span></span><span style="left: 48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4131" xsi:nil="true" name="ifrs-full:DebtSecurities" id="f-8486"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 591pt; position: var(--position); top: 171.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4132" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-8487">62,197</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642pt; position: var(--position); top: 171.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4133" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-8488">43,352</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693pt; position: var(--position); top: 171.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4134" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-8489">42,606</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 744pt; position: var(--position); top: 171.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4135" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-8490">35,642</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 795pt; position: var(--position); top: 171.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4136" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-8491">20,450</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846pt; position: var(--position); top: 171.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4137" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-8492">17,796</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 171.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 12.85pt;"></span></span><span style="left: 15.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4138" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-8493">125,253</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 171.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4139" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-8494">96,790</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 184.5pt; width: 387pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 387pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Subordinated loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 184.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4128" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8495">15,401</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 184.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4129" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8496">15,786</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 489pt; position: var(--position); top: 184.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.37pt;"></span></span><span style="left: 48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4130" xsi:nil="true" name="ifrs-full:SubordinatedLiabilities" id="f-8497"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 540pt; position: var(--position); top: 184.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.37pt;"></span></span><span style="left: 48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4131" xsi:nil="true" name="ifrs-full:SubordinatedLiabilities" id="f-8498"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 591pt; position: var(--position); top: 184.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4132" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8499">15,050</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642pt; position: var(--position); top: 184.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4133" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8500">7,843</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693pt; position: var(--position); top: 184.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.19pt;"></span></span><span style="left: 32.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4134" decimals="-6" name="ifrs-full:SubordinatedLiabilities" scale="6" id="f-8501">311</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 744pt; position: var(--position); top: 184.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.97pt;"></span></span><span style="left: 25.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4135" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8502">7,705</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 795pt; position: var(--position); top: 184.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.37pt;"></span></span><span style="left: 48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4136" xsi:nil="true" name="ifrs-full:SubordinatedLiabilities" id="f-8503"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846pt; position: var(--position); top: 184.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.37pt;"></span></span><span style="left: 48pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4137" xsi:nil="true" name="ifrs-full:SubordinatedLiabilities" id="f-8504"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 184.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4138" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8505">15,361</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 184.5pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.91pt;"></span></span><span style="left: 20.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4139" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8506">15,548</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 48pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387pt; position: var(--position); top: 197.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.77pt;"></span></span><span style="left: 14.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4128" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8507">813,603</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 438pt; position: var(--position); top: 197.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.77pt;"></span></span><span style="left: 14.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4129" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8508">809,135</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 489pt; position: var(--position); top: 197.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.77pt;"></span></span><span style="left: 14.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4130" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8509">559,824</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 540pt; position: var(--position); top: 197.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.77pt;"></span></span><span style="left: 14.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4131" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8510">593,547</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 591pt; position: var(--position); top: 197.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.01pt;"></span></span><span style="left: 19.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4132" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8511">77,248</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 642pt; position: var(--position); top: 197.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.01pt;"></span></span><span style="left: 19.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4133" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8512">51,194</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 693pt; position: var(--position); top: 197.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.77pt;"></span></span><span style="left: 14.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4134" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8513">110,469</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 744pt; position: var(--position); top: 197.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.77pt;"></span></span><span style="left: 14.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4135" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8514">126,995</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 795pt; position: var(--position); top: 197.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.01pt;"></span></span><span style="left: 19.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4136" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8515">65,482</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846pt; position: var(--position); top: 197.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.01pt;"></span></span><span style="left: 19.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4137" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8516">37,082</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897pt; position: var(--position); top: 197.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.77pt;"></span></span><span style="left: 14.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4138" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8517">813,022</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 948pt; position: var(--position); top: 197.25pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.77pt;"></span></span><span style="left: 14.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4139" decimals="-6" name="ifrs-full:FinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8518">808,818</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 48.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 279.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">1 In accordance with IFRS and for the purpose of this disclosure, the carrying amount of financial instruments with an immediate on demand feature is presented as fair value</span><span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The aggregation of the fair values presented above does not represent, and should not be construed as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">representing, the underlying value of ING Group. These fair values were calculated for disclosure purposes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">only. The carrying amount of financial instruments presented in the above table includes, when applicable, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the fair value hedge adjustment, this explains why (for these cases) the carrying amount approximates fair <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">value.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For short term receivables from banks carrying amounts represent a reasonable estimate of the fair value. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The fair value of long term receivables from banks is estimated by discounting expected future cash flows <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">using a discount rate based on specific available market data, such as interest rates and appropriate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">spreads that reflects current credit risk or quoted bonds.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 481.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For short term loans carrying amounts represent a reasonable estimate of the fair value. The fair value of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">long term loans is estimated by discounting expected future cash flows using a discount rate that reflects <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 505.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">current credit risk, current interest rates, and other current market conditions where applicable. The fair <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">value of mortgage loans is estimated by taking into account prepayment behaviour. Loans with similar <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">characteristics are aggregated for calculation purposes.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Securities at amortised cost<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Where available, fair values for debt securities are generally based on quoted market prices. Quoted market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">prices are obtained from an exchange market, dealer, broker, industry group, pricing service, or regulatory <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">service. The quoted prices from non-exchange sources are reviewed on their tradability of market prices. If <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">quoted prices in an active market are not available, fair value is based on an analysis of available market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">inputs, which includes consensus prices obtained from one or more pricing services. Furthermore, fair values <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">are determined by valuation techniques discounting expected future cash flows using market interest rate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">curves, referenced credit spreads, maturity of the investment, and estimated prepayment rates where <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">applicable. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Deposits from banks<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For short term payables to banks carrying amounts represent a reasonable estimate of the fair value. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">fair value of long term payables to banks is estimated by discounting expected future cash flows using a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">discount rate based on available market interest rates and appropriate spreads that reflects ING&#8217;s own <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">credit risk.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 517.51pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 529.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In the current interest rate environment there is significant embedded value in our on-demand deposits, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 541.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">therefore providing a natural hedge against the impact from rising rates on financial assets. However, for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 553.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the purpose of this disclosure and in accordance with IFRS, the carrying amounts of deposits with an <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -311<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-7850-12"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">immediate on demand feature is presented as fair value.The fair value of deposits with fixed contractual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">terms has been estimated based on discounting future cash flows using the interest rates currently <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">applicable to deposits of similar maturities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities in issue<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The fair value of debt securities in issue is generally based on quoted market prices, or if not available, on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">estimated prices by discounting expected future cash flows using a current market interest rate and credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">spreads applicable to the yield, credit quality and maturity.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.91pt; width: 1080pt;"><span style="color: #696969; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Subordinated loans<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The fair value of publicly traded subordinated loans are based on quoted market prices when available. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Where no quoted market prices are available, fair value of the subordinated loans is estimated using <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">discounted cash flows based on interest rates and credit spreads that apply to similar instruments<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 478.92999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 244.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_301"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 244.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfGeneralHedgeAccountingExplanatory" id="f-8519" continuedAt="f-8519-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">36&#160;  Derivatives and hedge accounting<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-8519-1" continuedAt="f-8519-2"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 278.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Use of derivatives <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 293.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING uses derivatives for economic hedging purposes to manage its asset and liability portfolios and <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">structural risk positions. The primary objective of ING&#8217;s hedging activities is to manage the risks which arises <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">from structural imbalances in the duration and other profiles of its assets and liabilities. The objective of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">economic hedging is to enter into positions with an opposite risk profile to an identified risk exposure to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reduce that exposure. The main risks which are being hedged are interest rate risk and foreign currency <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exchange rate risk. These risks are primarily hedged with interest rate swaps, cross currency swaps and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">foreign exchange forwards/swaps.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING uses credit derivatives to manage its economic exposure to credit risk, including total return swaps and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">credit default swaps, to sell or buy protection for credit risk exposures in the loan, investment, and trading <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">portfolios. Hedge accounting is not applied in relation to these credit derivatives.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 447.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Hedge accounting <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 461.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives that qualify for hedge accounting under IFRS are classified and accounted for in accordance with <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 476.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the nature of the instrument hedged and the type of IFRS hedge accounting model that is applicable. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 488.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">three models applicable under IFRS are: fair value hedge accounting, cash flow hedge accounting, and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 500.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hedge accounting of a net investment in a foreign operation. How and to what extent these models are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 512.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">applied are described under the relevant headings below. The company&#8217;s detailed accounting policies for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 524.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">these three hedge models are set out in paragraph 1.5 &#8216;Financial instruments&#8217; of Note 1 &#8216;Basis of preparation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 536.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and material accounting policy information&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">IBOR transition <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to the note 'Risk management/ IBOR Transition' for information on how ING is managing <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the transition to alternative benchmark rates and ING's progress in completing the transition with respect to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 105.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives in hedge accounting relationships. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 134.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Fair value hedge accounting<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 149.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s fair value hedges principally consist of interest rate swaps that are used to protect against changes in <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the fair value of fixed-rate instruments due to movements in market interest rates. ING&#8217;s approach to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">manage market risk, including interest rate risk, is discussed in &#8216;Risk management &#8211;Market risk&#8217;. ING&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">exposure to interest rate risk is disclosed in paragraph &#8216;Interest rate risk in banking book&#8217;. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group designates specific non-contractual risk components of hedged items. This is usually determined <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">by designating benchmark interest rates such as EURIBOR, SOFR, SONIA or TONAR, between others, because <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the fair value of a fixed-rate instrument varies directly in response to changes in its benchmark interest rate.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">By using derivative financial instruments to hedge exposures to changes in interest rates, ING also exposes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">itself to credit risk of the derivative counterparty, which is not offset by the hedged item. ING minimises <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">counterparty credit risk in derivative instruments by clearing most of the derivatives through Central <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Clearing Counterparties. In addition, ING only enters into transactions with high-quality counterparties and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">requires posting collateral. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group applies fair value hedge accounting on micro level in which one hedged item is hedged with one <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">or multiple hedging instruments. Micro fair value hedge accounting is mainly applied on issued debt <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">securities and purchased debt instruments for hedging interest rate risk. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 391.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Before fair value hedge accounting is applied, ING determines whether an economic relationship between <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the hedged item and the hedging instrument exists based on an evaluation of the quantitative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">characteristics of these items and the hedged risk that is supported by quantitative analysis. ING considers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">whether the critical terms of the hedged item and hedging instrument closely align when assessing the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 439.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">presence of an economic relationship. ING evaluates whether the fair value of the hedged item and the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hedging instrument respond similarly to similar risks. In addition, ING is mainly using regression analysis to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assess whether the hedging instrument is expected to be and has been highly effective in offsetting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 475.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">changes in the fair value of the hedged item.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.51pt; width: 1080pt;"><ix:continuation id="f-3066-1" continuedAt="f-3066-2"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING uses the following derivative financial instruments in a fair value hedge accounting relationship:<span style="display: inline-block; height: 7.5pt;"></span></span></ix:continuation></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -312<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-8519-2" continuedAt="f-8519-3"><div><ix:continuation id="f-3066-2" continuedAt="f-3066-3"><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 272.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="5" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Gross carrying value of derivatives designated under fair value hedge accounting<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 23.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 272.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 12.75pt; width: 272.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 272.25pt; position: var(--position); top: 14.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 53.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 23.38pt; position: var(--position); text-decoration: none; white-space: pre;">Assets <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 13.43pt; width: 53.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 29.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 325.5pt; position: var(--position); top: 14.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 53.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.82pt; position: var(--position); text-decoration: none; white-space: pre;">Liabilities <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 13.43pt; width: 53.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 29.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 378.75pt; position: var(--position); top: 14.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 53.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 23.38pt; position: var(--position); text-decoration: none; white-space: pre;">Assets <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 13.43pt; width: 53.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 29.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 23.25pt; left: 432pt; position: var(--position); top: 14.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 53.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.82pt; position: var(--position); text-decoration: none; white-space: pre;">Liabilities <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 13.43pt; width: 53.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 29.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 37.5pt; width: 272.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 272.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">As at 31&#160;December<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 51.75pt; width: 272.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 272.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hedging instrument on interest rate risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66pt; width: 272.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 272.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Interest rate swaps<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 272.25pt; position: var(--position); top: 66pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4140" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" format="ixt:num-dot-decimal" scale="6" id="f-8520">3,011</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 325.5pt; position: var(--position); top: 66pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4140" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8521">6,410</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 378.75pt; position: var(--position); top: 66pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4141" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" format="ixt:num-dot-decimal" scale="6" id="f-8522">2,750</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432pt; position: var(--position); top: 66pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.22pt;"></span></span><span style="left: 27.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4141" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8523">8,047</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 80.25pt; width: 272.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 272.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Other interest derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 272.25pt; position: var(--position); top: 80.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4142" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-8524">284</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 325.5pt; position: var(--position); top: 80.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4142" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-8525">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 378.75pt; position: var(--position); top: 80.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4143" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-8526">395</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 432pt; position: var(--position); top: 80.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.5pt;"></span></span><span style="left: 40.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4143" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-8527">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 177.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The derivatives used for fair value hedge accounting are included in the statement of financial position line-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 189.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">item &#8216;Financial assets at fair value through profit or loss &#8211; Non-trading derivatives&#8217; for <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 421.94000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 442.15999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4144" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-8528">716</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 459.04999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 491.48pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 497.15999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 519.68pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 201.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 60.19pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4145" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-8529">836</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 77.08pt; position: var(--position); text-decoration: none; white-space: pre;"> million) respectively &#8216;Financial liabilities at fair value through profit or loss &#8211; Non-trading derivatives&#8217; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 213.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 60.19pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4146" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-8530">113</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 77.08pt; position: var(--position); text-decoration: none; white-space: pre;"> million (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 115.19pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 137.70999999999998pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 162.84pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4147" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-8531">244</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 179.73pt; position: var(--position); text-decoration: none; white-space: pre;"> million). The difference between the gross carrying value as presented in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 225.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">table and the net carrying value as presented in the statement of financial position is due to offsetting with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 237.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">other derivatives and collaterals paid or received.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 264.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For our main currencies the average fixed rate for interest rate swaps used in fair value hedge accounting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 276.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 57.129999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4148" decimals="4" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8532">2.76</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.03999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 90.72pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 113.24pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 118.15pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4149" decimals="4" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8533">2.75</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 146.06pt; position: var(--position); text-decoration: none; white-space: pre;">) for EUR and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 206.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4150" decimals="4" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8534">3.93</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 234.57pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 240.25pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 262.77pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 267.68pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4151" decimals="4" name="ifrs-full:AverageRateOfHedgingInstrument" scale="-2" id="f-8535">3.86</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 295.59000000000003pt; position: var(--position); text-decoration: none; white-space: pre;">) for USD. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory" id="f-8536" continuedAt="f-8536-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The following table shows the net notional amount of derivatives designated in fair value hedging, split into <span style="display: inline-block; height: 7.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-8536-1" continuedAt="f-8536-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the maturity of the instruments. The net notional amounts presented in the table are a combination of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">payer (-) and receiver (+) swaps.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 354.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 486pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 114.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 41.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="10" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 486pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 486pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Maturity derivatives designated in fair value hedging<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 114.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 114.75pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 24.75pt; width: 114.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.95pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 114.75pt; position: var(--position); top: 28.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.57pt; position: var(--position); text-decoration: none; white-space: pre;">Less <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.83pt; position: var(--position); text-decoration: none; white-space: pre;">than 1 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 11.23pt; position: var(--position); text-decoration: none; white-space: pre;">month<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 156pt; position: var(--position); top: 28.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 15.01pt; position: var(--position); text-decoration: none; white-space: pre;">1 to 3 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 7pt; position: var(--position); text-decoration: none; white-space: pre;">months<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 197.25pt; position: var(--position); top: 28.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.77pt; position: var(--position); text-decoration: none; white-space: pre;">3 to 12 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 7pt; position: var(--position); text-decoration: none; white-space: pre;">months<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 238.5pt; position: var(--position); top: 28.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 15.01pt; position: var(--position); text-decoration: none; white-space: pre;">1 to 2 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 15.57pt; position: var(--position); text-decoration: none; white-space: pre;">years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 279.75pt; position: var(--position); top: 28.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 15.01pt; position: var(--position); text-decoration: none; white-space: pre;">2 to 3 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 15.57pt; position: var(--position); text-decoration: none; white-space: pre;">years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 321pt; position: var(--position); top: 28.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 15.01pt; position: var(--position); text-decoration: none; white-space: pre;">3 to 4 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 15.57pt; position: var(--position); text-decoration: none; white-space: pre;">years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 362.25pt; position: var(--position); top: 28.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 15.01pt; position: var(--position); text-decoration: none; white-space: pre;">4 to 5 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 15.57pt; position: var(--position); text-decoration: none; white-space: pre;">years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 403.5pt; position: var(--position); top: 28.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.94pt; position: var(--position); text-decoration: none; white-space: pre;">&gt;5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 444.75pt; position: var(--position); top: 28.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 41.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 17.32pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 63.75pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 114.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hedging instrument on <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 114.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">interest rate risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 87.75pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 114.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Interest rate swaps<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 114.75pt; position: var(--position); top: 87.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4152" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8537">670</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 156pt; position: var(--position); top: 87.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.44pt;"></span></span><span style="left: 23.07pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4153" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8538">623</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 197.25pt; position: var(--position); top: 87.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4154" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8539">4,648</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 238.5pt; position: var(--position); top: 87.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4155" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8540">9,482</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 87.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.16pt;"></span></span><span style="left: 10.79pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4156" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8541">13,201</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 321pt; position: var(--position); top: 87.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4157" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8542">7,224</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 362.25pt; position: var(--position); top: 87.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.16pt;"></span></span><span style="left: 10.79pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4158" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8543">10,164</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 87.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4159" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8544">1,798</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444.75pt; position: var(--position); top: 87.75pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.16pt;"></span></span><span style="left: 10.79pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4160" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8545">46,471</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 100.5pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 114.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Other interest derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 114.75pt; position: var(--position); top: 100.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.62pt;"></span></span><span style="left: 38.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4161" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8546"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 156pt; position: var(--position); top: 100.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.15pt;"></span></span><span style="left: 24.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4162" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8547">42</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 197.25pt; position: var(--position); top: 100.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4163" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8548">183</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 238.5pt; position: var(--position); top: 100.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4164" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8549">361</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 100.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4165" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8550">263</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 321pt; position: var(--position); top: 100.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4166" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8551">230</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 362.25pt; position: var(--position); top: 100.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4167" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8552">277</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 100.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4168" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8553">442</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444.75pt; position: var(--position); top: 100.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.87pt;"></span></span><span style="left: 12.5pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4169" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8554">1,797</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 113.25pt; width: 114.75pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 3.75pt; width: 114.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.95pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 127.5pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 114.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hedging instrument on <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 114.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">interest rate risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 151.5pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 114.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Interest rate swaps<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 114.75pt; position: var(--position); top: 151.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.15pt;"></span></span><span style="left: 24.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4170" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8555">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 156pt; position: var(--position); top: 151.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4171" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8556">1,295</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 197.25pt; position: var(--position); top: 151.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4172" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8557">5,744</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 238.5pt; position: var(--position); top: 151.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4173" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8558">5,727</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 151.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4174" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8559">9,526</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 321pt; position: var(--position); top: 151.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4175" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8560">9,153</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 362.25pt; position: var(--position); top: 151.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.22pt;"></span></span><span style="left: 15.850000000000001pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4176" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8561">6,638</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 151.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.16pt;"></span></span><span style="left: 10.79pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4177" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8562">16,454</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444.75pt; position: var(--position); top: 151.5pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.16pt;"></span></span><span style="left: 10.79pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4178" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8563">54,523</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 164.25pt; width: 114.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 114.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Other interest derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 114.75pt; position: var(--position); top: 164.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.15pt;"></span></span><span style="left: 24.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4179" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8564">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 156pt; position: var(--position); top: 164.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.15pt;"></span></span><span style="left: 24.779999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4180" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8565">55</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 197.25pt; position: var(--position); top: 164.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4181" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8566">190</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 238.5pt; position: var(--position); top: 164.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4182" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8567">260</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 164.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4183" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8568">415</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 321pt; position: var(--position); top: 164.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4184" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8569">216</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 362.25pt; position: var(--position); top: 164.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4185" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8570">228</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 403.5pt; position: var(--position); top: 164.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.09pt;"></span></span><span style="left: 19.72pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4186" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8571">296</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 444.75pt; position: var(--position); top: 164.25pt; width: 41.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 41.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 9.87pt;"></span></span><span style="left: 12.5pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4187" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8572">1,669</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 38.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Gains and losses on derivatives designated under fair value hedge accounting are recognised in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 79.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">statement of profit or loss. The effective portion of the fair value change on the hedged item is also <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 93.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">recognised in the statement of profit or loss in 'Valuation results and net trading income'. As a result, only <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 107.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the net accounting ineffectiveness has an impact on the net result.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -313<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-8519-3" continuedAt="f-8519-4"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfDetailedInformationAboutHedgedItemsExplanatory" id="f-8573" continuedAt="f-8573-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 995.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 285pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 97.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 97.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 97.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 97.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 125.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 97.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 97.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="8" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 995.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 995.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Hedged items included in a fair value hedging relationship<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 45.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 285pt; position: var(--position); top: 14.25pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 40.39pt; position: var(--position); text-decoration: none; white-space: pre;">Carrying amount of the hedged items<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 480pt; position: var(--position); top: 14.25pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.05pt; position: var(--position); text-decoration: none; white-space: pre;">Accumulated amount of fair value hedge <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.07pt; position: var(--position); text-decoration: none; white-space: pre;">adjustment on the hedged item included in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.51pt; position: var(--position); text-decoration: none; white-space: pre;">the carrying amount of the hedged item<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 675pt; position: var(--position); top: 14.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.18pt; position: var(--position); text-decoration: none; white-space: pre;">Change in fair value of the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.62pt; position: var(--position); text-decoration: none; white-space: pre;">hedged item for measuring <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.85pt; position: var(--position); text-decoration: none; white-space: pre;">ineffectiveness for the period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 800.25pt; position: var(--position); top: 14.25pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.33pt; position: var(--position); text-decoration: none; white-space: pre;">Change in fair value <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.08pt; position: var(--position); text-decoration: none; white-space: pre;">hedging instruments <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 40.31pt; position: var(--position); text-decoration: none; white-space: pre;">for the period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 897.75pt; position: var(--position); top: 14.25pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.85pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.74pt; position: var(--position); text-decoration: none; white-space: pre;">Hedge ineffectiveness <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 25.66pt; position: var(--position); text-decoration: none; white-space: pre;">recognised in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.99pt; position: var(--position); text-decoration: none; white-space: pre;">statement of profit or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.93pt; position: var(--position); text-decoration: none; white-space: pre;">loss gain (+) / loss (-)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 60pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 285pt; position: var(--position); top: 60pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 67.63pt; position: var(--position); text-decoration: none; white-space: pre;">Assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 382.5pt; position: var(--position); top: 60pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 55.07pt; position: var(--position); text-decoration: none; white-space: pre;">Liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 480pt; position: var(--position); top: 60pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 67.63pt; position: var(--position); text-decoration: none; white-space: pre;">Assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 577.5pt; position: var(--position); top: 60pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 55.07pt; position: var(--position); text-decoration: none; white-space: pre;">Liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 72.75pt; width: 285pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 2.44pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.95pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 85.5pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest rate risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 98.25pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Amounts due from banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 285pt; position: var(--position); top: 98.25pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 91.87pt;"></span></span><span style="left: 94.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 480pt; position: var(--position); top: 98.25pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 91.87pt;"></span></span><span style="left: 94.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 98.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 119.62pt;"></span></span><span style="left: 122.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 111pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Debt securities at fair value through other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 285pt; position: var(--position); top: 111pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.41pt;"></span></span><span style="left: 67.03999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4188" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-8574">31,224</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 480pt; position: var(--position); top: 111pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 83.54pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 111pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.22pt;"></span></span><span style="left: 99.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4189" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8575">1,224</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 123.75pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Loans at FVOCI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 285pt; position: var(--position); top: 123.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 91.87pt;"></span></span><span style="left: 94.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 480pt; position: var(--position); top: 123.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 83.54pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 123.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 119.62pt;"></span></span><span style="left: 122.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 136.5pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Loans and advances to customers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 285pt; position: var(--position); top: 136.5pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.69pt;"></span></span><span style="left: 79.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4190" decimals="-6" name="ifrs-full:HedgedItemAssets" scale="6" id="f-8576">898</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 480pt; position: var(--position); top: 136.5pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 91.87pt;"></span></span><span style="left: 94.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 136.5pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.5pt;"></span></span><span style="left: 112.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4191" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8577">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 149.25pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Debt instruments at amortised cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 285pt; position: var(--position); top: 149.25pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.47pt;"></span></span><span style="left: 72.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4192" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-8578">8,272</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 480pt; position: var(--position); top: 149.25pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.34pt;"></span></span><span style="left: 75.97pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4192" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets" scale="6" id="f-8579">205</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 149.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 104.44pt;"></span></span><span style="left: 107.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4193" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8580">234</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 162pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Debt securities in issue<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 382.5pt; position: var(--position); top: 162pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.41pt;"></span></span><span style="left: 67.03999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4194" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8581">70,280</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 577.5pt; position: var(--position); top: 162pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.12pt;"></span></span><span style="left: 68.75pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4194" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8582">3,383</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 162pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 93.87pt;"></span></span><span style="left: 96.5pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4195" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8583">2,680</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 174.75pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Subordinated loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 382.5pt; position: var(--position); top: 174.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.41pt;"></span></span><span style="left: 67.03999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4196" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8584">14,643</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 577.5pt; position: var(--position); top: 174.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.34pt;"></span></span><span style="left: 75.97pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4196" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesLiabilities" scale="6" id="f-8585">834</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 174.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.09pt;"></span></span><span style="left: 103.72pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4197" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8586">473</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 187.5pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Amounts due to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 577.5pt; position: var(--position); top: 187.5pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 91.87pt;"></span></span><span style="left: 94.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 187.5pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 119.62pt;"></span></span><span style="left: 122.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 200.25pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Customer deposits and other funds on deposit<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 382.5pt; position: var(--position); top: 200.25pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.75pt;"></span></span><span style="left: 84.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4198" decimals="-6" name="ifrs-full:HedgedItemLiabilities" scale="6" id="f-8587">44</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 577.5pt; position: var(--position); top: 200.25pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.46pt;"></span></span><span style="left: 86.08999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4198" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesLiabilities" scale="6" id="f-8588">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 200.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 119.62pt;"></span></span><span style="left: 122.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 213pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Discontinued hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 382.5pt; position: var(--position); top: 213pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 91.87pt;"></span></span><span style="left: 94.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 480pt; position: var(--position); top: 213pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.75pt;"></span></span><span style="left: 84.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4199" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets" scale="6" id="f-8589">91</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 577.5pt; position: var(--position); top: 213pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.46pt;"></span></span><span style="left: 86.08999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4199" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesLiabilities" scale="6" id="f-8590">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 213pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 119.62pt;"></span></span><span style="left: 122.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 225.75pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 285pt; position: var(--position); top: 225.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.51pt;"></span></span><span style="left: 66.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4199" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-8591">40,394</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 94.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 382.5pt; position: var(--position); top: 225.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.51pt;"></span></span><span style="left: 66.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4199" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8592">84,967</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 94.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 480pt; position: var(--position); top: 225.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.67pt;"></span></span><span style="left: 75.3pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4199" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-8593">113</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 94.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 577.5pt; position: var(--position); top: 225.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.27pt;"></span></span><span style="left: 67.89999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4199" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8594">4,221</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 94.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 225.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 93.02pt;"></span></span><span style="left: 95.64999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4200" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8595">1,679</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 122.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 225.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.75pt;"></span></span><span style="left: 71.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4200" decimals="-6" name="ifrs-full:GainsLossesOnChangeInFairValueOfDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-8596">1,606</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 94.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897.75pt; position: var(--position); top: 225.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78pt;"></span></span><span style="left: 80.63pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4200" decimals="-6" sign="-" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-8597">73</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 238.5pt; width: 285pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 2.44pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.95pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 251.25pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest rate risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 264pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Amounts due from banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 285pt; position: var(--position); top: 264pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 91.87pt;"></span></span><span style="left: 94.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 480pt; position: var(--position); top: 264pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 91.87pt;"></span></span><span style="left: 94.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 264pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 119.62pt;"></span></span><span style="left: 122.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 276.75pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Debt securities at fair value through other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 285pt; position: var(--position); top: 276.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.41pt;"></span></span><span style="left: 67.03999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4201" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-8598">19,816</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 480pt; position: var(--position); top: 276.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 83.54pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 276.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 93.87pt;"></span></span><span style="left: 96.5pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4202" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8599">2,798</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 289.5pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Loans at FVOCI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 285pt; position: var(--position); top: 289.5pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 91.87pt;"></span></span><span style="left: 94.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 480pt; position: var(--position); top: 289.5pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 83.54pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 289.5pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 119.62pt;"></span></span><span style="left: 122.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 302.25pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Loans and advances to customers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 285pt; position: var(--position); top: 302.25pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.69pt;"></span></span><span style="left: 79.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4203" decimals="-6" name="ifrs-full:HedgedItemAssets" scale="6" id="f-8600">879</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 480pt; position: var(--position); top: 302.25pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78.4pt;"></span></span><span style="left: 81.03pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4203" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets" scale="6" id="f-8601">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 302.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.15pt;"></span></span><span style="left: 108.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4204" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8602">90</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 315pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Debt instruments at amortised cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 285pt; position: var(--position); top: 315pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.47pt;"></span></span><span style="left: 72.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4205" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-8603">4,098</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 480pt; position: var(--position); top: 315pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.34pt;"></span></span><span style="left: 75.97pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4205" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets" scale="6" id="f-8604">448</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 315pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 101.09pt;"></span></span><span style="left: 103.72pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4206" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8605">678</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 327.75pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Debt securities in issue<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 382.5pt; position: var(--position); top: 327.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.41pt;"></span></span><span style="left: 67.03999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4207" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8606">61,449</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 577.5pt; position: var(--position); top: 327.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.12pt;"></span></span><span style="left: 68.75pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4207" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8607">6,122</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 327.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.22pt;"></span></span><span style="left: 99.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4208" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8608">7,658</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 340.5pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Subordinated loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 382.5pt; position: var(--position); top: 340.5pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.41pt;"></span></span><span style="left: 67.03999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4209" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8609">14,750</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 577.5pt; position: var(--position); top: 340.5pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.12pt;"></span></span><span style="left: 68.75pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4209" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8610">1,344</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 340.5pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.22pt;"></span></span><span style="left: 99.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4210" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8611">1,470</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 353.25pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Amounts due to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 382.5pt; position: var(--position); top: 353.25pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 91.87pt;"></span></span><span style="left: 94.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 577.5pt; position: var(--position); top: 353.25pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 91.87pt;"></span></span><span style="left: 94.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 353.25pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 119.62pt;"></span></span><span style="left: 122.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 366pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Customer deposits and other funds on deposit<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 382.5pt; position: var(--position); top: 366pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 91.87pt;"></span></span><span style="left: 94.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 577.5pt; position: var(--position); top: 366pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 91.87pt;"></span></span><span style="left: 94.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 366pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 114.56pt;"></span></span><span style="left: 117.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4211" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8612">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 378.75pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Discontinued hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 480pt; position: var(--position); top: 378.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.69pt;"></span></span><span style="left: 79.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4212" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets" scale="6" id="f-8613">261</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 577.5pt; position: var(--position); top: 378.75pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.46pt;"></span></span><span style="left: 86.08999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4212" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesLiabilities" scale="6" id="f-8614">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 378.75pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 119.62pt;"></span></span><span style="left: 122.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 122.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 391.5pt; width: 285pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 285pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 285pt; position: var(--position); top: 391.5pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.51pt;"></span></span><span style="left: 66.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4212" decimals="-6" name="ifrs-full:HedgedItemAssets" format="ixt:num-dot-decimal" scale="6" id="f-8615">24,794</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 94.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 382.5pt; position: var(--position); top: 391.5pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.51pt;"></span></span><span style="left: 66.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4212" decimals="-6" name="ifrs-full:HedgedItemLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8616">76,199</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 94.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 480pt; position: var(--position); top: 391.5pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.67pt;"></span></span><span style="left: 75.3pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4212" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-8617">208</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 94.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 577.5pt; position: var(--position); top: 391.5pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.27pt;"></span></span><span style="left: 67.89999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4212" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8618">7,468</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 94.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 675pt; position: var(--position); top: 391.5pt; width: 125.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 125.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.5pt;"></span></span><span style="left: 99.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4213" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgedItemUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8619">5,563</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 122.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 800.25pt; position: var(--position); top: 391.5pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.27pt;"></span></span><span style="left: 67.89999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4213" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnChangeInFairValueOfDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-8620">5,928</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 94.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 897.75pt; position: var(--position); top: 391.5pt; width: 97.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 97.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.76pt;"></span></span><span style="left: 75.39pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4213" decimals="-6" sign="-" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-8621">365</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 94.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">During 2023, the interest rate movements significantly affected the fair value changes of both the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives and the hedged items designated in fair value hedges. However, no material hedging <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">relationship was discontinued as a result of the interest rate movements in 2023. Refer to note 22 &#8216;Valuation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 540.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">results and net trading income'. In addition, the increase in hedged items is due to higher volumes in loans <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 552.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and advances and debt securities designated in hedge accounting.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -314<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-8519-4" continuedAt="f-8519-5"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The main sources of ineffectiveness are:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">differences in maturities of the hedged item(s) and hedging instrument(s);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 89.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">different interest rate curves applied to discount the hedged item(s) and hedging instrument(s);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 102.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">differences in timing of cash flows of the hedged item(s) and hedging instrument(s).<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 130.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">There were no other sources of significant ineffectiveness in these hedging relationships.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 159.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Cash flow hedge accounting<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 173.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING applies cash flow hedge accounting on micro and macro level. ING&#8217;s cash flow hedges mainly consist of <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 188.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest rate swaps and cross-currency swaps that are used to protect against the exposure to variability in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 200.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">future cash flows on non-trading assets and liabilities that bear interest at variable rates or are expected to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 212.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">be refunded or reinvested in the future. The amounts and timing of future cash flows, representing both <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 224.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">principal and interest flows, are projected for each portfolio of financial assets and liabilities, based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 236.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">contractual terms and other variables including estimates of prepayments. These projected cash flows form <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 248.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the basis for identifying the notional amount subject to interest rate risk or foreign currency exchange rate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 260.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk that is designated under cash flow hedge accounting.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 287.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s approach to manage market risk, including interest rate risk and foreign currency exchange rate risk, is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 299.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">discussed in &#8216;Risk management &#8211; Credit risk and Market risk&#8217;. ING determines the amount of the exposures <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 311.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to which it applies hedge accounting by assessing the potential impact of changes in interest rates and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 323.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">foreign currency exchange rates on the future cash flows from its floating-rate assets and liabilities. This <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 335.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">assessment is performed using analytical techniques. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As noted above for fair value hedges, by using derivative financial instruments to hedge exposures to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">changes in interest rates and foreign currency exchange rates, ING exposes itself to credit risk of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 386.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">derivative counterparty, which is not offset by the hedged items. This exposure is managed similarly to that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 398.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for fair value hedges. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 425.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Gains and losses on the effective portions of derivatives designated under cash flow hedge accounting are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 437.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">recognised in Other Comprehensive Income. Interest cash flows on these derivatives are recognised in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 449.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statement of profit or loss in &#8216;Net interest income&#8217; consistent with the manner in which the forecasted cash <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 461.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">flows affect net result. The gains and losses on ineffective portions of such derivatives are recognised <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 473.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">immediately in the statement of profit or loss in &#8216;Valuation results and net trading income&#8217;. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 500.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING determines an economic relationship between the cash flows of the hedged item and the hedging <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 512.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">instrument based on an evaluation of the quantitative characteristics of these items and the hedged risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 524.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that is supported by quantitative analysis. ING considers whether the critical terms of the hedged item and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 536.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">hedging instrument closely align when assessing the presence of an economic relationship. ING evaluates <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 548.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">whether the cash flows of the hedged item and the hedging instrument respond similarly to the hedged <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">risk, such as the benchmark interest rate of foreign currency. In addition, a regression analysis is performed <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">to assess whether the hedging instrument is expected to be and has been highly effective in offsetting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">changes in the fair value of the hedged item. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING uses the following derivative financial instruments in a cash flow hedge accounting relationship:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 142.91pt; width: 1080pt;"><ix:continuation id="f-3066-3"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 305.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 39.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 49.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 42pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/></tr><tr style="height: 18pt;"><td colspan="5" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 18pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 4.56pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Gross carrying value of derivatives used for cash flow hedge accounting<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 18pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.88pt; position: var(--position); text-decoration: none; white-space: pre;">Assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345pt; position: var(--position); top: 18pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 7.07pt; position: var(--position); text-decoration: none; white-space: pre;">Liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 18pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.13pt; position: var(--position); text-decoration: none; white-space: pre;">Assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 18pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.57pt; position: var(--position); text-decoration: none; white-space: pre;">Liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 32.25pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 305.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 32.25pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345pt; position: var(--position); top: 32.25pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 32.25pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 32.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 46.5pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">As at 31&#160;December<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 60.75pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hedging instrument on interest rate risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 75pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Interest rate swaps<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 75pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.66pt;"></span></span><span style="left: 9.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4214" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" format="ixt:num-dot-decimal" scale="6" id="f-8622">11,839</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345pt; position: var(--position); top: 75pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.41pt;"></span></span><span style="left: 19.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4214" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8623">14,051</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 75pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.91pt;"></span></span><span style="left: 11.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4215" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" format="ixt:num-dot-decimal" scale="6" id="f-8624">10,038</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4215" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-8625">14,836</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 89.25pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hedging instrument on FX rate risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 103.5pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Cross currency swaps<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 103.5pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 18.94pt;"></span></span><span style="left: 21.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4216" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-8626">324</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345pt; position: var(--position); top: 103.5pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.75pt;"></span></span><span style="left: 36.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4216" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-8627">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 117.75pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hedging instrument on combined interest and FX rate risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 132pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Cross currency interest rate swaps<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 132pt; width: 39.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 39.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24pt;"></span></span><span style="left: 26.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4217" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-8628">57</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 36.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345pt; position: var(--position); top: 132pt; width: 49.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 49.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.81pt;"></span></span><span style="left: 41.440000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4217" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-8629">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 46.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 394.5pt; position: var(--position); top: 132pt; width: 42pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 42pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 21.19pt;"></span></span><span style="left: 23.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4218" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-8630">428</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 39pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 436.5pt; position: var(--position); top: 132pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4218" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-8631">168</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 309.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The derivatives used for cash flow hedge accounting are included in the statement of financial position line-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 321.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">item &#8216;Financial assets at fair value through profit or loss &#8211; Non-trading derivatives&#8217; EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 942.25pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4219" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-8632">440</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 959.14pt; position: var(--position); text-decoration: none; white-space: pre;"> million (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 997.25pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1019.77pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 333.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 575.24pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4220" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-8633">814</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 592.13pt; position: var(--position); text-decoration: none; white-space: pre;"> million) respectively &#8216;Financial liabilities at fair value through profit or loss &#8211; Non-trading derivatives&#8217; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 345.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 575.24pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4221" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-8634">458</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 592.13pt; position: var(--position); text-decoration: none; white-space: pre;"> million (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 630.24pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 652.76pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 677.89pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4222" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" format="ixt:num-dot-decimal" scale="6" id="f-8635">1,275</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 702.8199999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> million). The difference between the gross carrying value as presented in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 357.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the table and the net carrying value as presented in the statement of financial position is due to offsetting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 369.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with other derivatives and collaterals paid or received.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 396.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For the main currencies the average fixed rate for interest rate swaps used in cash flow hedge accounting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 408.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">are <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 572.18pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4223" decimals="4" name="ing:FixedInterestRate" scale="-2" id="f-8636">1.26</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 600.09pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 605.77pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 628.29pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 633.2pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4224" decimals="4" name="ing:FixedInterestRate" scale="-2" id="f-8637">0.51</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 661.11pt; position: var(--position); text-decoration: none; white-space: pre;">) for EUR, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 704.38pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4225" decimals="4" name="ing:FixedInterestRate" scale="-2" id="f-8638">4.09</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 732.29pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 737.97pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 760.49pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 765.4pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4226" decimals="4" name="ing:FixedInterestRate" scale="-2" id="f-8639">3.27</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 793.31pt; position: var(--position); text-decoration: none; white-space: pre;">) for PLN, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 836.0899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4227" decimals="4" name="ing:FixedInterestRate" scale="-2" id="f-8640">4.33</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 864pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 869.6800000000001pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 892.2pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 897.1099999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4228" decimals="4" name="ing:FixedInterestRate" scale="-2" id="f-8641">1.96</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 925.02pt; position: var(--position); text-decoration: none; white-space: pre;">) for USD and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 986.2pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4229" decimals="4" name="ing:FixedInterestRate" scale="-2" id="f-8642">2.80</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1014.1099999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 420.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 558.1999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 580.72pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 585.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4230" decimals="4" name="ing:FixedInterestRate" scale="-2" id="f-8643">1.28</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 613.54pt; position: var(--position); text-decoration: none; white-space: pre;">) for AUD. The average currency exchange rates for cross currency swaps used in cash flow <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">hedge accounting is for EUR/USD <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 704.11pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4231" decimals="2" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8644">0.98</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 723.41pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 729.0899999999999pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 751.61pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 756.52pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4232" decimals="2" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8645">0.99</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 775.8199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">) and for EUR/AUD <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 859.3pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4233" decimals="2" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8646">1.58</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 878.5999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 884.28pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 906.8pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 911.71pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4234" decimals="2" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8647">1.58</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 931.01pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following table shows the net notional amount of derivatives designated in cash flow hedging split into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the maturity of the instruments. The net notional amounts presented in the table are a combination of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">payer (+) and receiver (-) swaps.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -315<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-8519-5" continuedAt="f-8519-6"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:continuation id="f-8536-2" continuedAt="f-8536-3"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 80.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="10" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Maturity derivatives designated in cash flow hedging<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 80.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 36.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 0pt; position: var(--position); top: 28.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.65pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 15.45pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 26.25pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 80.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 4.65pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.77pt; position: var(--position); text-decoration: none; white-space: pre;">Less than <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 15.45pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.13pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.98pt; position: var(--position); text-decoration: none; white-space: pre;">month<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 125.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.45pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.76pt; position: var(--position); text-decoration: none; white-space: pre;">1 to 3 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.75pt; position: var(--position); text-decoration: none; white-space: pre;">months<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 170.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.45pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.52pt; position: var(--position); text-decoration: none; white-space: pre;">3 to 12<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.75pt; position: var(--position); text-decoration: none; white-space: pre;">months<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 215.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.45pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.76pt; position: var(--position); text-decoration: none; white-space: pre;">1 to 2 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.32pt; position: var(--position); text-decoration: none; white-space: pre;">years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 260.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.45pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.76pt; position: var(--position); text-decoration: none; white-space: pre;">2 to 3 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.32pt; position: var(--position); text-decoration: none; white-space: pre;">years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 305.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.45pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.6pt; position: var(--position); text-decoration: none; white-space: pre;">3 to&#160; 4 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.32pt; position: var(--position); text-decoration: none; white-space: pre;">years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 350.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.45pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.76pt; position: var(--position); text-decoration: none; white-space: pre;">4 to 5 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.32pt; position: var(--position); text-decoration: none; white-space: pre;">years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 395.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 6.69pt; position: var(--position); text-decoration: none; white-space: pre;">&gt;5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 36.75pt; left: 440.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 26.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.07pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 65.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hedging <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">instrument on <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">interest rate risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 100.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Interest rate <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">swaps<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 80.25pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4235" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8648">214</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 125.25pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4236" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8649">184</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 170.25pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4237" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8650">8,557</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 215.25pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.56pt;"></span></span><span style="left: 11.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4238" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8651">18,551</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 260.25pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4239" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8652">6,636</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 305.25pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4240" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8653">7,246</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 350.25pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4241" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8654">4,896</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 395.25pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4242" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8655">3,384</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 440.25pt; position: var(--position); top: 100.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.56pt;"></span></span><span style="left: 11.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4214" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8656">49,300</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 124.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hedging <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">instrument on FX <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">rate risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 159.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Cross currency <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">swaps<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 80.25pt; position: var(--position); top: 159.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4243" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8657"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 125.25pt; position: var(--position); top: 159.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4244" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8658">249</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 170.25pt; position: var(--position); top: 159.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4245" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8659">1,029</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 215.25pt; position: var(--position); top: 159.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4246" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8660">932</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 260.25pt; position: var(--position); top: 159.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4247" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8661">503</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 305.25pt; position: var(--position); top: 159.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4248" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8662">683</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 350.25pt; position: var(--position); top: 159.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4249" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8663">167</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 395.25pt; position: var(--position); top: 159.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4250" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8664">693</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 440.25pt; position: var(--position); top: 159.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4216" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8665">362</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 45.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 0pt; position: var(--position); top: 183.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.74pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hedging <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.54pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">instrument on <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.34pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">combined interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.14pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">and FX rate risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 229.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Cross currency <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">interest rate <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">swaps<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 80.25pt; position: var(--position); top: 229.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4251" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8666"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 125.25pt; position: var(--position); top: 229.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4252" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8667"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 170.25pt; position: var(--position); top: 229.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4253" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8668"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 215.25pt; position: var(--position); top: 229.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4254" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8669">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 260.25pt; position: var(--position); top: 229.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4255" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8670">1,232</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 305.25pt; position: var(--position); top: 229.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4256" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8671">1,479</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 350.25pt; position: var(--position); top: 229.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4257" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8672"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 395.25pt; position: var(--position); top: 229.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4258" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8673"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 440.25pt; position: var(--position); top: 229.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4217" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8674">2,736</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 264.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 13.95pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 24.75pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 300pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hedging <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">instrument on <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">interest rate risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 335.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Interest rate <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">swaps<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 80.25pt; position: var(--position); top: 335.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4259" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8675">562</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 125.25pt; position: var(--position); top: 335.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4260" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8676">935</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 170.25pt; position: var(--position); top: 335.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4261" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8677">6,730</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 215.25pt; position: var(--position); top: 335.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.56pt;"></span></span><span style="left: 11.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4262" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8678">12,464</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 260.25pt; position: var(--position); top: 335.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4263" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8679">8,926</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 305.25pt; position: var(--position); top: 335.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4264" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8680">8,115</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 350.25pt; position: var(--position); top: 335.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4265" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8681">3,620</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 395.25pt; position: var(--position); top: 335.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4266" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8682">8,947</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 440.25pt; position: var(--position); top: 335.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.56pt;"></span></span><span style="left: 11.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4215" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8683">50,300</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 45.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 0pt; position: var(--position); top: 359.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.85pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hedging <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">instrument on <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">combined interest <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">and FX rate risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 405pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Cross currency <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">interest rate <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">swaps<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="number" contextRef="c-4267" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8684"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 125.25pt; position: var(--position); top: 405pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4268" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8685">834</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 170.25pt; position: var(--position); top: 405pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4269" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8686">1,535</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 215.25pt; position: var(--position); top: 405pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.84pt;"></span></span><span style="left: 23.47pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4270" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8687">721</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 260.25pt; position: var(--position); top: 405pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4271" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8688">2,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 305.25pt; position: var(--position); top: 405pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4272" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8689">52</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 350.25pt; position: var(--position); top: 405pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4273" decimals="-6" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8690">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 395.25pt; position: var(--position); top: 405pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4274" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8691">48</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 440.25pt; position: var(--position); top: 405pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4218" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8692">5,323</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInformationAboutAmountsThatAffectedStatementOfComprehensiveIncomeAsResultOfHedgeAccountingExplanatory" id="f-8693" continuedAt="f-8693-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following table shows the cash flow hedge accounting impact on profit or loss and comprehensive <span style="display: inline-block; height: 7.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-8693-1" continuedAt="f-8693-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">income:<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -316<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-8693-2" continuedAt="f-8693-3"><ix:continuation id="f-8519-6" continuedAt="f-8519-7"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 998.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 224.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 129pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 129pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 129pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 129pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 129pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 129pt;"/></tr><tr style="height: 15pt;"><td colspan="7" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15pt; left: 0pt; position: var(--position); top: 0pt; width: 998.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 3.06pt; width: 998.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Cash flow hedging &#8211; impact of hedging instruments on the statement of profit or loss and other comprehensive income<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 45.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 0pt; position: var(--position); top: 15pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 224.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 224.25pt; position: var(--position); top: 15pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.85pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.36pt; position: var(--position); text-decoration: none; white-space: pre;">Change in value of hedged <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.71pt; position: var(--position); text-decoration: none; white-space: pre;">item used for calculating <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.77pt; position: var(--position); text-decoration: none; white-space: pre;">hedge ineffectiveness for the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 100.92pt; position: var(--position); text-decoration: none; white-space: pre;">period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 353.25pt; position: var(--position); top: 15pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.61pt; position: var(--position); text-decoration: none; white-space: pre;">Carrying amount cash flow <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.29pt; position: var(--position); text-decoration: none; white-space: pre;">hedge reserve at the end of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 42.61pt; position: var(--position); text-decoration: none; white-space: pre;">the reporting period<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 123.08pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 482.25pt; position: var(--position); top: 15pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.27pt; position: var(--position); text-decoration: none; white-space: pre;">Amount reclassified from CFH <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.85pt; position: var(--position); text-decoration: none; white-space: pre;">reserve to profit or loss <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 123.08000000000001pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 611.25pt; position: var(--position); top: 15pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.91pt; position: var(--position); text-decoration: none; white-space: pre;">Cash flow is no longer <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 54.42pt; position: var(--position); text-decoration: none; white-space: pre;">expected to occur<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 740.25pt; position: var(--position); top: 15pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.04pt; position: var(--position); text-decoration: none; white-space: pre;">Change in value of hedging <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.98pt; position: var(--position); text-decoration: none; white-space: pre;">instrument recognised in OCI <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 71.81pt; position: var(--position); text-decoration: none; white-space: pre;">for the period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 869.25pt; position: var(--position); top: 15pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.85pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.24pt; position: var(--position); text-decoration: none; white-space: pre;">Hedge ineffectiveness <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.64pt; position: var(--position); text-decoration: none; white-space: pre;">recognised in the statement <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.98pt; position: var(--position); text-decoration: none; white-space: pre;">of profit or loss, gain (+) / loss <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 117.3pt; position: var(--position); text-decoration: none; white-space: pre;">(-)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 60.75pt; width: 224.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 2.07pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.95pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 72.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest rate risk on:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 84.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Floating rate lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 224.25pt; position: var(--position); top: 84.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.62pt;"></span></span><span style="left: 100.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4275" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8694">2,694</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 353.25pt; position: var(--position); top: 84.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.62pt;"></span></span><span style="left: 100.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4276" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" format="ixt:num-dot-decimal" scale="6" id="f-8695">3,545</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 482.25pt; position: var(--position); top: 84.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 108.19pt;"></span></span><span style="left: 110.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4275" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8696">590</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 96.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Floating rate borrowing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 224.25pt; position: var(--position); top: 96.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 108.19pt;"></span></span><span style="left: 110.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4277" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8697">933</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 353.25pt; position: var(--position); top: 96.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 108.19pt;"></span></span><span style="left: 110.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4278" decimals="-6" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8698">151</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 482.25pt; position: var(--position); top: 96.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 104.84pt;"></span></span><span style="left: 107.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4277" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8699">497</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 108.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 224.25pt; position: var(--position); top: 108.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 123.37pt;"></span></span><span style="left: 126pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4279" xsi:nil="true" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" id="f-8700"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 353.25pt; position: var(--position); top: 108.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 123.37pt;"></span></span><span style="left: 126pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4280" xsi:nil="true" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" id="f-8701"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 482.25pt; position: var(--position); top: 108.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 123.37pt;"></span></span><span style="left: 126pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4279" xsi:nil="true" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" id="f-8702"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 120.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Discontinued hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 224.25pt; position: var(--position); top: 120.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 123.37pt;"></span></span><span style="left: 126pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 353.25pt; position: var(--position); top: 120.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 108.19pt;"></span></span><span style="left: 110.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4281" decimals="-6" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8703">194</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 482.25pt; position: var(--position); top: 120.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 104.84pt;"></span></span><span style="left: 107.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4282" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8704">150</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 132.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total interest rate risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 224.25pt; position: var(--position); top: 132.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.77pt;"></span></span><span style="left: 99.39999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4283" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8705">1,760</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 353.25pt; position: var(--position); top: 132.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.77pt;"></span></span><span style="left: 99.39999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4284" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" format="ixt:num-dot-decimal" scale="6" id="f-8706">3,200</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 482.25pt; position: var(--position); top: 132.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.41pt;"></span></span><span style="left: 112.03999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4283" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8707">57</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 740.25pt; position: var(--position); top: 132.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 100.34pt;"></span></span><span style="left: 102.97pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4283" decimals="-6" name="ing:ChangeInValueOfHedgingInstrumentRecognisedInOci" format="ixt:num-dot-decimal" scale="6" id="f-8708">1,654</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 869.25pt; position: var(--position); top: 132.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 112.98pt;"></span></span><span style="left: 115.61pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4283" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-8709">58</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 144.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">FX rate risk on:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 156.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Floating rate lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 224.25pt; position: var(--position); top: 156.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 113.25pt;"></span></span><span style="left: 115.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4285" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8710">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 353.25pt; position: var(--position); top: 156.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.9pt;"></span></span><span style="left: 112.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4286" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8711">42</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 482.25pt; position: var(--position); top: 156.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 104.84pt;"></span></span><span style="left: 107.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4285" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8712">185</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 168.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Floating rate borrowing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 224.25pt; position: var(--position); top: 168.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.9pt;"></span></span><span style="left: 112.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4287" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8713">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 353.25pt; position: var(--position); top: 168.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 118.31pt;"></span></span><span style="left: 120.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4288" decimals="-6" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8714">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 482.25pt; position: var(--position); top: 168.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.9pt;"></span></span><span style="left: 112.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4287" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8715">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 180.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4289" xsi:nil="true" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" id="f-8716"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4290" xsi:nil="true" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" id="f-8717"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4289" xsi:nil="true" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" id="f-8718"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 192.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Discontinued hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 353.25pt; position: var(--position); top: 192.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 118.31pt;"></span></span><span style="left: 120.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4291" decimals="-6" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8719">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 482.25pt; position: var(--position); top: 192.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 114.96pt;"></span></span><span style="left: 117.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4292" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8720">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 204.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total FX risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 224.25pt; position: var(--position); top: 204.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 118.13pt;"></span></span><span style="left: 120.75999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4293" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8721">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 353.25pt; position: var(--position); top: 204.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.41pt;"></span></span><span style="left: 112.03999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4294" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8722">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 482.25pt; position: var(--position); top: 204.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 104.17pt;"></span></span><span style="left: 106.8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4293" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8723">223</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 740.25pt; position: var(--position); top: 204.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 107.74pt;"></span></span><span style="left: 110.36999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4293" decimals="-6" name="ing:ChangeInValueOfHedgingInstrumentRecognisedInOci" scale="6" id="f-8724">200</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 869.25pt; position: var(--position); top: 204.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.5pt;"></span></span><span style="left: 112.13pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4293" decimals="-6" sign="-" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-8725">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 216.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Combined interest and FX rate risk on:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 228pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Floating rate lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 224.25pt; position: var(--position); top: 228pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.9pt;"></span></span><span style="left: 112.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4295" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8726">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 353.25pt; position: var(--position); top: 228pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 113.25pt;"></span></span><span style="left: 115.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4296" decimals="-6" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8727">78</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 482.25pt; position: var(--position); top: 228pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.9pt;"></span></span><span style="left: 112.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4295" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8728">46</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 240pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Floating rate borrowing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 224.25pt; position: var(--position); top: 240pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 123.37pt;"></span></span><span style="left: 126pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4297" xsi:nil="true" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" id="f-8729"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 353.25pt; position: var(--position); top: 240pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 123.37pt;"></span></span><span style="left: 126pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4298" xsi:nil="true" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" id="f-8730"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 482.25pt; position: var(--position); top: 240pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 118.31pt;"></span></span><span style="left: 120.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4297" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8731">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 252pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 224.25pt; position: var(--position); top: 252pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 123.37pt;"></span></span><span style="left: 126pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4299" xsi:nil="true" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" id="f-8732"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 353.25pt; position: var(--position); top: 252pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 123.37pt;"></span></span><span style="left: 126pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4300" xsi:nil="true" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" id="f-8733"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 482.25pt; position: var(--position); top: 252pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 123.37pt;"></span></span><span style="left: 126pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4299" xsi:nil="true" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" id="f-8734"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 264pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Discontinued hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 224.25pt; position: var(--position); top: 264pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 123.37pt;"></span></span><span style="left: 126pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 353.25pt; position: var(--position); top: 264pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 123.37pt;"></span></span><span style="left: 126pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4301" xsi:nil="true" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" id="f-8735"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 482.25pt; position: var(--position); top: 264pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 114.96pt;"></span></span><span style="left: 117.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4302" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8736">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 276pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total combined interest and FX risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 224.25pt; position: var(--position); top: 276pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.41pt;"></span></span><span style="left: 112.03999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4303" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8737">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 353.25pt; position: var(--position); top: 276pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 112.89pt;"></span></span><span style="left: 115.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4304" decimals="-6" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8738">78</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 482.25pt; position: var(--position); top: 276pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.41pt;"></span></span><span style="left: 112.03999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4303" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8739">46</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 740.25pt; position: var(--position); top: 276pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 112.98pt;"></span></span><span style="left: 115.61pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4303" decimals="-6" name="ing:ChangeInValueOfHedgingInstrumentRecognisedInOci" scale="6" id="f-8740">68</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 869.25pt; position: var(--position); top: 276pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 118.22pt;"></span></span><span style="left: 120.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4303" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-8741">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 288pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total cash flow hedge<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 224.25pt; position: var(--position); top: 288pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.77pt;"></span></span><span style="left: 99.39999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4305" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8742">1,778</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 353.25pt; position: var(--position); top: 288pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.77pt;"></span></span><span style="left: 99.39999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4306" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" format="ixt:num-dot-decimal" scale="6" id="f-8743">3,157</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 482.25pt; position: var(--position); top: 288pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 104.17pt;"></span></span><span style="left: 106.8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4305" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8744">325</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 740.25pt; position: var(--position); top: 288pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 100.34pt;"></span></span><span style="left: 102.97pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4305" decimals="-6" name="ing:ChangeInValueOfHedgingInstrumentRecognisedInOci" format="ixt:num-dot-decimal" scale="6" id="f-8745">1,922</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 869.25pt; position: var(--position); top: 288pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 112.98pt;"></span></span><span style="left: 115.61pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4305" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-8746">48</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 311.25pt; width: 224.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 1.69pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.95pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 322.5pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest rate risk on:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 333.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Floating rate lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 224.25pt; position: var(--position); top: 333.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 100.97pt;"></span></span><span style="left: 103.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4307" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8747">4,817</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 353.25pt; position: var(--position); top: 333.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 97.62pt;"></span></span><span style="left: 100.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4308" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" format="ixt:num-dot-decimal" scale="6" id="f-8748">5,460</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 482.25pt; position: var(--position); top: 333.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 108.19pt;"></span></span><span style="left: 110.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4307" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8749">395</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 345pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Floating rate borrowing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 224.25pt; position: var(--position); top: 345pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 104.84pt;"></span></span><span style="left: 107.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4309" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8750">775</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 353.25pt; position: var(--position); top: 345pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 108.19pt;"></span></span><span style="left: 110.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4310" decimals="-6" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8751">923</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 482.25pt; position: var(--position); top: 345pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 104.84pt;"></span></span><span style="left: 107.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4309" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8752">181</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 356.25pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 224.25pt; position: var(--position); top: 356.25pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 114.96pt;"></span></span><span style="left: 117.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4311" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8753">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 353.25pt; position: var(--position); top: 356.25pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 114.96pt;"></span></span><span style="left: 117.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4312" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8754">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 482.25pt; position: var(--position); top: 356.25pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 123.37pt;"></span></span><span style="left: 126pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 367.5pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Discontinued hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 224.25pt; position: var(--position); top: 367.5pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 123.37pt;"></span></span><span style="left: 126pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 353.25pt; position: var(--position); top: 367.5pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 108.19pt;"></span></span><span style="left: 110.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4313" decimals="-6" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8755">330</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 482.25pt; position: var(--position); top: 367.5pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 104.84pt;"></span></span><span style="left: 107.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4314" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8756">263</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 378.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total interest rate risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 224.25pt; position: var(--position); top: 378.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 100.25pt;"></span></span><span style="left: 102.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4315" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8757">4,037</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 353.25pt; position: var(--position); top: 378.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.77pt;"></span></span><span style="left: 99.39999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4316" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" format="ixt:num-dot-decimal" scale="6" id="f-8758">4,210</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 482.25pt; position: var(--position); top: 378.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.41pt;"></span></span><span style="left: 112.03999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4315" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8759">50</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 740.25pt; position: var(--position); top: 378.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.86pt;"></span></span><span style="left: 99.49pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4315" decimals="-6" sign="-" name="ing:ChangeInValueOfHedgingInstrumentRecognisedInOci" format="ixt:num-dot-decimal" scale="6" id="f-8760">4,279</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 869.25pt; position: var(--position); top: 378.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 112.98pt;"></span></span><span style="left: 115.61pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4315" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-8761">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 390pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Combined interest and FX rate risk on:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 401.25pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Floating rate lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 224.25pt; position: var(--position); top: 401.25pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.9pt;"></span></span><span style="left: 112.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4317" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8762">47</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 353.25pt; position: var(--position); top: 401.25pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.9pt;"></span></span><span style="left: 112.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4318" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8763">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 482.25pt; position: var(--position); top: 401.25pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 104.84pt;"></span></span><span style="left: 107.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4317" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8764">269</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 412.5pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Floating rate borrowing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 224.25pt; position: var(--position); top: 412.5pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 114.96pt;"></span></span><span style="left: 117.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4319" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8765">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 353.25pt; position: var(--position); top: 412.5pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 114.96pt;"></span></span><span style="left: 117.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4320" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8766">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 482.25pt; position: var(--position); top: 412.5pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 113.25pt;"></span></span><span style="left: 115.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4319" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8767">14</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 423.75pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 224.25pt; position: var(--position); top: 423.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 118.31pt;"></span></span><span style="left: 120.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4321" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8768">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 353.25pt; position: var(--position); top: 423.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 114.96pt;"></span></span><span style="left: 117.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4322" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8769">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 482.25pt; position: var(--position); top: 423.75pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 114.96pt;"></span></span><span style="left: 117.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4321" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8770">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 435pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; Discontinued hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 224.25pt; position: var(--position); top: 435pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 123.37pt;"></span></span><span style="left: 126pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 353.25pt; position: var(--position); top: 435pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 118.31pt;"></span></span><span style="left: 120.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4323" decimals="-6" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8771">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 482.25pt; position: var(--position); top: 435pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 114.96pt;"></span></span><span style="left: 117.58999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4324" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8772">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 446.25pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total combined interest and FX risk<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 224.25pt; position: var(--position); top: 446.25pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.41pt;"></span></span><span style="left: 112.03999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4325" decimals="-6" sign="-" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" scale="6" id="f-8773">51</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 353.25pt; position: var(--position); top: 446.25pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 109.41pt;"></span></span><span style="left: 112.03999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4326" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" scale="6" id="f-8774">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 482.25pt; position: var(--position); top: 446.25pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 104.17pt;"></span></span><span style="left: 106.8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4325" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8775">263</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 740.25pt; position: var(--position); top: 446.25pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 107.74pt;"></span></span><span style="left: 110.36999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4325" decimals="-6" name="ing:ChangeInValueOfHedgingInstrumentRecognisedInOci" scale="6" id="f-8776">296</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 869.25pt; position: var(--position); top: 446.25pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 114.74pt;"></span></span><span style="left: 117.36999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4325" decimals="-6" sign="-" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-8777">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 11.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 0pt; position: var(--position); top: 457.5pt; width: 224.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 0.75pt; width: 224.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total cash flow hedge<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 224.25pt; position: var(--position); top: 457.5pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 100.25pt;"></span></span><span style="left: 102.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4327" decimals="-6" name="ifrs-full:GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness" format="ixt:num-dot-decimal" scale="6" id="f-8778">3,986</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 353.25pt; position: var(--position); top: 457.5pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.77pt;"></span></span><span style="left: 99.39999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4328" decimals="-6" sign="-" name="ifrs-full:ReserveOfCashFlowHedgesContinuingHedges" format="ixt:num-dot-decimal" scale="6" id="f-8779">4,227</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 482.25pt; position: var(--position); top: 457.5pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 104.17pt;"></span></span><span style="left: 106.8pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4327" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8780">313</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 740.25pt; position: var(--position); top: 457.5pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.86pt;"></span></span><span style="left: 99.49pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4327" decimals="-6" sign="-" name="ing:ChangeInValueOfHedgingInstrumentRecognisedInOci" format="ixt:num-dot-decimal" scale="6" id="f-8781">3,982</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 11.25pt; left: 869.25pt; position: var(--position); top: 457.5pt; width: 129pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.69pt; width: 129pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 112.98pt;"></span></span><span style="left: 115.61pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4327" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" scale="6" id="f-8782">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 126.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 538.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">The carrying amount is the gross amount, excluding tax adjustments.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 548.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">The amounts are reclassified to Net interest income - interest income and/or expense on non-trading derivatives (hedge accounting).<span style="display: inline-block; height: 6pt;"></span></span></div></div></ix:continuation></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -317<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-8519-7" continuedAt="f-8519-8"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The increase in the carrying amount of the cash flow hedge reserve is driven by the interest rate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">movements. No material hedging relationship was discontinued as a result of the interest rate movements <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">in 2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The main sources of ineffectiveness for cash flow hedges are:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 142.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">differences in timing of cash flows of the hedged item(s) and hedging instrument(s);<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 155.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">mismatches in reset frequency between hedged item and hedging instrument.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 191.51pt; width: 1080pt;"><ix:continuation id="f-5049-13" continuedAt="f-5049-14"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The following table shows the movement of the cash flow hedge reserve:<span style="display: inline-block; height: 7.5pt;"></span></span></ix:continuation></div><ix:continuation id="f-5049-14"><div style="position: var(--position); top: 218.51pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 345pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 69.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 69.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Movement cash flow hedge reserve<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 345pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 345pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345pt; position: var(--position); top: 14.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 46.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 14.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 46.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 345pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 345pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Opening balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345pt; position: var(--position); top: 28.5pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.62pt;"></span></span><span style="left: 43.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3158" decimals="-6" sign="-" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-8783">3,055</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 28.5pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.84pt;"></span></span><span style="left: 50.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3159" decimals="-6" sign="-" name="ifrs-full:OtherReserves" scale="6" id="f-8784">153</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 345pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 345pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Value changes recognised in OCI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345pt; position: var(--position); top: 42.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3167" decimals="-6" name="ifrs-full:GainsLossesOnCashFlowHedgesBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-8785">1,922</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 42.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.62pt;"></span></span><span style="left: 43.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3168" decimals="-6" sign="-" name="ifrs-full:GainsLossesOnCashFlowHedgesBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-8786">3,982</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 345pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 345pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts recycled to profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345pt; position: var(--position); top: 57pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.84pt;"></span></span><span style="left: 50.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3167" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8787">325</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 57pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.84pt;"></span></span><span style="left: 50.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3168" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" scale="6" id="f-8788">313</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 71.25pt; width: 345pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 345pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345pt; position: var(--position); top: 71.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.84pt;"></span></span><span style="left: 50.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3167" decimals="-6" name="ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" scale="6" id="f-8789">381</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 71.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3168" decimals="-6" sign="-" name="ifrs-full:IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-8790">1,123</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 85.5pt; width: 345pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 345pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate and other changes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345pt; position: var(--position); top: 85.5pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.84pt;"></span></span><span style="left: 50.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3167" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-8791">103</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 85.5pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.25pt;"></span></span><span style="left: 58.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3168" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-8792">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 99.75pt; width: 345pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 345pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustment for non controlling interest<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345pt; position: var(--position); top: 99.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.84pt;"></span></span><span style="left: 50.470000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3167" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" scale="6" id="f-8793">116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 99.75pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.19pt;"></span></span><span style="left: 53.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3168" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransactionsWithOwners" scale="6" id="f-8794">251</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 114pt; width: 345pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 345pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Movement for the year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345pt; position: var(--position); top: 114pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.65pt;"></span></span><span style="left: 53.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3167" decimals="-6" name="ifrs-full:ChangesInEquity" scale="6" id="f-8795">997</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 114pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.77pt;"></span></span><span style="left: 42.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3168" decimals="-6" sign="-" name="ifrs-full:ChangesInEquity" format="ixt:num-dot-decimal" scale="6" id="f-8796">2,901</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 128.25pt; width: 345pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 345pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Ending balance<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 345pt; position: var(--position); top: 128.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.77pt;"></span></span><span style="left: 42.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3170" decimals="-6" sign="-" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-8797">2,058</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414.75pt; position: var(--position); top: 128.25pt; width: 69.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 69.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.77pt;"></span></span><span style="left: 42.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3158" decimals="-6" sign="-" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-8798">3,055</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 383.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Hedges of net investments in foreign operations<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 397.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">A foreign currency exposure arises from a net investment in subsidiaries that have a different functional <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">currency from the presentation currency of ING. The risk arises from the fluctuation in spot exchange rates <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">between the functional currency of the subsidiaries and ING&#8217;s presentation currency, which causes the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 435.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">amount of the net investment to vary in the consolidated financial statements of ING. This risk may have a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 447.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">significant impact on ING&#8217;s financial statements. ING&#8217;s policy is to hedge these exposures only when not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 459.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">doing so it is expected to have a significant impact on the regulatory capital ratios of ING and its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 471.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">subsidiaries. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s net investment hedges principally consist of derivatives (including currency forwards and swaps) and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">non-derivative financial instruments such as foreign currency denominated funding. When the hedging <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 522.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">instrument is foreign currency denominated debt, ING assesses effectiveness by comparing past changes in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 534.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the carrying amount of the debt that are attributable to a change in the spot rate with past changes in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 546.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investment in the foreign operation due to movement in the spot rate (the offset method). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Gains and losses on the effective portions of derivatives designated under net investment hedge accounting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">are recognised in Other Comprehensive Income. The balance in equity is recognised in the statement of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">profit or loss when the related foreign subsidiary is disposed. The gains and losses on ineffective portions are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">recognised immediately in the statement of profit or loss in 'Valuation results and net trading income'.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING has the following derivative financial instruments used for net investment hedging:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 154.91pt; width: 1080pt;"><ix:continuation id="f-8573-1"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 275.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 52.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="5" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Gross carrying value of derivatives used for net investment hedging<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 275.25pt; position: var(--position); top: 14.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.63pt; position: var(--position); text-decoration: none; white-space: pre;">Assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327.75pt; position: var(--position); top: 14.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.07pt; position: var(--position); text-decoration: none; white-space: pre;">Liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 380.25pt; position: var(--position); top: 14.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 22.63pt; position: var(--position); text-decoration: none; white-space: pre;">Assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 14.25pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.07pt; position: var(--position); text-decoration: none; white-space: pre;">Liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 275.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 275.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 275.25pt; position: var(--position); top: 28.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327.75pt; position: var(--position); top: 28.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 380.25pt; position: var(--position); top: 28.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 28.5pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 275.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 275.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">As at 31&#160;December<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 57pt; width: 275.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 275.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; FX forwards and Cross currency swaps<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 275.25pt; position: var(--position); top: 57pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4329" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-8799">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-right: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327.75pt; position: var(--position); top: 57pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.75pt;"></span></span><span style="left: 39.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4329" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-8800">92</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-left: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 380.25pt; position: var(--position); top: 57pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.69pt;"></span></span><span style="left: 34.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4330" decimals="-6" name="ifrs-full:HedgingInstrumentAssets" scale="6" id="f-8801">119</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 57pt; width: 52.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 52.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.75pt;"></span></span><span style="left: 39.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4330" decimals="-6" name="ifrs-full:HedgingInstrumentLiabilities" scale="6" id="f-8802">83</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 49.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 246.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The derivatives used for net investment hedge accounting are included in the statement of financial position <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 258.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">line-item &#8216;Financial assets at fair value through profit or loss &#8211; Non-trading derivatives&#8217; EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 961.8599999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4331" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-8803">100</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 978.75pt; position: var(--position); text-decoration: none; white-space: pre;"> million <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 270.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 558.1999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 580.72pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 605.85pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4332" decimals="-6" name="ifrs-full:DerivativeFinancialAssetsHeldForHedging" scale="6" id="f-8804">119</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 622.74pt; position: var(--position); text-decoration: none; white-space: pre;"> million) respectively &#8216;Financial liabilities at fair value through profit or loss &#8211; Non trading <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">derivatives&#8217; EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 628.16pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4333" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-8805">92</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 639.42pt; position: var(--position); text-decoration: none; white-space: pre;"> million (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 677.53pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 700.05pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 725.18pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4334" decimals="-6" name="ifrs-full:DerivativeFinancialLiabilitiesHeldForHedging" scale="6" id="f-8806">83</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 736.4399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> million).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 309.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For ING&#8217;s main currencies the average exchange rates used in net investment hedge accounting for <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1001.4pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1023.92pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 321.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">are EUR/USD <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 613.9pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4335" decimals="2" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8807">1.08</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 633.2pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 638.88pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 661.4pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 666.31pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4336" decimals="2" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8808">1.06</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 685.61pt; position: var(--position); text-decoration: none; white-space: pre;">), EUR/PLN <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 734.35pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4337" decimals="2" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8809">4.54</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 753.65pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 759.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 781.85pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 786.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4338" decimals="2" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8810">4.68</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 806.06pt; position: var(--position); text-decoration: none; white-space: pre;">), EUR/AUD <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 857.25pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4339" decimals="2" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8811">1.63</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 876.55pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 882.23pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 904.75pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 909.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4340" decimals="2" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8812">1.52</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 928.96pt; position: var(--position); text-decoration: none; white-space: pre;">) and EUR/THB <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4341" decimals="2" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8813">37.65</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1019.9300000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 333.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 558.1999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 580.72pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 585.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4342" decimals="2" name="ifrs-full:AverageForeignExchangeRate" scale="0" id="f-8814">36.87</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 610.56pt; position: var(--position); text-decoration: none; white-space: pre;">). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 360.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The following table shows the notional amount of derivatives designated in net investment hedging split <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">into the maturity of the instruments:<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -318<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-8519-8"><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:continuation id="f-8536-3"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 80.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="10" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Maturity derivatives designated in net investment hedging<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 80.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 13.95pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 24.75pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 80.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.77pt; position: var(--position); text-decoration: none; white-space: pre;">Less than <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 7.58pt; position: var(--position); text-decoration: none; white-space: pre;">1 month<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 125.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.76pt; position: var(--position); text-decoration: none; white-space: pre;">1 to 3 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.75pt; position: var(--position); text-decoration: none; white-space: pre;">months<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 170.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 13.52pt; position: var(--position); text-decoration: none; white-space: pre;">3 to 12 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.75pt; position: var(--position); text-decoration: none; white-space: pre;">months<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 215.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.76pt; position: var(--position); text-decoration: none; white-space: pre;">1 to 2 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.32pt; position: var(--position); text-decoration: none; white-space: pre;">years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 260.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.76pt; position: var(--position); text-decoration: none; white-space: pre;">2 to 3 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.32pt; position: var(--position); text-decoration: none; white-space: pre;">years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 305.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 16.6pt; position: var(--position); text-decoration: none; white-space: pre;">3 to&#160; 4 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.32pt; position: var(--position); text-decoration: none; white-space: pre;">years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 350.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 18.76pt; position: var(--position); text-decoration: none; white-space: pre;">4 to 5 <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.32pt; position: var(--position); text-decoration: none; white-space: pre;">years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 395.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 6.69pt; position: var(--position); text-decoration: none; white-space: pre;">&gt;5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 440.25pt; position: var(--position); top: 28.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.07pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 63.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; FX forwards and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">cross currency <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">swaps<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 80.25pt; position: var(--position); top: 63.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4343" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8815">6,009</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 125.25pt; position: var(--position); top: 63.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4344" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8816">4,576</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 170.25pt; position: var(--position); top: 63.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4345" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8817">87</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 215.25pt; position: var(--position); top: 63.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4346" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8818"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 260.25pt; position: var(--position); top: 63.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4347" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8819"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 305.25pt; position: var(--position); top: 63.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4348" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8820"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 350.25pt; position: var(--position); top: 63.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4349" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8821"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 395.25pt; position: var(--position); top: 63.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4350" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8822"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 440.25pt; position: var(--position); top: 63.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 8.56pt;"></span></span><span style="left: 11.190000000000001pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4351" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8823">10,672</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 99pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 13.95pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 24.75pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 35.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 0pt; position: var(--position); top: 134.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.89pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; FX forwards and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cross currency <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.49pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">swaps<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 80.25pt; position: var(--position); top: 134.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4352" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8824">6,164</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 125.25pt; position: var(--position); top: 134.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4353" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8825">2,638</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 170.25pt; position: var(--position); top: 134.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 25.9pt;"></span></span><span style="left: 28.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4354" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" scale="6" id="f-8826">97</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 215.25pt; position: var(--position); top: 134.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4355" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8827"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 260.25pt; position: var(--position); top: 134.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4356" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8828"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 305.25pt; position: var(--position); top: 134.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4357" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8829"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 350.25pt; position: var(--position); top: 134.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4358" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8830"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 395.25pt; position: var(--position); top: 134.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.37pt;"></span></span><span style="left: 42pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4359" xsi:nil="true" name="ifrs-full:NominalAmountOfHedgingInstrument" id="f-8831"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 35.25pt; left: 440.25pt; position: var(--position); top: 134.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.69pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 13.62pt;"></span></span><span style="left: 16.25pt; position: var(--position);">-<ix:nonFraction unitRef="number" contextRef="c-4360" decimals="-6" sign="-" name="ifrs-full:NominalAmountOfHedgingInstrument" format="ixt:num-dot-decimal" scale="6" id="f-8832">8,899</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 254.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The effect of the net investment hedge accounting in the statement of profit or loss and other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 266.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">comprehensive income is as follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 293.41pt; width: 1080pt;"><ix:continuation id="f-8693-3" continuedAt="f-8693-4"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 147.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 67.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 67.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 67.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 67.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 67.5pt;"/></tr><tr style="height: 26.25pt;"><td colspan="6" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 26.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.69pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Net investment hedge accounting &#8211; Impact on statement of profit or loss and other comprehensive <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="line-height: 10pt; position: var(--position); top: 14.69pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">income<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 26.25pt; width: 147.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 147.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 89.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 89.25pt; left: 0pt; position: var(--position); top: 40.5pt; width: 147.75pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 78.75pt; width: 147.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">As at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.95pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 89.25pt; left: 147.75pt; position: var(--position); top: 40.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.15pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Change in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">value of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">hedged item&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.55pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">used for <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.35pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">calculating <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 57.15pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">hedge <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 67.95pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ineffectiveness <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 78.75pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">for the period<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 89.25pt; left: 215.25pt; position: var(--position); top: 40.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Carrying <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">amount net <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.55pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">investment <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.35pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">hedge reserve <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 57.15pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">at the end of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 67.95pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the reporting <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 78.75pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">period<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 28.08pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 89.25pt; left: 282.75pt; position: var(--position); top: 40.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 46.35pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hedged item <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 57.15pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">affected <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 67.95pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">statement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 78.75pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 89.25pt; left: 350.25pt; position: var(--position); top: 40.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Change in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.55pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">value of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.35pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">hedging <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 57.15pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">instrument <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 67.95pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">recognised in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 78.75pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">OCI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 89.25pt; left: 417.75pt; position: var(--position); top: 40.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.95pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Hedge <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.75pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ineffectiveness <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.55pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">recognised in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.35pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the statement <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 57.15pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">of profit or loss, <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 67.95pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">gain(+) / <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 78.75pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loss(-)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 129.75pt; width: 147.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 147.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment in foreign operations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 147.75pt; position: var(--position); top: 129.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.34pt;"></span></span><span style="left: 45.970000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3050" decimals="-6" sign="-" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslationContinuingHedges" scale="6" id="f-8833">183</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 129.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.69pt;"></span></span><span style="left: 49.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3050" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-8834">123</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282.75pt; position: var(--position); top: 129.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.87pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4361" xsi:nil="true" name="ifrs-full:ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsNetOfTax" id="f-8835"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 129.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.69pt;"></span></span><span style="left: 49.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4361" decimals="-6" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInOtherComprehensiveIncome" scale="6" id="f-8836">183</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 129.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.87pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4361" xsi:nil="true" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" id="f-8837"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 144pt; width: 147.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 147.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Discontinued hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 147.75pt; position: var(--position); top: 144pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.87pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4362" xsi:nil="true" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslationContinuingHedges" id="f-8838"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 144pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.69pt;"></span></span><span style="left: 49.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4362" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-8839">263</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282.75pt; position: var(--position); top: 144pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.87pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4363" xsi:nil="true" name="ifrs-full:ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsNetOfTax" id="f-8840"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 144pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.87pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4363" xsi:nil="true" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInOtherComprehensiveIncome" id="f-8841"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 144pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.87pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4363" xsi:nil="true" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" id="f-8842"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 158.25pt; width: 147.75pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 3.19pt; width: 147.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">As at&#160; <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.11pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 172.5pt; width: 147.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 147.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investment in foreign operations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 147.75pt; position: var(--position); top: 172.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.87pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3051" xsi:nil="true" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslationContinuingHedges" id="f-8843"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 172.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.4pt;"></span></span><span style="left: 51.03pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-3051" decimals="-6" sign="-" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-8844">33</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282.75pt; position: var(--position); top: 172.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.87pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4364" xsi:nil="true" name="ifrs-full:ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsNetOfTax" id="f-8845"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 172.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.87pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4364" xsi:nil="true" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInOtherComprehensiveIncome" id="f-8846"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 172.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.87pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4364" xsi:nil="true" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" id="f-8847"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 186.75pt; width: 147.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 147.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Discontinued hedges<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 147.75pt; position: var(--position); top: 186.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.87pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4365" xsi:nil="true" name="ifrs-full:ReserveOfExchangeDifferencesOnTranslationContinuingHedges" id="f-8848"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 215.25pt; position: var(--position); top: 186.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.69pt;"></span></span><span style="left: 49.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4365" decimals="-6" name="ifrs-full:AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" scale="6" id="f-8849">304</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282.75pt; position: var(--position); top: 186.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.46pt;"></span></span><span style="left: 56.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4366" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsNetOfTax" scale="6" id="f-8850">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 186.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.87pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4366" xsi:nil="true" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInOtherComprehensiveIncome" id="f-8851"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417.75pt; position: var(--position); top: 186.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.87pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 64.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4366" xsi:nil="true" name="ifrs-full:GainLossOnHedgeIneffectivenessRecognisedInProfitOrLoss" id="f-8852"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><ix:continuation id="f-8693-4"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 514.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">The carrying amount is the gross amount, excluding tax adjustments.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></ix:continuation><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_304"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfAssetsByContractualMaturityExplanatoryTextBlock" id="f-8853" continuedAt="f-8853-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">37&#160;  Assets by contractual maturity<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-8853-1" continuedAt="f-8853-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 96.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts presented in these tables by contractual maturity are the amounts as presented in the statement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 108.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of financial position and are discounted cash flows. Reference is made to &#8216;Risk Management &#8211; Funding and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 120.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">liquidity risk&#8217;.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -319<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-8853-2"><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfContractualMaturityOfAssetsExplanatoryTableTextBlock" id="f-8854" continuedAt="f-8854-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 348.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 93pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 93pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 93pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 93pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 93pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 111.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 74.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="8" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Assets by contractual maturity<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 348.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 348.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 348.75pt; position: var(--position); top: 28.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.56pt; position: var(--position); text-decoration: none; white-space: pre;">Less than 1 month <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 87.08pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 441.75pt; position: var(--position); top: 28.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.46pt; position: var(--position); text-decoration: none; white-space: pre;">1-3 months<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 534.75pt; position: var(--position); top: 28.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.4pt; position: var(--position); text-decoration: none; white-space: pre;">3-12 months<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 627.75pt; position: var(--position); top: 28.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 52.28pt; position: var(--position); text-decoration: none; white-space: pre;">1-5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 720.75pt; position: var(--position); top: 28.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.71pt; position: var(--position); text-decoration: none; white-space: pre;">Over 5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 813.75pt; position: var(--position); top: 28.5pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.01pt; position: var(--position); text-decoration: none; white-space: pre;">Maturity not applicable<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 925.5pt; position: var(--position); top: 28.5pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 51.55pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 42.75pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and balances with central banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 42.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-8855">90,214</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 42.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" xsi:nil="true" name="ifrs-full:CashAndBankBalancesAtCentralBanks" id="f-8856"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 42.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4369" xsi:nil="true" name="ifrs-full:CashAndBankBalancesAtCentralBanks" id="f-8857"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 42.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" xsi:nil="true" name="ifrs-full:CashAndBankBalancesAtCentralBanks" id="f-8858"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 42.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" xsi:nil="true" name="ifrs-full:CashAndBankBalancesAtCentralBanks" id="f-8859"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 42.75pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ifrs-full:CashAndBankBalancesAtCentralBanks" id="f-8860"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 42.75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.16pt;"></span></span><span style="left: 43.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-8861">90,214</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 55.5pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 55.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8862">11,985</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 55.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8863">1,021</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 55.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4369" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8864">1,744</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 55.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8865">1,527</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 55.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" scale="6" id="f-8866">431</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 55.5pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ifrs-full:LoansAndAdvancesToBanks" id="f-8867"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 55.5pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.16pt;"></span></span><span style="left: 43.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8868">16,709</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 68.25pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 81pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Trading assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 81pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-8869">17,000</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 81pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-8870">7,363</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 81pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4369" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-8871">11,448</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 81pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-8872">13,216</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 81pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-8873">11,201</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 81pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" id="f-8874"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 81pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.16pt;"></span></span><span style="left: 43.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-8875">60,229</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 93.75pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Non-trading derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 93.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-8876">138</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 93.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 77.25pt;"></span></span><span style="left: 79.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-8877">80</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 93.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4369" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-8878">297</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 93.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-8879">613</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 93.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-8880">900</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 93.75pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" id="f-8881"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 93.75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.22pt;"></span></span><span style="left: 48.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-8882">2,028</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 106.5pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Mandatorily at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 106.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8883">32,835</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 106.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8884">12,040</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 106.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4369" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8885">5,303</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 106.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8886">3,587</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 106.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8887">1,040</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 106.5pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 90.94pt;"></span></span><span style="left: 93.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-8888">179</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 106.5pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.16pt;"></span></span><span style="left: 43.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8889">54,983</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 119.25pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Designated as at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 119.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-8890">550</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 119.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-8891">200</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 119.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4369" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-8892">792</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 119.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-8893">2,092</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 119.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-8894">2,141</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 119.25pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" id="f-8895"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 119.25pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.22pt;"></span></span><span style="left: 48.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-8896">5,775</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 132pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 144.75pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Equity securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 144.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4371" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="f-8897"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 144.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4372" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="f-8898"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 144.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4373" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="f-8899"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 144.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4374" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="f-8900"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 144.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4375" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="f-8901"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 144.75pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.72pt;"></span></span><span style="left: 86.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4376" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-8902">1,885</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 144.75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.22pt;"></span></span><span style="left: 48.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4377" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-8903">1,885</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 157.5pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 157.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4378" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-8904">579</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 157.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4379" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-8905">232</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 157.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4380" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-8906">2,021</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 157.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4381" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-8907">13,686</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 157.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4382" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-8908">21,763</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 157.5pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4383" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="f-8909"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 157.5pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.16pt;"></span></span><span style="left: 43.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2693" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-8910">38,281</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 170.25pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Loans and advances<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 170.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4384" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="f-8911"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 170.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 82.31pt;"></span></span><span style="left: 84.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4385" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-8912">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 170.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 77.25pt;"></span></span><span style="left: 79.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4386" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-8913">41</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 170.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4387" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-8914">619</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 170.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4388" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-8915">287</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 170.25pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4389" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="f-8916"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 170.25pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.44pt;"></span></span><span style="left: 56.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4390" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-8917">951</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 183pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Securities at amortised cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 183pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8918">2,220</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 183pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8919">1,142</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 183pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4369" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8920">6,667</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 183pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8921">22,540</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 183pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8922">15,744</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 183pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ifrs-full:FinancialAssetsAtAmortisedCost" id="f-8923"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 183pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.16pt;"></span></span><span style="left: 43.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-8924">48,313</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 195.75pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 195.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8925">49,633</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 195.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8926">21,298</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 195.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4369" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8927">57,516</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 195.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.85pt;"></span></span><span style="left: 57.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8928">211,349</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 195.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.85pt;"></span></span><span style="left: 57.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8929">307,517</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 195.75pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ifrs-full:LoansAndAdvancesToCustomers" id="f-8930"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 195.75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.1pt;"></span></span><span style="left: 38.730000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-8931">647,313</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 208.5pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other assets <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 55.36pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 208.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ing:OtherAssetsIncludingCurrentAndDeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8932">5,658</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 208.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ing:OtherAssetsIncludingCurrentAndDeferredTaxAssets" scale="6" id="f-8933">257</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 208.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4369" decimals="-6" name="ing:OtherAssetsIncludingCurrentAndDeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8934">1,088</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 208.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ing:OtherAssetsIncludingCurrentAndDeferredTaxAssets" scale="6" id="f-8935">951</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 208.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ing:OtherAssetsIncludingCurrentAndDeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8936">1,020</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 208.5pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.72pt;"></span></span><span style="left: 86.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" decimals="-6" name="ing:OtherAssetsIncludingCurrentAndDeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8937">4,645</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 208.5pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.16pt;"></span></span><span style="left: 43.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:OtherAssetsIncludingCurrentAndDeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-8938">13,618</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 221.25pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 221.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.77pt;"></span></span><span style="left: 56.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-8939">210,812</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 90.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 221.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.01pt;"></span></span><span style="left: 61.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-8940">43,636</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 90.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 221.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.01pt;"></span></span><span style="left: 61.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4369" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-8941">86,917</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 90.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 221.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.77pt;"></span></span><span style="left: 56.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-8942">270,181</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 90.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 221.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.77pt;"></span></span><span style="left: 56.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-8943">362,045</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 90.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 221.25pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83pt;"></span></span><span style="left: 85.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-8944">6,709</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 108.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 221.25pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.02pt;"></span></span><span style="left: 37.650000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-8945">980,299</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 71.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 234pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 348.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 246.75pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and balances with central banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 246.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-8946">87,614</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 246.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" xsi:nil="true" name="ifrs-full:CashAndBankBalancesAtCentralBanks" id="f-8947"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 246.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4393" xsi:nil="true" name="ifrs-full:CashAndBankBalancesAtCentralBanks" id="f-8948"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 246.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" xsi:nil="true" name="ifrs-full:CashAndBankBalancesAtCentralBanks" id="f-8949"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 246.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" xsi:nil="true" name="ifrs-full:CashAndBankBalancesAtCentralBanks" id="f-8950"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 246.75pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ifrs-full:CashAndBankBalancesAtCentralBanks" id="f-8951"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 246.75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.16pt;"></span></span><span style="left: 43.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashAndBankBalancesAtCentralBanks" format="ixt:num-dot-decimal" scale="6" id="f-8952">87,614</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 259.5pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 259.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8953">28,734</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 259.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8954">1,633</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 259.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4393" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8955">2,331</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 259.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8956">2,190</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 259.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" scale="6" id="f-8957">216</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 259.5pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ifrs-full:LoansAndAdvancesToBanks" id="f-8958"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 259.5pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.16pt;"></span></span><span style="left: 43.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-8959">35,104</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 272.25pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 285pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Trading assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 285pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-8960">15,520</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 285pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-8961">5,399</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 285pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4393" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-8962">9,991</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 285pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-8963">13,062</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 285pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-8964">12,900</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 285pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" id="f-8965"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 285pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.16pt;"></span></span><span style="left: 43.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading" format="ixt:num-dot-decimal" scale="6" id="f-8966">56,870</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 297.75pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Non-trading derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 297.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-8967">623</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 297.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 77.25pt;"></span></span><span style="left: 79.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-8968">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 297.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4393" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-8969">592</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 297.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-8970">1,555</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 297.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-8971">1,027</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 297.75pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" id="f-8972"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 297.75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.22pt;"></span></span><span style="left: 48.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-8973">3,893</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 310.5pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Mandatorily at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 310.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8974">29,153</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 310.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8975">10,504</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 310.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4393" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8976">3,753</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 310.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8977">2,329</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 310.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-8978">901</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 310.5pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 90.94pt;"></span></span><span style="left: 93.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" scale="6" id="f-8979">203</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 310.5pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.16pt;"></span></span><span style="left: 43.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-8980">46,844</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 323.25pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Designated as at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 323.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-8981">287</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 323.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-8982">158</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 323.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4393" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-8983">185</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 323.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-8984">2,497</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 323.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-8985">3,031</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 323.25pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" id="f-8986"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 323.25pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.22pt;"></span></span><span style="left: 48.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-8987">6,159</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 336pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through other comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 348.75pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Equity securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 348.75pt; position: var(--position); top: 348.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4395" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="f-8988"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 441.75pt; position: var(--position); top: 348.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4396" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="f-8989"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 534.75pt; position: var(--position); top: 348.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4397" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="f-8990"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 627.75pt; position: var(--position); top: 348.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4398" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="f-8991"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 720.75pt; position: var(--position); top: 348.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 87.37pt;"></span></span><span style="left: 90pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4399" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="f-8992"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 813.75pt; position: var(--position); top: 348.75pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.72pt;"></span></span><span style="left: 86.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4400" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-8993">1,887</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 925.5pt; position: var(--position); top: 348.75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.22pt;"></span></span><span style="left: 48.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4401" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-8994">1,887</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 363pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 363pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4402" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-8995">167</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 363pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4403" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-8996">420</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 363pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4404" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-8997">2,458</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 363pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4405" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-8998">12,587</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 363pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4406" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-8999">13,463</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 363pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4407" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="f-9000"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 363pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.16pt;"></span></span><span style="left: 43.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2694" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-9001">29,095</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 375.75pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Loans and advances<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 375.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 82.31pt;"></span></span><span style="left: 84.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4408" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-9002">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 375.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 82.31pt;"></span></span><span style="left: 84.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4409" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-9003">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 375.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 82.31pt;"></span></span><span style="left: 84.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4410" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-9004">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 375.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4411" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-9005">226</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 375.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4412" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-9006">407</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 375.75pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4413" xsi:nil="true" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" id="f-9007"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 375.75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.44pt;"></span></span><span style="left: 56.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4414" decimals="-6" name="ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncome" scale="6" id="f-9008">643</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 388.5pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Securities at amortised cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 388.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9009">1,810</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 388.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9010">1,719</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 388.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4393" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9011">4,566</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 388.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9012">24,689</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 388.5pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9013">15,376</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 388.5pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ifrs-full:FinancialAssetsAtAmortisedCost" id="f-9014"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 388.5pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.16pt;"></span></span><span style="left: 43.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9015">48,160</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 401.25pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 401.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9016">54,431</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 401.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9017">23,554</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 401.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.91pt;"></span></span><span style="left: 62.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4393" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9018">54,056</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 401.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.85pt;"></span></span><span style="left: 57.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9019">206,662</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 401.25pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.85pt;"></span></span><span style="left: 57.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9020">306,190</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 401.25pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 106.12pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ifrs-full:LoansAndAdvancesToCustomers" id="f-9021"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 401.25pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.1pt;"></span></span><span style="left: 38.730000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9022">644,893</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 414pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other assets <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 55.36pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 414pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ing:OtherAssetsIncludingCurrentAndDeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-9023">7,155</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 414pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 72.19pt;"></span></span><span style="left: 74.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ing:OtherAssetsIncludingCurrentAndDeferredTaxAssets" scale="6" id="f-9024">272</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 414pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4393" decimals="-6" name="ing:OtherAssetsIncludingCurrentAndDeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-9025">1,162</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 414pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ing:OtherAssetsIncludingCurrentAndDeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-9026">1,065</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 414pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.97pt;"></span></span><span style="left: 67.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ing:OtherAssetsIncludingCurrentAndDeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-9027">1,418</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 90pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 414pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83.72pt;"></span></span><span style="left: 86.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" decimals="-6" name="ing:OtherAssetsIncludingCurrentAndDeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-9028">4,600</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 108.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 414pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.16pt;"></span></span><span style="left: 43.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:OtherAssetsIncludingCurrentAndDeferredTaxAssets" format="ixt:num-dot-decimal" scale="6" id="f-9029">15,671</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 71.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 426.75pt; width: 348.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 348.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 348.75pt; position: var(--position); top: 426.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.77pt;"></span></span><span style="left: 56.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-9030">225,499</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 90.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 441.75pt; position: var(--position); top: 426.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.01pt;"></span></span><span style="left: 61.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-9031">43,754</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 90.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 534.75pt; position: var(--position); top: 426.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.01pt;"></span></span><span style="left: 61.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4393" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-9032">79,101</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 90.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 426.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.77pt;"></span></span><span style="left: 56.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-9033">266,861</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 90.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720.75pt; position: var(--position); top: 426.75pt; width: 93pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 93pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.77pt;"></span></span><span style="left: 56.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-9034">354,928</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 90.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 813.75pt; position: var(--position); top: 426.75pt; width: 111.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 111.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 83pt;"></span></span><span style="left: 85.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-9035">6,690</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 108.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 925.5pt; position: var(--position); top: 426.75pt; width: 74.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 74.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 35.02pt;"></span></span><span style="left: 37.650000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-9036">976,834</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 71.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-8854-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 524.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1 Includes assets on demand.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 534.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2 Includes assets such as current and deferred tax assets as presented in the consolidated statement of the financial position. Additionally, assets are included in that position where maturities are not applicable such as property and equipment and investments in associates and <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 543.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">joint ventures. Due to their nature non-financial assets consist mainly of assets expected to be recovered after more than 12 months.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -320<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_307"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfLiabilitiesByMaturityExplanatory" id="f-9037" continuedAt="f-9037-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">38&#160;  Liabilities and off-balance sheet commitments by maturity<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-9037-1" continuedAt="f-9037-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 81.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The tables below include all liabilities and off-balance sheet commitments by maturity based on <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 98.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">contractual, undiscounted cash flows. These balances are included in the maturity analysis as follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 116.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Perpetual liabilities are included in the column &#8216;Maturity not applicable&#8217;.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 129.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Derivative liabilities are included on a net basis if cash flows are settled net. For other derivative liabilities <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">the contractual gross cash flow payable is included.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 154.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Undiscounted future coupon interest on financial liabilities payable is included in a separate line and in <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 167.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">the relevant maturity bucket. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 180.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Non-financial liabilities are included based on a breakdown of the amounts per statement of financial <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 193.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">position, per expected maturity.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 206.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and other credit-related commitments are classified on the basis of the earliest date they can be <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">drawn down.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 246.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.46000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">&#8217;s expected cash flows on some financial liabilities vary significantly from contractual cash flows. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 258.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Principal differences are in demand deposits from customers that are expected to remain stable or increase <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 270.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and in unrecognised loan commitments that are not all expected to be drawn down immediately. Reference <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">is made to the liquidity risk paragraph in &#8216;Risk Management &#8211; Funding and liquidity risk&#8217; for a description on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 294.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">how liquidity risk is managed.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -321<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-9037-2" continuedAt="f-9037-3"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfMaturityOfFinancialAndNonFinancialLiabilitiesExplanatoryTableTextBlock" id="f-9038" continuedAt="f-9038-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 280.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 83.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 84pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 102pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Liabilities and off-balance sheet commitments by maturity<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 280.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 280.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 280.5pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.56pt; position: var(--position); text-decoration: none; white-space: pre;">Less than 1 month <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 84.08pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 370.5pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.37pt; position: var(--position); text-decoration: none; white-space: pre;">1&#8211;3 months<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 460.5pt; position: var(--position); top: 28.5pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.56pt; position: var(--position); text-decoration: none; white-space: pre;">3&#8211;12 months<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 543.75pt; position: var(--position); top: 28.5pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 42.19pt; position: var(--position); text-decoration: none; white-space: pre;">1&#8211;5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 627.75pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.71pt; position: var(--position); text-decoration: none; white-space: pre;">Over 5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 717.75pt; position: var(--position); top: 28.5pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.26pt; position: var(--position); text-decoration: none; white-space: pre;">Maturity not applicable<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.23pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustment&#160; <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 84.08pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 67.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 42.75pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deposits from banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 42.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-9039">9,294</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 42.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-9040">7,800</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 42.75pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.22pt;"></span></span><span style="left: 57.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-9041">2,074</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 42.75pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.97pt;"></span></span><span style="left: 58.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-9042">1,898</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 42.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-9043">2,002</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 42.75pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.37pt;"></span></span><span style="left: 99pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ifrs-full:DepositsFromBanks" id="f-9044"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 42.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4416" decimals="-6" name="ifrs-full:DepositsFromBanks" scale="6" id="f-9045">189</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 42.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-9046">23,257</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 55.5pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 55.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.85pt;"></span></span><span style="left: 54.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9047">583,335</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 55.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9048">19,510</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 55.5pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.16pt;"></span></span><span style="left: 52.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9049">40,976</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 55.5pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.97pt;"></span></span><span style="left: 58.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9050">3,585</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 55.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9051">1,931</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 55.5pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.37pt;"></span></span><span style="left: 99pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ifrs-full:DepositsFromCustomers" id="f-9052"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 55.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4416" decimals="-6" name="ifrs-full:DepositsFromCustomers" scale="6" id="f-9053">939</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 55.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.85pt;"></span></span><span style="left: 54.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9054">650,276</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 68.25pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 82.5pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Other trading liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 82.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9055">10,981</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 82.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" scale="6" id="f-9056">697</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 82.5pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.44pt;"></span></span><span style="left: 65.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" scale="6" id="f-9057">545</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 82.5pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.97pt;"></span></span><span style="left: 58.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9058">1,003</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 82.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" scale="6" id="f-9059">897</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 82.5pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.37pt;"></span></span><span style="left: 99pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" id="f-9060"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 82.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.9pt;"></span></span><span style="left: 73.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4416" decimals="-6" sign="-" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" scale="6" id="f-9061">36</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 82.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9062">14,087</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 95.25pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Trading derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9063">2,292</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9064">2,243</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 95.25pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.22pt;"></span></span><span style="left: 57.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9065">5,148</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 95.25pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.91pt;"></span></span><span style="left: 53.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9066">10,204</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9067">7,110</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 95.25pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.37pt;"></span></span><span style="left: 99pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" id="f-9068"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.62pt;"></span></span><span style="left: 61.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4416" decimals="-6" sign="-" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9069">3,865</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9070">23,132</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 108pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Non-trading derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 108pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-9071">505</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 108pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-9072">96</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 108pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.44pt;"></span></span><span style="left: 65.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-9073">139</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 108pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.97pt;"></span></span><span style="left: 58.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9074">1,002</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 108pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-9075">355</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 108pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.37pt;"></span></span><span style="left: 99pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" id="f-9076"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 108pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.9pt;"></span></span><span style="left: 73.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4416" decimals="-6" sign="-" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-9077">78</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 108pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9078">2,019</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 120.75pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Designated at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 120.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-9079">29,856</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 120.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-9080">12,754</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 120.75pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.22pt;"></span></span><span style="left: 57.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-9081">5,442</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 120.75pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.97pt;"></span></span><span style="left: 58.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-9082">3,834</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 120.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-9083">3,546</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 120.75pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 86.25pt;"></span></span><span style="left: 88.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-9084">25</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 120.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.9pt;"></span></span><span style="left: 73.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4416" decimals="-6" sign="-" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-9085">57</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 120.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-9086">55,400</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 133.5pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities in issue<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 133.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-9087">3,442</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 133.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-9088">10,801</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 133.5pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.16pt;"></span></span><span style="left: 52.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-9089">34,882</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 133.5pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.91pt;"></span></span><span style="left: 53.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-9090">47,134</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 133.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-9091">31,196</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 133.5pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.37pt;"></span></span><span style="left: 99pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ifrs-full:DebtSecurities" id="f-9092"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 133.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.62pt;"></span></span><span style="left: 61.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4416" decimals="-6" sign="-" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-9093">2,786</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 133.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.85pt;"></span></span><span style="left: 54.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-9094">124,670</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 146.25pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Subordinated loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 146.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" xsi:nil="true" name="ifrs-full:SubordinatedLiabilities" id="f-9095"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 146.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" xsi:nil="true" name="ifrs-full:SubordinatedLiabilities" id="f-9096"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 146.25pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 77.62pt;"></span></span><span style="left: 80.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" xsi:nil="true" name="ifrs-full:SubordinatedLiabilities" id="f-9097"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 146.25pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78.37pt;"></span></span><span style="left: 81pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" xsi:nil="true" name="ifrs-full:SubordinatedLiabilities" id="f-9098"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 146.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9099">9,104</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 146.25pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.97pt;"></span></span><span style="left: 76.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9100">6,988</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 146.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.84pt;"></span></span><span style="left: 68.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4416" decimals="-6" sign="-" name="ifrs-full:SubordinatedLiabilities" scale="6" id="f-9101">691</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 146.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9102">15,401</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 159pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Lease liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 159pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:LeaseLiabilities" scale="6" id="f-9103">17</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 159pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ifrs-full:LeaseLiabilities" scale="6" id="f-9104">45</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 159pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.44pt;"></span></span><span style="left: 65.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" decimals="-6" name="ifrs-full:LeaseLiabilities" scale="6" id="f-9105">175</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 159pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.19pt;"></span></span><span style="left: 65.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ifrs-full:LeaseLiabilities" scale="6" id="f-9106">627</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 159pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:LeaseLiabilities" scale="6" id="f-9107">359</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 159pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.37pt;"></span></span><span style="left: 99pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ifrs-full:LeaseLiabilities" id="f-9108"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 159pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.9pt;"></span></span><span style="left: 73.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4416" decimals="-6" sign="-" name="ifrs-full:LeaseLiabilities" scale="6" id="f-9109">61</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 159pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:LeaseLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9110">1,162</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 171.75pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 171.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9111">639,722</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 171.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.01pt;"></span></span><span style="left: 58.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9112">53,946</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 171.75pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.26pt;"></span></span><span style="left: 51.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9113">89,381</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 80.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 171.75pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.01pt;"></span></span><span style="left: 52.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9114">69,286</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 171.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.01pt;"></span></span><span style="left: 58.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9115">56,500</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 171.75pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.25pt;"></span></span><span style="left: 75.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9116">7,014</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 171.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.77pt;"></span></span><span style="left: 60.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4416" decimals="-6" sign="-" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9117">6,446</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 171.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9118">909,403</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 197.25pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other liabilities <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 64.67999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">3<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 197.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" format="ixt:num-dot-decimal" scale="6" id="f-9119">9,739</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 197.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" scale="6" id="f-9120">619</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 197.25pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.22pt;"></span></span><span style="left: 57.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" decimals="-6" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" format="ixt:num-dot-decimal" scale="6" id="f-9121">2,829</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 197.25pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.97pt;"></span></span><span style="left: 58.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" format="ixt:num-dot-decimal" scale="6" id="f-9122">1,662</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 197.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" scale="6" id="f-9123">420</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 197.25pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.37pt;"></span></span><span style="left: 99pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" id="f-9124"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 197.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4416" xsi:nil="true" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" id="f-9125"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 197.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" format="ixt:num-dot-decimal" scale="6" id="f-9126">15,268</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 222.75pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 222.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-9127">649,462</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 222.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.01pt;"></span></span><span style="left: 58.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-9128">54,565</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 222.75pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.26pt;"></span></span><span style="left: 51.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-9129">92,209</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 80.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 222.75pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.01pt;"></span></span><span style="left: 52.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-9130">70,948</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 222.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.01pt;"></span></span><span style="left: 58.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-9131">56,920</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 222.75pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.25pt;"></span></span><span style="left: 75.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-9132">7,014</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 222.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.77pt;"></span></span><span style="left: 60.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4416" decimals="-6" sign="-" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-9133">6,446</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 222.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-9134">924,671</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 248.25pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Coupon interest due on financial liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 248.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ing:CouponInterestDueOnFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9135">1,047</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 248.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ing:CouponInterestDueOnFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9136">1,653</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 248.25pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.22pt;"></span></span><span style="left: 57.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" decimals="-6" name="ing:CouponInterestDueOnFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9137">6,014</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 248.25pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.91pt;"></span></span><span style="left: 53.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ing:CouponInterestDueOnFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9138">10,007</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 248.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ing:CouponInterestDueOnFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9139">5,030</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 248.25pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.19pt;"></span></span><span style="left: 83.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" decimals="-6" name="ing:CouponInterestDueOnFinancialLiabilities" scale="6" id="f-9140">402</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 248.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4416" xsi:nil="true" name="ing:CouponInterestDueOnFinancialLiabilities" id="f-9141"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 248.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:CouponInterestDueOnFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9142">24,153</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 273.75pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Contingent liabilities in respect of<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 286.5pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Discounted bills<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 286.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.31pt;"></span></span><span style="left: 81.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4417" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="f-9143">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 286.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4418" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9144"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 286.5pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 77.62pt;"></span></span><span style="left: 80.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4419" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9145"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 286.5pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78.37pt;"></span></span><span style="left: 81pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4420" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9146"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 286.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4421" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9147"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 286.5pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.37pt;"></span></span><span style="left: 99pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4422" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9148"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4423" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9149"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 286.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.31pt;"></span></span><span style="left: 81.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4424" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="f-9150">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 299.25pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Guarantees<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 299.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4425" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9151">27,340</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 299.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4426" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9152"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 299.25pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 77.62pt;"></span></span><span style="left: 80.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4427" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9153"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 299.25pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.31pt;"></span></span><span style="left: 75.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4428" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="f-9154">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 299.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4429" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="f-9155">550</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 299.25pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.37pt;"></span></span><span style="left: 99pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4430" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9156"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 299.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4431" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9157"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 299.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4432" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9158">27,894</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 312pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Irrevocable letters of credit<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 312pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4433" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9159">14,925</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 312pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4434" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9160"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 312pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 77.62pt;"></span></span><span style="left: 80.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4435" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9161"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 312pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78.37pt;"></span></span><span style="left: 81pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4436" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9162"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 312pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4437" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9163"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 312pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.37pt;"></span></span><span style="left: 99pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4438" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9164"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 312pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4439" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9165"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 312pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4440" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9166">14,925</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 324.75pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Guarantees issued by ING Groep N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 324.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ing:GuaranteesIssued" scale="6" id="f-9167">197</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 324.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" xsi:nil="true" name="ing:GuaranteesIssued" id="f-9168"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 324.75pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 77.62pt;"></span></span><span style="left: 80.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" xsi:nil="true" name="ing:GuaranteesIssued" id="f-9169"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 324.75pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78.37pt;"></span></span><span style="left: 81pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" xsi:nil="true" name="ing:GuaranteesIssued" id="f-9170"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 324.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" xsi:nil="true" name="ing:GuaranteesIssued" id="f-9171"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 324.75pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.37pt;"></span></span><span style="left: 99pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ing:GuaranteesIssued" id="f-9172"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 324.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4416" xsi:nil="true" name="ing:GuaranteesIssued" id="f-9173"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 324.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:GuaranteesIssued" scale="6" id="f-9174">197</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 337.5pt; width: 280.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 280.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Irrevocable facilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 337.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.85pt;"></span></span><span style="left: 54.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ing:IrrevocableFacilities" format="ixt:num-dot-decimal" scale="6" id="f-9175">166,361</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 337.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ing:IrrevocableFacilities" scale="6" id="f-9176">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 337.5pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.5pt;"></span></span><span style="left: 70.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" decimals="-6" name="ing:IrrevocableFacilities" scale="6" id="f-9177">63</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 80.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 337.5pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.19pt;"></span></span><span style="left: 65.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ing:IrrevocableFacilities" scale="6" id="f-9178">314</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 337.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ing:IrrevocableFacilities" scale="6" id="f-9179">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 337.5pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.37pt;"></span></span><span style="left: 99pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 99pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ing:IrrevocableFacilities" id="f-9180"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 337.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4416" xsi:nil="true" name="ing:IrrevocableFacilities" id="f-9181"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 337.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.85pt;"></span></span><span style="left: 54.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:IrrevocableFacilities" format="ixt:num-dot-decimal" scale="6" id="f-9182">166,810</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 280.5pt; position: var(--position); top: 350.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4367" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9183">208,825</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 370.5pt; position: var(--position); top: 350.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.89pt;"></span></span><span style="left: 76.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4368" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" scale="6" id="f-9184">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 460.5pt; position: var(--position); top: 350.25pt; width: 83.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 83.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.14pt;"></span></span><span style="left: 69.77pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4415" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" scale="6" id="f-9185">63</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 80.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 543.75pt; position: var(--position); top: 350.25pt; width: 84pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.65pt;"></span></span><span style="left: 65.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3807" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" scale="6" id="f-9186">318</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 627.75pt; position: var(--position); top: 350.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.65pt;"></span></span><span style="left: 71.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2893" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" scale="6" id="f-9187">610</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 717.75pt; position: var(--position); top: 350.25pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 96.37pt;"></span></span><span style="left: 99pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 99.08999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4370" xsi:nil="true" name="ing:ContingentLiabilitiesAndCommitments" id="f-9188"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 350.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4416" xsi:nil="true" name="ing:ContingentLiabilitiesAndCommitments" id="f-9189"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 350.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9190">209,828</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-9038-1" continuedAt="f-9038-2"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 432.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1 Includes liabilities on demand.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 442.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2 This column reconciles the contractual undiscounted cash flows on financial liabilities to the statement of financial position values. The adjustments mainly relate to the impact of discounting and fair value hedge adjustments, and for derivatives, to the fact that the contractual <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 452.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">cash flows are presented on a gross basis (unless the cash flows are actually settled net).<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 461.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3 Includes Other liabilities, Current and deferred tax liabilities, and Provisions as presented in the Consolidated statement of financial position.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -322<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-9037-3"><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:continuation id="f-9038-2" continuedAt="f-9038-3"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 279.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 80.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 99.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 90pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Liabilities and off-balance sheet commitments by maturity<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 279.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 279.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 279.75pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.56pt; position: var(--position); text-decoration: none; white-space: pre;">Less than 1 month <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 84.08pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 369.75pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.4pt; position: var(--position); text-decoration: none; white-space: pre;">1&#8211;3 month<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 459.75pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.31pt; position: var(--position); text-decoration: none; white-space: pre;">3&#8211;12 months<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 549.75pt; position: var(--position); top: 28.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.44pt; position: var(--position); text-decoration: none; white-space: pre;">1&#8211;5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 630pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.71pt; position: var(--position); text-decoration: none; white-space: pre;">Over 5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 720pt; position: var(--position); top: 28.5pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.01pt; position: var(--position); text-decoration: none; white-space: pre;">Maturity not applicable<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 819.75pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.48pt; position: var(--position); text-decoration: none; white-space: pre;">Adjustment <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 84.08pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 909.75pt; position: var(--position); top: 28.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 67.3pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 42.75pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deposits from banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 42.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-9191">10,053</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 42.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-9192">2,238</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 42.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-9193">33,268</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 42.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-9194">9,878</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 42.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-9195">1,794</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 42.75pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.12pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ifrs-full:DepositsFromBanks" id="f-9196"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 42.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.84pt;"></span></span><span style="left: 68.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4442" decimals="-6" sign="-" name="ifrs-full:DepositsFromBanks" scale="6" id="f-9197">598</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 42.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-9198">56,632</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 55.5pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 55.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.85pt;"></span></span><span style="left: 54.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9199">605,154</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 55.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9200">16,127</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 55.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9201">15,045</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 55.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9202">2,729</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 55.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9203">1,872</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 55.5pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.12pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ifrs-full:DepositsFromCustomers" id="f-9204"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 55.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.84pt;"></span></span><span style="left: 68.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4442" decimals="-6" sign="-" name="ifrs-full:DepositsFromCustomers" scale="6" id="f-9205">128</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 55.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.85pt;"></span></span><span style="left: 54.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9206">640,799</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 68.25pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 82.5pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Other trading liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 82.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9207">5,778</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 82.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" scale="6" id="f-9208">875</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 82.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" scale="6" id="f-9209">304</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 82.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.44pt;"></span></span><span style="left: 62.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" scale="6" id="f-9210">771</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 82.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" scale="6" id="f-9211">575</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 82.5pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.12pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" id="f-9212"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 82.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.9pt;"></span></span><span style="left: 73.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4442" decimals="-6" sign="-" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" scale="6" id="f-9213">83</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 82.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughOtherTradingLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9214">8,219</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 95.25pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Trading derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9215">2,100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9216">2,319</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9217">4,942</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 95.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9218">9,330</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9219">3,609</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 95.25pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.12pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" id="f-9220"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4442" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9221">8,570</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 95.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9222">30,869</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 108pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Non-trading derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 108pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-9223">345</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 108pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-9224">288</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 108pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-9225">216</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 108pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9226">1,204</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 108pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-9227">470</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 108pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.12pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" id="f-9228"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 108pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4442" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" scale="6" id="f-9229">525</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 108pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" format="ixt:num-dot-decimal" scale="6" id="f-9230">3,048</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 120.75pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Designated at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 120.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-9231">31,505</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 120.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-9232">11,472</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 120.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-9233">1,626</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 120.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-9234">3,177</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 120.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-9235">3,701</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 120.75pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84pt;"></span></span><span style="left: 86.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-9236">22</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 120.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.84pt;"></span></span><span style="left: 68.47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4442" decimals="-6" sign="-" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" scale="6" id="f-9237">620</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 120.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition" format="ixt:num-dot-decimal" scale="6" id="f-9238">50,883</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 133.5pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debt securities in issue<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 133.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-9239">2,049</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 133.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-9240">11,227</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 133.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-9241">23,187</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 133.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.16pt;"></span></span><span style="left: 49.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-9242">30,769</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 133.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-9243">34,335</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 133.5pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.12pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ifrs-full:DebtSecurities" id="f-9244"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 133.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.62pt;"></span></span><span style="left: 61.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4442" decimals="-6" sign="-" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-9245">5,648</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 133.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:DebtSecurities" format="ixt:num-dot-decimal" scale="6" id="f-9246">95,918</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 146.25pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Subordinated loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 146.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" xsi:nil="true" name="ifrs-full:SubordinatedLiabilities" id="f-9247"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 146.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" xsi:nil="true" name="ifrs-full:SubordinatedLiabilities" id="f-9248"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 146.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" decimals="-6" name="ifrs-full:SubordinatedLiabilities" scale="6" id="f-9249">760</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 146.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.62pt;"></span></span><span style="left: 77.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" xsi:nil="true" name="ifrs-full:SubordinatedLiabilities" id="f-9250"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 146.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9251">9,936</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 146.25pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.72pt;"></span></span><span style="left: 74.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9252">6,307</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 146.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.62pt;"></span></span><span style="left: 61.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4442" decimals="-6" sign="-" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9253">1,218</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 146.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9254">15,786</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 159pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Lease liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 159pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ifrs-full:LeaseLiabilities" scale="6" id="f-9255">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 159pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ifrs-full:LeaseLiabilities" scale="6" id="f-9256">43</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 159pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" decimals="-6" name="ifrs-full:LeaseLiabilities" scale="6" id="f-9257">170</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 159pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.44pt;"></span></span><span style="left: 62.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ifrs-full:LeaseLiabilities" scale="6" id="f-9258">593</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 159pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:LeaseLiabilities" scale="6" id="f-9259">377</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 159pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.12pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ifrs-full:LeaseLiabilities" id="f-9260"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 159pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.9pt;"></span></span><span style="left: 73.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4442" decimals="-6" sign="-" name="ifrs-full:LeaseLiabilities" scale="6" id="f-9261">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 159pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:LeaseLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9262">1,174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 171.75pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 171.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9263">657,001</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 171.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.01pt;"></span></span><span style="left: 58.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9264">44,588</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 171.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.01pt;"></span></span><span style="left: 58.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9265">79,518</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 171.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.26pt;"></span></span><span style="left: 48.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9266">58,451</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 171.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.01pt;"></span></span><span style="left: 58.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9267">56,669</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 171.75pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71pt;"></span></span><span style="left: 73.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9268">6,329</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 96.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 171.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.65pt;"></span></span><span style="left: 71.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4442" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" scale="6" id="f-9269">771</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 171.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialLiabilitiesAtAmortisedCost" format="ixt:num-dot-decimal" scale="6" id="f-9270">903,328</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 197.25pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other liabilities <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 64.67999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">3<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 197.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" format="ixt:num-dot-decimal" scale="6" id="f-9271">9,913</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 197.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" scale="6" id="f-9272">683</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 197.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" decimals="-6" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" format="ixt:num-dot-decimal" scale="6" id="f-9273">2,466</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 197.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" format="ixt:num-dot-decimal" scale="6" id="f-9274">3,033</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 197.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" scale="6" id="f-9275">406</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 197.25pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.12pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" id="f-9276"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 197.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4442" xsi:nil="true" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" id="f-9277"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 197.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" format="ixt:num-dot-decimal" scale="6" id="f-9278">16,502</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 222.75pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 222.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-9279">666,914</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 222.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.01pt;"></span></span><span style="left: 58.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-9280">45,271</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 222.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.01pt;"></span></span><span style="left: 58.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-9281">81,984</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 222.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.26pt;"></span></span><span style="left: 48.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-9282">61,485</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 222.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.01pt;"></span></span><span style="left: 58.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-9283">57,075</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 222.75pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71pt;"></span></span><span style="left: 73.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-9284">6,329</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 96.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 222.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.65pt;"></span></span><span style="left: 71.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4442" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="f-9285">771</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 222.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-9286">919,829</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 248.25pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Coupon interest due on financial liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 248.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ing:CouponInterestDueOnFinancialLiabilities" scale="6" id="f-9287">430</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 248.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ing:CouponInterestDueOnFinancialLiabilities" scale="6" id="f-9288">714</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 248.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" decimals="-6" name="ing:CouponInterestDueOnFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9289">3,132</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 248.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ing:CouponInterestDueOnFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9290">6,346</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 248.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.97pt;"></span></span><span style="left: 64.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ing:CouponInterestDueOnFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9291">3,208</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 248.25pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 78.94pt;"></span></span><span style="left: 81.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" decimals="-6" name="ing:CouponInterestDueOnFinancialLiabilities" scale="6" id="f-9292">347</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 248.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4442" xsi:nil="true" name="ing:CouponInterestDueOnFinancialLiabilities" id="f-9293"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 248.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:CouponInterestDueOnFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9294">14,175</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 0pt; position: var(--position); top: 273.75pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Contingent liabilities in respect of<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 289.5pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Discounted bills<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; 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height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 302.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4443" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9295">28,304</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 302.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4444" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9296"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 302.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4445" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9297"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 302.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.56pt;"></span></span><span style="left: 72.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4446" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="f-9298">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 302.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4447" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="f-9299">550</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 302.25pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.12pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4448" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9300"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 302.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4449" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9301"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 302.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4450" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9302">28,859</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 315pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Irrevocable letters of credit<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 315pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4451" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9303">15,660</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 315pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.25pt;"></span></span><span style="left: 76.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4452" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="f-9304">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 315pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.31pt;"></span></span><span style="left: 81.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4453" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="f-9305">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 315pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.62pt;"></span></span><span style="left: 77.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4454" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9306"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 315pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4455" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9307"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 315pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.12pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4456" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9308"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 315pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4457" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9309"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 315pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.91pt;"></span></span><span style="left: 59.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4458" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9310">15,682</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 327.75pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 327.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4459" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9311"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 327.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4460" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9312"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 327.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4461" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9313"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 327.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.62pt;"></span></span><span style="left: 77.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4462" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9314"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 327.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.31pt;"></span></span><span style="left: 81.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4463" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="f-9315">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 327.75pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.12pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4464" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9316"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 327.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4465" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9317"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 327.75pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.31pt;"></span></span><span style="left: 81.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4466" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="f-9318">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 340.5pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Guarantees issued by ING Groep N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 340.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ing:GuaranteesIssued" scale="6" id="f-9319">336</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 340.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" xsi:nil="true" name="ing:GuaranteesIssued" id="f-9320"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 340.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" xsi:nil="true" name="ing:GuaranteesIssued" id="f-9321"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 340.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.62pt;"></span></span><span style="left: 77.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" xsi:nil="true" name="ing:GuaranteesIssued" id="f-9322"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 340.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" xsi:nil="true" name="ing:GuaranteesIssued" id="f-9323"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 340.5pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.12pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ing:GuaranteesIssued" id="f-9324"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 340.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4442" xsi:nil="true" name="ing:GuaranteesIssued" id="f-9325"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 340.5pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:GuaranteesIssued" scale="6" id="f-9326">336</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 353.25pt; width: 279.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 279.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Irrevocable facilities<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 82.05pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">4<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 353.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.85pt;"></span></span><span style="left: 54.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ing:IrrevocableFacilities" format="ixt:num-dot-decimal" scale="6" id="f-9327">161,147</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 353.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" xsi:nil="true" name="ing:IrrevocableFacilities" id="f-9328"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 353.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" decimals="-6" name="ing:IrrevocableFacilities" scale="6" id="f-9329">194</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 353.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.44pt;"></span></span><span style="left: 62.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ing:IrrevocableFacilities" scale="6" id="f-9330">434</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 353.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.19pt;"></span></span><span style="left: 71.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ing:IrrevocableFacilities" scale="6" id="f-9331">166</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 353.25pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.12pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ing:IrrevocableFacilities" id="f-9332"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 353.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4442" xsi:nil="true" name="ing:IrrevocableFacilities" id="f-9333"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 353.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.85pt;"></span></span><span style="left: 54.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:IrrevocableFacilities" format="ixt:num-dot-decimal" scale="6" id="f-9334">161,940</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 87pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 279.75pt; position: var(--position); top: 366pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4391" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9335">205,447</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 369.75pt; position: var(--position); top: 366pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.89pt;"></span></span><span style="left: 76.52pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4392" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" scale="6" id="f-9336">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 459.75pt; position: var(--position); top: 366pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.65pt;"></span></span><span style="left: 71.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4441" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" scale="6" id="f-9337">197</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 549.75pt; position: var(--position); top: 366pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.9pt;"></span></span><span style="left: 61.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3808" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" scale="6" id="f-9338">438</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 630pt; position: var(--position); top: 366pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.65pt;"></span></span><span style="left: 71.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2894" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" scale="6" id="f-9339">719</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 720pt; position: var(--position); top: 366pt; width: 99.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 99.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 94.12pt;"></span></span><span style="left: 96.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 96.83999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4394" xsi:nil="true" name="ing:ContingentLiabilitiesAndCommitments" id="f-9340"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 819.75pt; position: var(--position); top: 366pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 84.37pt;"></span></span><span style="left: 87pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4442" xsi:nil="true" name="ing:ContingentLiabilitiesAndCommitments" id="f-9341"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 909.75pt; position: var(--position); top: 366pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.77pt;"></span></span><span style="left: 53.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9342">206,820</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 87.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><ix:continuation id="f-9038-3"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 448.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Includes liabilities on demand.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 458.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">This column reconciles the contractual undiscounted cash flows on financial liabilities to the statement of financial position values. The adjustments mainly relate to the impact of discounting and fair value hedge adjustments, and for derivatives, to the fact that the contractual <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 467.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">cash flows are presented on a gross basis (unless the cash flows are actually settled net).<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 477.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Includes Other liabilities, Current and deferred tax liabilities, and Provisions as presented in the Consolidated statement of financial position.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -323<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_310"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfTransfersOfFinancialAssetsExplanatory" id="f-9343" continuedAt="f-9343-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">39&#160;  Transfer of financial assets, assets pledged and received as collateral<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-9343-1"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 98.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets pledged as collateral<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 113.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The financial assets pledged as collateral consist primarily of Loans and advances to customers pledged to <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">secure Debt securities in issue, deposits from the Dutch Central Bank and other banks, as well as debt <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">securities used in securities lending or sale and repurchase transactions. They serve to secure margin <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">accounts and are used for other purposes required by law. Pledges are generally conducted under terms <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">that are usual and customary for collateralised transactions including standard sale and repurchase <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">agreements, securities lending and borrowing and derivatives margining. The financial assets pledged are as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 199.51pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:ScheduleOfAssetsNotFreelyDisposableExplanatoryExplanatoryTableTextBlock" id="f-9344" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 395.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 395.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets pledged as collateral<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 39.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Cash and balances with central banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4467" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" scale="6" id="f-9345">322</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4468" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" scale="6" id="f-9346">364</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 54pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Loans and advances to banks<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4469" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9347">3,305</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 54pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4470" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9348">4,007</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 66.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2711" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9349">23,641</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 66.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2712" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9350">17,079</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 79.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through OCI<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 79.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2748" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9351">1,896</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 79.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2740" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9352">2,142</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 92.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Securities at amortised cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 92.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4471" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9353">2,672</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 92.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.97pt;"></span></span><span style="left: 19.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4472" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9354">3,578</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 105pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 105pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4473" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9355">73,860</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 105pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4474" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9356">98,917</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 117.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 117.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4475" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" scale="6" id="f-9357">357</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 117.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4476" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" scale="6" id="f-9358">596</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 130.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9359">106,052</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 130.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 5.77pt;"></span></span><span style="left: 8.399999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9360">126,682</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 42.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2023 the financial assets pledged as collateral reduced due to the partial repayment of ING's TLTRO III. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">addition, in some jurisdictions ING Bank N.V. has an obligation to maintain a reserve with central banks. As <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 386.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 51.769999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 136.57pt; position: var(--position); text-decoration: none; white-space: pre;">, the minimum mandatory reserve deposits with various central banks amount to EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 398.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4477" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9361">11,653</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 102.96000000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 108.64pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 131.16pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 156.29pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4478" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9362">11,108</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 219.28pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 427.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets received as collateral<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The financial assets received as collateral that can be sold or repledged in absence of default by the owner <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of the collateral consists of securities obtained through reverse repurchase transactions and securities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">borrowing transactions. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">These transactions are generally conducted under standard market terms for most repurchase transactions <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and the recipient of the collateral has unrestricted right to sell or repledge it, provided that the collateral (or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">equivalent collateral) is returned to the counterparty at term.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:ScheduleOfFinancialAssetsReceivedAsCollateralExplanatoryTableTextBlock" id="f-9363" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets received as collateral<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total received collateral available for sale or repledge at fair value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; equity securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3856" decimals="-6" name="ifrs-full:NoncashAssetsPledgedAsCollateralForWhichTransfereeHasRightByContractOrCustomToSellOrRepledgeCollateral" format="ixt:num-dot-decimal" scale="6" id="f-9364">33,234</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3857" decimals="-6" name="ifrs-full:NoncashAssetsPledgedAsCollateralForWhichTransfereeHasRightByContractOrCustomToSellOrRepledgeCollateral" format="ixt:num-dot-decimal" scale="6" id="f-9365">22,847</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2693" decimals="-6" name="ifrs-full:NoncashAssetsPledgedAsCollateralForWhichTransfereeHasRightByContractOrCustomToSellOrRepledgeCollateral" format="ixt:num-dot-decimal" scale="6" id="f-9366">119,908</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 6.85pt;"></span></span><span style="left: 9.48pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2694" decimals="-6" name="ifrs-full:NoncashAssetsPledgedAsCollateralForWhichTransfereeHasRightByContractOrCustomToSellOrRepledgeCollateral" format="ixt:num-dot-decimal" scale="6" id="f-9367">103,723</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">of which sold or repledged at fair value<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; equity securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3856" decimals="-6" name="ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-9368">20,526</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-3857" decimals="-6" name="ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-9369">18,613</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 103.5pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2693" decimals="-6" name="ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-9370">86,448</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 11.91pt;"></span></span><span style="left: 14.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-2694" decimals="-6" name="ifrs-full:AssetsSoldOrRepledgedAsCollateralAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-9371">66,636</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 203.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Transfer of financial assets<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 217.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The majority of ING's financial assets that have been transferred, but do not qualify for derecognition are <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 231.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">debt and equity instruments used in securities lending or sale and repurchase transactions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 243.96pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionExplanatory" id="f-9372" continuedAt="f-9372-1" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 480pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 192pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36pt;"/></tr><tr style="height: 14.25pt;"><td colspan="9" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 480pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 480pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Transfer of financial assets not qualifying for derecognition<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="4" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 192pt; position: var(--position); top: 14.25pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 70.84pt; position: var(--position); text-decoration: none; white-space: pre;">Securities lending<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="4" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 336pt; position: var(--position); top: 14.25pt; width: 144pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 144pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 59.6pt; position: var(--position); text-decoration: none; white-space: pre;">Sale and repurchase<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 192pt; position: var(--position); top: 30pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.85pt; position: var(--position); text-decoration: none; white-space: pre;">Equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 264pt; position: var(--position); top: 30pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 50.33pt; position: var(--position); text-decoration: none; white-space: pre;">Debt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336pt; position: var(--position); top: 30pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.85pt; position: var(--position); text-decoration: none; white-space: pre;">Equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 408pt; position: var(--position); top: 30pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 50.33pt; position: var(--position); text-decoration: none; white-space: pre;">Debt<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 0pt; position: var(--position); top: 44.25pt; width: 192pt;"><div><div style="line-height: 9pt; position: var(--position); top: 5.25pt; width: 192pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 192pt; position: var(--position); top: 44.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 36pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 228pt; position: var(--position); top: 44.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 36pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 264pt; position: var(--position); top: 44.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 36pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 300pt; position: var(--position); top: 44.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 36pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 336pt; position: var(--position); top: 44.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 36pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 372pt; position: var(--position); top: 44.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 36pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 408pt; position: var(--position); top: 44.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 36pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 444pt; position: var(--position); top: 44.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.94pt; width: 36pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 12.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 60pt; width: 192pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 192pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transferred assets at carrying amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 74.25pt; width: 192pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 192pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through profit or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 192pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 192pt; position: var(--position); top: 74.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.97pt;"></span></span><span style="left: 10.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4479" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" format="ixt:num-dot-decimal" scale="6" id="f-9373">3,894</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 228pt; position: var(--position); top: 74.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.97pt;"></span></span><span style="left: 10.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4480" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" format="ixt:num-dot-decimal" scale="6" id="f-9374">2,087</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 300pt; position: var(--position); top: 74.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 30.37pt;"></span></span><span style="left: 33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 336pt; position: var(--position); top: 74.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.97pt;"></span></span><span style="left: 10.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4481" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" format="ixt:num-dot-decimal" scale="6" id="f-9375">7,357</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 372pt; position: var(--position); top: 74.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.97pt;"></span></span><span style="left: 10.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4482" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" format="ixt:num-dot-decimal" scale="6" id="f-9376">6,357</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 408pt; position: var(--position); top: 74.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.91pt;"></span></span><span style="left: 5.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4483" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" format="ixt:num-dot-decimal" scale="6" id="f-9377">11,780</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 444pt; position: var(--position); top: 74.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.97pt;"></span></span><span style="left: 10.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4484" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" format="ixt:num-dot-decimal" scale="6" id="f-9378">7,178</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 98.25pt; width: 192pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 192pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through other <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 192pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">comprehensive income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 264pt; position: var(--position); top: 98.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.19pt;"></span></span><span style="left: 17.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4485" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="f-9379">328</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 300pt; position: var(--position); top: 98.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.19pt;"></span></span><span style="left: 17.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4486" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="f-9380">499</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 408pt; position: var(--position); top: 98.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.19pt;"></span></span><span style="left: 17.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4487" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="f-9381">470</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 444pt; position: var(--position); top: 98.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.19pt;"></span></span><span style="left: 17.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4488" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="f-9382">453</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 122.25pt; width: 192pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 192pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 408pt; position: var(--position); top: 122.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.97pt;"></span></span><span style="left: 10.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4489" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" format="ixt:num-dot-decimal" scale="6" id="f-9383">2,396</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444pt; position: var(--position); top: 122.25pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.97pt;"></span></span><span style="left: 10.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4490" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" format="ixt:num-dot-decimal" scale="6" id="f-9384">4,637</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 136.5pt; width: 192pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 192pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Securities at amortised cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 264pt; position: var(--position); top: 136.5pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.19pt;"></span></span><span style="left: 17.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4491" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="f-9385">431</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 300pt; position: var(--position); top: 136.5pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.19pt;"></span></span><span style="left: 17.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4492" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="f-9386">435</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 408pt; position: var(--position); top: 136.5pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.19pt;"></span></span><span style="left: 17.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4493" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="f-9387">465</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444pt; position: var(--position); top: 136.5pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.19pt;"></span></span><span style="left: 17.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4494" decimals="-6" name="ifrs-full:FairValueOfTransferredFinancialAssetsThatAreNotDerecognisedInTheirEntirety" scale="6" id="f-9388">261</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 13.5pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 164.25pt; width: 192pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 192pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Associated liabilities at carrying amount<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 170.38pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #929292; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 178.5pt; width: 192pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 192pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities at fair value through profit <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 192pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #929292; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 192pt; position: var(--position); top: 178.5pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.04pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #929292; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 228pt; position: var(--position); top: 178.5pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.04pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #929292; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 264pt; position: var(--position); top: 178.5pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.04pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #929292; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 300pt; position: var(--position); top: 178.5pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.04pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #929292; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 336pt; position: var(--position); top: 178.5pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 2.91pt;"></span></span><span style="left: 5.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4495" decimals="-6" name="ing:CarryingAmountOfAssociatedFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9389">11,010</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #929292; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 372pt; position: var(--position); top: 178.5pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.97pt;"></span></span><span style="left: 10.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4496" decimals="-6" name="ing:CarryingAmountOfAssociatedFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9390">6,245</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #929292; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 408pt; position: var(--position); top: 178.5pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.97pt;"></span></span><span style="left: 10.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4497" decimals="-6" name="ing:CarryingAmountOfAssociatedFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9391">9,467</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #929292; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 444pt; position: var(--position); top: 178.5pt; width: 36pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 36pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 7.97pt;"></span></span><span style="left: 10.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4498" decimals="-6" name="ing:CarryingAmountOfAssociatedFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9392">8,932</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 33pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-9372-1" continuedAt="f-9372-2"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 455.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">The table includes the associated liabilities which are reported after offsetting, compared to the gross positions of the encumbered <span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 465.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-9372-2">assets.</ix:continuation> <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 499.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The table above does not include assets transferred to consolidated securitisation entities as the related <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 511.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assets remain recognised in the consolidated statement of financial position. Transferred financial assets <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 523.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that are derecognised in their entirety are mentioned in Note 45 'Structured entities'.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -324<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_313"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory" id="f-9393" continuedAt="f-9393-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">40&#160;  Offsetting financial assets and liabilities<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-9393-1" continuedAt="f-9393-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 81.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The following tables include information about rights to offset and the related arrangements. The amounts <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 98.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">included consist of all recognised financial instruments that are presented net in the statement of financial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 110.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">position under the IFRS netting criteria (legal right to offset and intention to settle net or to realise the asset <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 122.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and settle the liability simultaneously) and amounts presented gross in the statement of financial position <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 134.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">but subject to enforceable master netting arrangements or similar arrangements.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 161.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">At ING Group amounts that are offset mainly relate to derivatives transactions, sale and repurchase <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 173.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">agreements, securities lending agreements and cash pooling arrangements. A significant portion of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 185.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">offsetting is applied to OTC derivatives which are cleared through central clearing parties.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 212.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Related amounts not set off in the statement of financial position include transactions where:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 224.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">The counterparty has an offsetting exposure and a master netting or similar arrangement is in place with <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 237.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">a right to set off only in the event of default, insolvency or bankruptcy, or the offsetting criteria are <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">otherwise not satisfied, and<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">In the case of derivatives and securities lending or sale and repurchase agreements, cash and non-cash <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 275.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">collateral has been received or pledged to cover net exposure in the event of a default or other <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 288.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">predetermined events. The effect of over-collateralisation is excluded. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The net amounts resulting after set off are not intended to represent ING&#8217;s actual exposure to counterparty <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk, as risk management employs a number of credit risk mitigation strategies in addition to netting and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">collateral arrangements. Reference is made in the Risk Management Credit risk&#8217; section &#8216;Credit risk <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">mitigation'.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -325<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-9393-2" continuedAt="f-9393-3"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfReconciliationOfFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsToIndividualLineItemsInStatementOfFinancialPositionExplanatory" id="f-9394" continuedAt="f-9394-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 195pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 148.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 86.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 86.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 86.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 85.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 84.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 73.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="10" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 999pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 999pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets subject to offsetting, enforceable master netting arrangements and similar agreements<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 69pt; left: 0pt; position: var(--position); top: 14.25pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 47.7pt; width: 195pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 58.5pt; width: 195pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 69pt; left: 343.5pt; position: var(--position); top: 14.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 36.9pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.67pt; position: var(--position); text-decoration: none; white-space: pre;">Gross amounts of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 47.7pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.3pt; position: var(--position); text-decoration: none; white-space: pre;">recognised financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 58.5pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 58.28pt; position: var(--position); text-decoration: none; white-space: pre;">assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 69pt; left: 429.75pt; position: var(--position); top: 14.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.3pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.67pt; position: var(--position); text-decoration: none; white-space: pre;">Gross amounts of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.1pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.3pt; position: var(--position); text-decoration: none; white-space: pre;">recognised financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 36.9pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.09pt; position: var(--position); text-decoration: none; white-space: pre;">liabilities offset in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 47.7pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.45pt; position: var(--position); text-decoration: none; white-space: pre;">the statement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 58.5pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.43pt; position: var(--position); text-decoration: none; white-space: pre;">financial position<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 69pt; left: 516pt; position: var(--position); top: 14.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.3pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.52pt; position: var(--position); text-decoration: none; white-space: pre;">Net amounts of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.1pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial assets <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 36.9pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.77pt; position: var(--position); text-decoration: none; white-space: pre;">presented in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 47.7pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.11pt; position: var(--position); text-decoration: none; white-space: pre;">statement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 58.5pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.43pt; position: var(--position); text-decoration: none; white-space: pre;">financial position<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 602.25pt; position: var(--position); top: 14.25pt; width: 170.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 170.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30pt; position: var(--position); text-decoration: none; white-space: pre;">Related amounts not offset&#160; in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 170.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.67pt; position: var(--position); text-decoration: none; white-space: pre;">statement of financial position<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 69pt; left: 772.5pt; position: var(--position); top: 14.25pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 58.5pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.04pt; position: var(--position); text-decoration: none; white-space: pre;">Net amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 69pt; left: 846pt; position: var(--position); top: 14.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 15.3pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.02pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts not <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.1pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.3pt; position: var(--position); text-decoration: none; white-space: pre;">subject to <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 36.9pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.2pt; position: var(--position); text-decoration: none; white-space: pre;">enforceable <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 47.7pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.79pt; position: var(--position); text-decoration: none; white-space: pre;">netting <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 58.5pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.32pt; position: var(--position); text-decoration: none; white-space: pre;">arrangements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 69pt; left: 922.5pt; position: var(--position); top: 14.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 36.9pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.83pt; position: var(--position); text-decoration: none; white-space: pre;">Statement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 47.7pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.68pt; position: var(--position); text-decoration: none; white-space: pre;">financial position <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 58.5pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 50.09pt; position: var(--position); text-decoration: none; white-space: pre;">total &#185;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 45pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45pt; left: 602.25pt; position: var(--position); top: 38.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 23.7pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 47.45pt; position: var(--position); text-decoration: none; white-space: pre;">Financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 34.5pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.1pt; position: var(--position); text-decoration: none; white-space: pre;">instruments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45pt; left: 687.75pt; position: var(--position); top: 38.25pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.1pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.62pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 12.9pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.35pt; position: var(--position); text-decoration: none; white-space: pre;">instruments <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 23.7pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.97pt; position: var(--position); text-decoration: none; white-space: pre;">received as <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 34.5pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.87pt; position: var(--position); text-decoration: none; white-space: pre;">collateral<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 83.25pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Statement of financial position line item<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 195pt; position: var(--position); top: 83.25pt; width: 148.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 148.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial instrument<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 97.5pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 123.66pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 195pt; position: var(--position); top: 97.5pt; width: 148.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 148.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Reverse repurchase, securities&#160; <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 148.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">borrowing and similar agreements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 343.5pt; position: var(--position); top: 97.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.22pt;"></span></span><span style="left: 60.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4499" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9395">1,840</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 429.75pt; position: var(--position); top: 97.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.15pt;"></span></span><span style="left: 69.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4499" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9396">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 516pt; position: var(--position); top: 97.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.22pt;"></span></span><span style="left: 60.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4499" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9397">1,811</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 602.25pt; position: var(--position); top: 97.5pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4499" xsi:nil="true" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" id="f-9398"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 687.75pt; position: var(--position); top: 97.5pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.72pt;"></span></span><span style="left: 59.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4499" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9399">1,811</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 772.5pt; position: var(--position); top: 97.5pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.87pt;"></span></span><span style="left: 70.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 70.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4499" xsi:nil="true" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9400"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 846pt; position: var(--position); top: 97.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4499" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9401">3,440</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 922.5pt; position: var(--position); top: 97.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4499" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9402">5,251</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 195pt; position: var(--position); top: 121.5pt; width: 148.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 148.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 121.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.62pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4500" xsi:nil="true" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9403"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 429.75pt; position: var(--position); top: 121.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.62pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4500" xsi:nil="true" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9404"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 516pt; position: var(--position); top: 121.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.62pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4500" xsi:nil="true" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" id="f-9405"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 121.5pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4500" xsi:nil="true" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" id="f-9406"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 687.75pt; position: var(--position); top: 121.5pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.12pt;"></span></span><span style="left: 81.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 772.5pt; position: var(--position); top: 121.5pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.87pt;"></span></span><span style="left: 70.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 70.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4500" xsi:nil="true" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9407"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846pt; position: var(--position); top: 121.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4500" xsi:nil="true" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" id="f-9408"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 121.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4500" xsi:nil="true" name="ing:FinancialAssetsStatementOfFinancialPosition" id="f-9409"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 134.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.5pt;"></span></span><span style="left: 60.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4501" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9410">1,840</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 429.75pt; position: var(--position); top: 134.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.66pt;"></span></span><span style="left: 69.28999999999999pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4501" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9411">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 516pt; position: var(--position); top: 134.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.5pt;"></span></span><span style="left: 60.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4501" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9412">1,811</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 134.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4501" xsi:nil="true" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" id="f-9413"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 687.75pt; position: var(--position); top: 134.25pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56pt;"></span></span><span style="left: 58.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4501" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9414">1,811</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 772.5pt; position: var(--position); top: 134.25pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.87pt;"></span></span><span style="left: 70.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 70.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4501" xsi:nil="true" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9415"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846pt; position: var(--position); top: 134.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.75pt;"></span></span><span style="left: 50.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4501" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9416">3,440</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 134.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.75pt;"></span></span><span style="left: 50.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4501" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9417">5,251</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 147pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through profit or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 171pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Trading and Non-trading<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 195pt; position: var(--position); top: 171pt; width: 148.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 148.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Reverse repurchase, securities <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 148.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">borrowing and similar agreements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 343.5pt; position: var(--position); top: 171pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.16pt;"></span></span><span style="left: 55.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4502" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9418">76,304</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 429.75pt; position: var(--position); top: 171pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.81pt;"></span></span><span style="left: 52.440000000000005pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4502" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9419">34,738</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 516pt; position: var(--position); top: 171pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.16pt;"></span></span><span style="left: 55.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4502" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9420">41,566</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 602.25pt; position: var(--position); top: 171pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.69pt;"></span></span><span style="left: 67.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4502" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="f-9421">235</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 687.75pt; position: var(--position); top: 171pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.66pt;"></span></span><span style="left: 54.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4502" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9422">41,063</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 772.5pt; position: var(--position); top: 171pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.69pt;"></span></span><span style="left: 55.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4502" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9423">268</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 70.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 846pt; position: var(--position); top: 171pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4502" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9424">22,091</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 922.5pt; position: var(--position); top: 171pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4502" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9425">63,657</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 195pt; position: var(--position); top: 195pt; width: 148.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 148.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 48.89pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">3<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 195pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.1pt;"></span></span><span style="left: 50.730000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4503" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9426">105,928</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 429.75pt; position: var(--position); top: 195pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.81pt;"></span></span><span style="left: 52.440000000000005pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4503" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9427">83,312</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 516pt; position: var(--position); top: 195pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.16pt;"></span></span><span style="left: 55.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4503" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9428">22,617</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 195pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.41pt;"></span></span><span style="left: 55.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4503" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9429">14,868</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 687.75pt; position: var(--position); top: 195pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.72pt;"></span></span><span style="left: 59.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4503" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9430">2,915</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 772.5pt; position: var(--position); top: 195pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.47pt;"></span></span><span style="left: 48.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4503" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9431">4,834</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 70.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846pt; position: var(--position); top: 195pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4503" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9432">5,091</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 195pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4503" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9433">27,708</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 207.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.02pt;"></span></span><span style="left: 49.650000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4504" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9434">182,232</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 429.75pt; position: var(--position); top: 207.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.54pt;"></span></span><span style="left: 46.17pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4504" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9435">118,049</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 516pt; position: var(--position); top: 207.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.26pt;"></span></span><span style="left: 54.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4504" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9436">64,183</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 207.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.51pt;"></span></span><span style="left: 54.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4504" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9437">15,103</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 687.75pt; position: var(--position); top: 207.75pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.76pt;"></span></span><span style="left: 53.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4504" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9438">43,977</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 772.5pt; position: var(--position); top: 207.75pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.75pt;"></span></span><span style="left: 47.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4504" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9439">5,102</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 70.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846pt; position: var(--position); top: 207.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.51pt;"></span></span><span style="left: 45.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4504" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9440">27,182</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 207.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.51pt;"></span></span><span style="left: 45.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4504" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9441">91,365</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 220.5pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 145.04999999999998pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">4<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 195pt; position: var(--position); top: 220.5pt; width: 148.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 148.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Reverse repurchase, securities <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 148.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">borrowing and similar agreements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 343.5pt; position: var(--position); top: 220.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.62pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4505" xsi:nil="true" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9442"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 429.75pt; position: var(--position); top: 220.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.62pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4505" xsi:nil="true" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9443"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 516pt; position: var(--position); top: 220.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.62pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4505" xsi:nil="true" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" id="f-9444"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 602.25pt; position: var(--position); top: 220.5pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4505" xsi:nil="true" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" id="f-9445"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 687.75pt; position: var(--position); top: 220.5pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.12pt;"></span></span><span style="left: 81.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4505" xsi:nil="true" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" id="f-9446"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 772.5pt; position: var(--position); top: 220.5pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.87pt;"></span></span><span style="left: 70.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 70.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4505" xsi:nil="true" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9447"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 846pt; position: var(--position); top: 220.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4505" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" scale="6" id="f-9448">499</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 922.5pt; position: var(--position); top: 220.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4505" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" scale="6" id="f-9449">499</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 195pt; position: var(--position); top: 244.5pt; width: 148.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 148.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash pools<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 244.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.1pt;"></span></span><span style="left: 50.730000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4506" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9450">236,233</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 429.75pt; position: var(--position); top: 244.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.75pt;"></span></span><span style="left: 47.38pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4506" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9451">234,617</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 516pt; position: var(--position); top: 244.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.22pt;"></span></span><span style="left: 60.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4506" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9452">1,616</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 244.5pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.75pt;"></span></span><span style="left: 72.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4506" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="f-9453">41</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 687.75pt; position: var(--position); top: 244.5pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.72pt;"></span></span><span style="left: 59.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4506" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9454">1,217</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 772.5pt; position: var(--position); top: 244.5pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.69pt;"></span></span><span style="left: 55.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4506" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9455">358</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 70.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846pt; position: var(--position); top: 244.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4506" xsi:nil="true" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" id="f-9456"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 244.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4506" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9457">1,616</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 257.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.02pt;"></span></span><span style="left: 49.650000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4507" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9458">236,233</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 429.75pt; position: var(--position); top: 257.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.54pt;"></span></span><span style="left: 46.17pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4507" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9459">234,617</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 516pt; position: var(--position); top: 257.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.5pt;"></span></span><span style="left: 60.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4507" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9460">1,616</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 257.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.39pt;"></span></span><span style="left: 72.02pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4507" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="f-9461">41</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 687.75pt; position: var(--position); top: 257.25pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56pt;"></span></span><span style="left: 58.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4507" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9462">1,217</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 772.5pt; position: var(--position); top: 257.25pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.15pt;"></span></span><span style="left: 54.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4507" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9463">358</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 70.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846pt; position: var(--position); top: 257.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.15pt;"></span></span><span style="left: 57.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4507" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" scale="6" id="f-9464">499</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 257.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.75pt;"></span></span><span style="left: 50.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4507" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9465">2,115</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 270pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other items where offsetting is applied in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">statement of financial position<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 125.58pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;"> 5<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 343.5pt; position: var(--position); top: 270pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.5pt;"></span></span><span style="left: 60.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4508" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9466">7,124</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 429.75pt; position: var(--position); top: 270pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.02pt;"></span></span><span style="left: 56.650000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4508" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9467">6,428</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 516pt; position: var(--position); top: 270pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.9pt;"></span></span><span style="left: 67.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4508" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="f-9468">695</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 602.25pt; position: var(--position); top: 270pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.39pt;"></span></span><span style="left: 72.02pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4508" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="f-9469">21</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 687.75pt; position: var(--position); top: 270pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.12pt;"></span></span><span style="left: 81.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.83999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4508" xsi:nil="true" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" id="f-9470"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 772.5pt; position: var(--position); top: 270pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.15pt;"></span></span><span style="left: 54.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4508" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9471">675</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 70.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 846pt; position: var(--position); top: 270pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4508" xsi:nil="true" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" id="f-9472"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 922.5pt; position: var(--position); top: 270pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.15pt;"></span></span><span style="left: 57.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4508" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" scale="6" id="f-9473">695</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 306.75pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total financial assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 306.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.02pt;"></span></span><span style="left: 49.650000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9474">427,428</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 429.75pt; position: var(--position); top: 306.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.54pt;"></span></span><span style="left: 46.17pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9475">359,124</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 516pt; position: var(--position); top: 306.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.26pt;"></span></span><span style="left: 54.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9476">68,305</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 602.25pt; position: var(--position); top: 306.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.51pt;"></span></span><span style="left: 54.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9477">15,165</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 687.75pt; position: var(--position); top: 306.75pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.76pt;"></span></span><span style="left: 53.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9478">47,005</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 772.5pt; position: var(--position); top: 306.75pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.75pt;"></span></span><span style="left: 47.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9479">6,135</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 70.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846pt; position: var(--position); top: 306.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.51pt;"></span></span><span style="left: 45.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9480">31,121</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 306.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.51pt;"></span></span><span style="left: 45.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9481">99,425</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-9394-1" continuedAt="f-9394-2"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 389.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;The statement of financial position total&#8217; is the sum of &#8216;Net amounts of financial assets presented in the statement of financial position&#8217; and &#8217;Amounts not subject to enforceable master netting arrangements&#8217;.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 399.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">At <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 57.14pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 124.93pt; position: var(--position); text-decoration: none; white-space: pre;">, the total amount of &#8216;Loans and advances to banks&#8217; excluding repurchase agreements is EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 459.65pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4509" decimals="-6" name="ing:LoansAndAdvancesToBanksExcludingRepurchaseAgreementsNotSubjectToOffsetting" format="ixt:num-dot-decimal" scale="6" id="f-9482">11,458</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 484.07pt; position: var(--position); text-decoration: none; white-space: pre;"> million which is not subject to offsetting.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 408.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Derivative assets and derivative liabilities include certain exchange traded future and option positions with the same underlying. <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 418.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">4<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">At <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 57.14pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 124.93pt; position: var(--position); text-decoration: none; white-space: pre;">, the total amount of &#8216;Loans and advances to customers&#8217; excluding repurchase agreements is EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 476.22pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4506" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9483">646,814</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 505.14pt; position: var(--position); text-decoration: none; white-space: pre;"> million of which the net cash pool position of EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 684.74pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4506" decimals="-6" name="ing:LoansAndAdvancesToCustomersExcludingRepurchaseAgreementSubjectToOffsetting" format="ixt:num-dot-decimal" scale="6" id="f-9484">1,616</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 704.6600000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> million is subject to offsetting. Cash pools mainly relate to our subsidiary Bank Mendes Gans.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 427.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">5<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Other items mainly include amounts to be settled with Central Clearing Counterparties regarding securities and derivatives transactions and is included in &#8216;Other Assets &#8211; Amounts to be settled&#8217; for EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 764.27pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4508" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-9485">3,869</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 784.19pt; position: var(--position); text-decoration: none; white-space: pre;"> million in the statement of financial position of which EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 994.1800000000001pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4508" decimals="-6" name="ing:OtherAssetsExcludingRepurchaseAgreementSubjectToOffsetting" scale="6" id="f-9486">695</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 1007.6800000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> million <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 437.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">is subject to offsetting as at <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 147.57999999999998pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 215.37pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -326<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-9393-3" continuedAt="f-9393-4"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:continuation id="f-9394-2" continuedAt="f-9394-3"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 1001.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 195pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 149.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 87pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 87pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 87pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 84.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 84.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 73.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/></tr><tr style="height: 18pt;"><td colspan="10" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 18pt; left: 0pt; position: var(--position); top: 0pt; width: 1001.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 6.5pt; width: 1001.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets subject to offsetting, enforceable master netting arrangements and similar agreements<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 69.75pt; left: 0pt; position: var(--position); top: 18pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 48.45pt; width: 195pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 59.25pt; width: 195pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 69.75pt; left: 344.25pt; position: var(--position); top: 18pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 37.65pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.42pt; position: var(--position); text-decoration: none; white-space: pre;">Gross amounts of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 48.45pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.05pt; position: var(--position); text-decoration: none; white-space: pre;">recognised financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 59.25pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 59.03pt; position: var(--position); text-decoration: none; white-space: pre;">assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 69.75pt; left: 431.25pt; position: var(--position); top: 18pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.05pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 13.42pt; position: var(--position); text-decoration: none; white-space: pre;">Gross amounts of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.85pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.05pt; position: var(--position); text-decoration: none; white-space: pre;">recognised financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 37.65pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.84pt; position: var(--position); text-decoration: none; white-space: pre;">liabilities offset in <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 48.45pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.2pt; position: var(--position); text-decoration: none; white-space: pre;">the statement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 59.25pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.18pt; position: var(--position); text-decoration: none; white-space: pre;">financial position<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 69.75pt; left: 518.25pt; position: var(--position); top: 18pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.05pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.27pt; position: var(--position); text-decoration: none; white-space: pre;">Net amounts of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.85pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.72pt; position: var(--position); text-decoration: none; white-space: pre;">financial assets <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 37.65pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 18.52pt; position: var(--position); text-decoration: none; white-space: pre;">presented in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 48.45pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.86pt; position: var(--position); text-decoration: none; white-space: pre;">statement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 59.25pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.18pt; position: var(--position); text-decoration: none; white-space: pre;">financial position<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 605.25pt; position: var(--position); top: 18pt; width: 169.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 169.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.5pt; position: var(--position); text-decoration: none; white-space: pre;">Related amounts not offset in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 169.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 43.92pt; position: var(--position); text-decoration: none; white-space: pre;">statement of financial position<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 69.75pt; left: 774.75pt; position: var(--position); top: 18pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 59.25pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 22.04pt; position: var(--position); text-decoration: none; white-space: pre;">Net amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 69.75pt; left: 848.25pt; position: var(--position); top: 18pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 16.05pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.02pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts not <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 26.85pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.3pt; position: var(--position); text-decoration: none; white-space: pre;">subject to <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 37.65pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.2pt; position: var(--position); text-decoration: none; white-space: pre;">enforceable <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 48.45pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.79pt; position: var(--position); text-decoration: none; white-space: pre;">netting <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 59.25pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.32pt; position: var(--position); text-decoration: none; white-space: pre;">arrangements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 69.75pt; left: 924.75pt; position: var(--position); top: 18pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 37.65pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.83pt; position: var(--position); text-decoration: none; white-space: pre;">Statement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 48.45pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 5.68pt; position: var(--position); text-decoration: none; white-space: pre;">financial position <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 59.25pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 50.09pt; position: var(--position); text-decoration: none; white-space: pre;">total &#185;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 45.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 605.25pt; position: var(--position); top: 42pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 46.7pt; position: var(--position); text-decoration: none; white-space: pre;">Financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.35pt; position: var(--position); text-decoration: none; white-space: pre;">instruments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 45.75pt; left: 690pt; position: var(--position); top: 42pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.85pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 8.62pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.65pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.35pt; position: var(--position); text-decoration: none; white-space: pre;">instruments <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.45pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.97pt; position: var(--position); text-decoration: none; white-space: pre;">received as <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.25pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.87pt; position: var(--position); text-decoration: none; white-space: pre;">collateral<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 87.75pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Statement of financial position line item<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 195pt; position: var(--position); top: 87.75pt; width: 149.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 149.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial instrument<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 102pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to banks <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 126.07pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 195pt; position: var(--position); top: 102pt; width: 149.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 149.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Reverse repurchase, securities <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 149.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">borrowing and similar agreements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 344.25pt; position: var(--position); top: 102pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.97pt;"></span></span><span style="left: 61.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4510" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9487">2,576</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 431.25pt; position: var(--position); top: 102pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.37pt;"></span></span><span style="left: 84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4510" xsi:nil="true" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9488"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 518.25pt; position: var(--position); top: 102pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.97pt;"></span></span><span style="left: 61.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4510" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9489">2,576</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 605.25pt; position: var(--position); top: 102pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.12pt;"></span></span><span style="left: 81.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4510" xsi:nil="true" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" id="f-9490"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 690pt; position: var(--position); top: 102pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.72pt;"></span></span><span style="left: 59.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4510" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9491">2,549</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 774.75pt; position: var(--position); top: 102pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.75pt;"></span></span><span style="left: 60.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4510" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9492">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 70.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 848.25pt; position: var(--position); top: 102pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4510" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9493">16,820</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 924.75pt; position: var(--position); top: 102pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4510" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9494">19,395</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 195pt; position: var(--position); top: 126pt; width: 149.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 149.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 126pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.31pt;"></span></span><span style="left: 78.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4511" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9495">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 431.25pt; position: var(--position); top: 126pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.37pt;"></span></span><span style="left: 84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4511" xsi:nil="true" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9496"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 518.25pt; position: var(--position); top: 126pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.31pt;"></span></span><span style="left: 78.94pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4511" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="f-9497">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 605.25pt; position: var(--position); top: 126pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.06pt;"></span></span><span style="left: 76.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4511" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="f-9498">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 690pt; position: var(--position); top: 126pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.12pt;"></span></span><span style="left: 81.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4511" xsi:nil="true" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" id="f-9499"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 126pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.87pt;"></span></span><span style="left: 70.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 70.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4511" xsi:nil="true" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9500"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 848.25pt; position: var(--position); top: 126pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.46pt;"></span></span><span style="left: 65.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4511" decimals="-6" sign="-" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" scale="6" id="f-9501">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 924.75pt; position: var(--position); top: 126pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4511" xsi:nil="true" name="ing:FinancialAssetsStatementOfFinancialPosition" id="f-9502"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 140.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.25pt;"></span></span><span style="left: 60.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4512" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9503">2,576</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 431.25pt; position: var(--position); top: 140.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.37pt;"></span></span><span style="left: 84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4512" xsi:nil="true" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9504"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 518.25pt; position: var(--position); top: 140.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.25pt;"></span></span><span style="left: 60.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4512" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9505">2,576</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 605.25pt; position: var(--position); top: 140.25pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 73.88pt;"></span></span><span style="left: 76.50999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4512" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="f-9506">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 690pt; position: var(--position); top: 140.25pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56pt;"></span></span><span style="left: 58.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4512" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9507">2,549</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 140.25pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.39pt;"></span></span><span style="left: 60.02pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4512" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9508">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 70.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 848.25pt; position: var(--position); top: 140.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.51pt;"></span></span><span style="left: 45.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4512" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9509">16,819</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 924.75pt; position: var(--position); top: 140.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.51pt;"></span></span><span style="left: 45.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4512" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9510">19,395</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 154.5pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial assets at fair value through profit or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 178.5pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Trading and Non-trading<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 195pt; position: var(--position); top: 178.5pt; width: 149.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 149.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Reverse repurchase, securities <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 149.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">borrowing and similar agreements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 344.25pt; position: var(--position); top: 178.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.91pt;"></span></span><span style="left: 56.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4513" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9511">51,870</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 431.25pt; position: var(--position); top: 178.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.56pt;"></span></span><span style="left: 53.190000000000005pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4513" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9512">21,245</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 518.25pt; position: var(--position); top: 178.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.91pt;"></span></span><span style="left: 56.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4513" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9513">30,625</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 605.25pt; position: var(--position); top: 178.5pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.94pt;"></span></span><span style="left: 66.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4513" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="f-9514">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 690pt; position: var(--position); top: 178.5pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.66pt;"></span></span><span style="left: 54.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4513" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9515">29,813</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 774.75pt; position: var(--position); top: 178.5pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.69pt;"></span></span><span style="left: 55.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4513" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9516">710</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 70.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 848.25pt; position: var(--position); top: 178.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4513" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9517">22,260</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 924.75pt; position: var(--position); top: 178.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4513" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9518">52,886</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 195pt; position: var(--position); top: 202.5pt; width: 149.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 149.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 202.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.85pt;"></span></span><span style="left: 51.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4514" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9519">134,253</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 431.25pt; position: var(--position); top: 202.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.5pt;"></span></span><span style="left: 48.13pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4514" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9520">106,523</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 518.25pt; position: var(--position); top: 202.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.91pt;"></span></span><span style="left: 56.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4514" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9521">27,730</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 605.25pt; position: var(--position); top: 202.5pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.66pt;"></span></span><span style="left: 54.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4514" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9522">18,190</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 690pt; position: var(--position); top: 202.5pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.72pt;"></span></span><span style="left: 59.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4514" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9523">4,525</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 202.5pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.47pt;"></span></span><span style="left: 48.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4514" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9524">5,015</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 70.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 848.25pt; position: var(--position); top: 202.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4514" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9525">7,004</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 924.75pt; position: var(--position); top: 202.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.41pt;"></span></span><span style="left: 46.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4514" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9526">34,734</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 216.75pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.77pt;"></span></span><span style="left: 50.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4515" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9527">186,123</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 431.25pt; position: var(--position); top: 216.75pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.29pt;"></span></span><span style="left: 46.92pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4515" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9528">127,768</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 518.25pt; position: var(--position); top: 216.75pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.01pt;"></span></span><span style="left: 55.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4515" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9529">58,355</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 605.25pt; position: var(--position); top: 216.75pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.76pt;"></span></span><span style="left: 53.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4515" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9530">18,292</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 690pt; position: var(--position); top: 216.75pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.76pt;"></span></span><span style="left: 53.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4515" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9531">34,337</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 216.75pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.75pt;"></span></span><span style="left: 47.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4515" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9532">5,726</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 70.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 848.25pt; position: var(--position); top: 216.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.51pt;"></span></span><span style="left: 45.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4515" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9533">29,264</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 924.75pt; position: var(--position); top: 216.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.51pt;"></span></span><span style="left: 45.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4515" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9534">87,619</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 231pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to customers <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 145.04999999999998pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">3<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 195pt; position: var(--position); top: 231pt; width: 149.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 149.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Reverse repurchase, securities <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 149.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">borrowing and similar agreements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 344.25pt; position: var(--position); top: 231pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.19pt;"></span></span><span style="left: 68.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4516" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9535">155</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 431.25pt; position: var(--position); top: 231pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 81.37pt;"></span></span><span style="left: 84pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4516" xsi:nil="true" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9536"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 518.25pt; position: var(--position); top: 231pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.19pt;"></span></span><span style="left: 68.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4516" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="f-9537">155</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 605.25pt; position: var(--position); top: 231pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.12pt;"></span></span><span style="left: 81.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4516" xsi:nil="true" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" id="f-9538"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 690pt; position: var(--position); top: 231pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.94pt;"></span></span><span style="left: 66.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4516" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="f-9539">155</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 774.75pt; position: var(--position); top: 231pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.87pt;"></span></span><span style="left: 70.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 70.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4516" xsi:nil="true" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9540"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 848.25pt; position: var(--position); top: 231pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4516" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9541">1,151</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 924.75pt; position: var(--position); top: 231pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4516" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9542">1,306</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 195pt; position: var(--position); top: 255pt; width: 149.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 149.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash pools<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 255pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.85pt;"></span></span><span style="left: 51.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4517" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9543">224,261</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 431.25pt; position: var(--position); top: 255pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.5pt;"></span></span><span style="left: 48.13pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4517" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9544">222,857</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 518.25pt; position: var(--position); top: 255pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.97pt;"></span></span><span style="left: 61.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4517" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9545">1,404</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 605.25pt; position: var(--position); top: 255pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69pt;"></span></span><span style="left: 71.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4517" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="f-9546">74</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 690pt; position: var(--position); top: 255pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.94pt;"></span></span><span style="left: 66.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4517" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="f-9547">889</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 81.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 255pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.69pt;"></span></span><span style="left: 55.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4517" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9548">441</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 70.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 848.25pt; position: var(--position); top: 255pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4517" xsi:nil="true" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" id="f-9549"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 924.75pt; position: var(--position); top: 255pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4517" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9550">1,404</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 269.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.77pt;"></span></span><span style="left: 50.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4518" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9551">224,416</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 431.25pt; position: var(--position); top: 269.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.29pt;"></span></span><span style="left: 46.92pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4518" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9552">222,857</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 518.25pt; position: var(--position); top: 269.25pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.25pt;"></span></span><span style="left: 60.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4518" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9553">1,559</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 605.25pt; position: var(--position); top: 269.25pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.64pt;"></span></span><span style="left: 71.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4518" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="f-9554">74</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 690pt; position: var(--position); top: 269.25pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56pt;"></span></span><span style="left: 58.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4518" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9555">1,044</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 269.25pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.15pt;"></span></span><span style="left: 54.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4518" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9556">441</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 70.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 848.25pt; position: var(--position); top: 269.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.75pt;"></span></span><span style="left: 50.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4518" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9557">1,151</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 924.75pt; position: var(--position); top: 269.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.75pt;"></span></span><span style="left: 50.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4518" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9558">2,710</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 283.5pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other items where offsetting is applied in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">statement of financial position <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 132.89pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">4<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 344.25pt; position: var(--position); top: 283.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.25pt;"></span></span><span style="left: 60.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4519" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9559">6,750</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 431.25pt; position: var(--position); top: 283.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.77pt;"></span></span><span style="left: 57.400000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4519" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9560">5,899</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 518.25pt; position: var(--position); top: 283.5pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.65pt;"></span></span><span style="left: 68.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4519" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="f-9561">851</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 605.25pt; position: var(--position); top: 283.5pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 68.64pt;"></span></span><span style="left: 71.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4519" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" scale="6" id="f-9562">74</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 690pt; position: var(--position); top: 283.5pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.12pt;"></span></span><span style="left: 81.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.83999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4519" xsi:nil="true" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" id="f-9563"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 774.75pt; position: var(--position); top: 283.5pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.15pt;"></span></span><span style="left: 54.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4519" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9564">777</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 70.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 848.25pt; position: var(--position); top: 283.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4519" xsi:nil="true" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" id="f-9565"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 924.75pt; position: var(--position); top: 283.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.15pt;"></span></span><span style="left: 57.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4519" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" scale="6" id="f-9566">851</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 13.5pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 321pt; width: 195pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 195pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total financial assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 344.25pt; position: var(--position); top: 321pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.77pt;"></span></span><span style="left: 50.400000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9567">419,865</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 431.25pt; position: var(--position); top: 321pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.29pt;"></span></span><span style="left: 46.92pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9568">356,524</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 518.25pt; position: var(--position); top: 321pt; width: 87pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 87pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.01pt;"></span></span><span style="left: 55.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9569">63,341</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 84.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 605.25pt; position: var(--position); top: 321pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.76pt;"></span></span><span style="left: 53.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9570">18,440</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 690pt; position: var(--position); top: 321pt; width: 84.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 84.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.76pt;"></span></span><span style="left: 53.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-9571">37,930</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 81.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 774.75pt; position: var(--position); top: 321pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.75pt;"></span></span><span style="left: 47.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9572">6,971</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 70.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 848.25pt; position: var(--position); top: 321pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.51pt;"></span></span><span style="left: 45.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9573">47,234</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 924.75pt; position: var(--position); top: 321pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.27pt;"></span></span><span style="left: 39.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:FinancialAssetsStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9574">110,576</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><ix:continuation id="f-9394-3"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 405.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;The statement of financial position total&#8217; is the sum of &#8216;Net amounts of financial assets presented in the statement of financial position&#8217; and &#8217;Amounts not subject to enforceable master netting arrangements&#8217;.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 414.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">At <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 57.14pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 124.93pt; position: var(--position); text-decoration: none; white-space: pre;">, the total amount of &#8216;Loans and advances to banks&#8217; excluding repurchase agreements is EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 459.65pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4520" decimals="-6" name="ing:LoansAndAdvancesToBanksExcludingRepurchaseAgreementsNotSubjectToOffsetting" format="ixt:num-dot-decimal" scale="6" id="f-9575">15,709</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 484.07pt; position: var(--position); text-decoration: none; white-space: pre;"> million which is not subject to offsetting.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 424.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">At <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 57.14pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 124.93pt; position: var(--position); text-decoration: none; white-space: pre;">, the total amount of &#8216;Loans and advances to customers&#8217; excluding repurchase agreements is EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 476.22pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4517" decimals="-6" name="ifrs-full:LoansAndAdvancesToCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9576">643,587</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 505.14pt; position: var(--position); text-decoration: none; white-space: pre;"> million of which the net cash pool position of EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 684.74pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4517" decimals="-6" name="ing:LoansAndAdvancesToCustomersExcludingRepurchaseAgreementSubjectToOffsetting" format="ixt:num-dot-decimal" scale="6" id="f-9577">1,404</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 704.6600000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> million is subject to offsetting. Cash pools mainly relate to our subsidiary Bank Mendes Gans.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 433.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">4<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Other items mainly include amounts to be settled with Central Clearing Counterparties regarding securities and derivatives transactions and is included in &#8216;Other Assets &#8211; Amounts to be settled&#8217; for EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 764.27pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4519" decimals="-6" name="ifrs-full:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-9578">5,191</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 784.19pt; position: var(--position); text-decoration: none; white-space: pre;"> million in the statement of financial position of which EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 994.1800000000001pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4519" decimals="-6" name="ing:OtherAssetsExcludingRepurchaseAgreementSubjectToOffsetting" scale="6" id="f-9579">851</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 1007.6800000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> million <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 443.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">is subject to offsetting as at <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 147.57999999999998pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 215.37pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -327<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-9393-4" continuedAt="f-9393-5"><div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfReconciliationOfFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsToIndividualLineItemsInStatementOfFinancialPositionExplanatory" id="f-9580" continuedAt="f-9580-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 998.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 222.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 136.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 86.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 86.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 86.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 82.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 82.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 72pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 72pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 71.25pt;"/></tr><tr style="height: 15.75pt;"><td colspan="10" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 15.75pt; left: 0pt; position: var(--position); top: 0pt; width: 998.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 4.25pt; width: 998.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities subject to offsetting, enforceable master netting arrangements and similar agreements<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 81pt; left: 0pt; position: var(--position); top: 15.75pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 59.7pt; width: 222.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 70.5pt; width: 222.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 618pt; position: var(--position); top: 15.75pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27pt; position: var(--position); text-decoration: none; white-space: pre;">Related amounts not offset in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.42pt; position: var(--position); text-decoration: none; white-space: pre;">statement of financial position<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 81pt; left: 855pt; position: var(--position); top: 15.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 27.3pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.52pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts not <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 38.1pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 29.8pt; position: var(--position); text-decoration: none; white-space: pre;">subject to <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 48.9pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.7pt; position: var(--position); text-decoration: none; white-space: pre;">enforceable <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 59.7pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 40.29pt; position: var(--position); text-decoration: none; white-space: pre;">netting <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 70.5pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.82pt; position: var(--position); text-decoration: none; white-space: pre;">arrangements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 81pt; left: 927pt; position: var(--position); top: 15.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 48.9pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.58pt; position: var(--position); text-decoration: none; white-space: pre;">Statement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 59.7pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.56pt; position: var(--position); text-decoration: none; white-space: pre;">financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 70.5pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.71pt; position: var(--position); text-decoration: none; white-space: pre;">position total &#185;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 57pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 359.25pt; position: var(--position); top: 39.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.67pt; position: var(--position); text-decoration: none; white-space: pre;">Gross amounts of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.3pt; position: var(--position); text-decoration: none; white-space: pre;">recognised financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 48.96pt; position: var(--position); text-decoration: none; white-space: pre;">liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 445.5pt; position: var(--position); top: 39.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.3pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.67pt; position: var(--position); text-decoration: none; white-space: pre;">Gross amounts of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.1pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.3pt; position: var(--position); text-decoration: none; white-space: pre;">recognised financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 7.75pt; position: var(--position); text-decoration: none; white-space: pre;">assets offset in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.11pt; position: var(--position); text-decoration: none; white-space: pre;">statement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.43pt; position: var(--position); text-decoration: none; white-space: pre;">financial position<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 531.75pt; position: var(--position); top: 39.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.3pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.52pt; position: var(--position); text-decoration: none; white-space: pre;">Net amounts of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.1pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 12.65pt; position: var(--position); text-decoration: none; white-space: pre;">financial liabilities <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.77pt; position: var(--position); text-decoration: none; white-space: pre;">presented in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.11pt; position: var(--position); text-decoration: none; white-space: pre;">statement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.43pt; position: var(--position); text-decoration: none; white-space: pre;">financial position<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 618pt; position: var(--position); top: 39.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.45pt; position: var(--position); text-decoration: none; white-space: pre;">Financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.1pt; position: var(--position); text-decoration: none; white-space: pre;">instruments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 700.5pt; position: var(--position); top: 39.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.1pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.37pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.9pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.1pt; position: var(--position); text-decoration: none; white-space: pre;">instruments <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 35.7pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.17pt; position: var(--position); text-decoration: none; white-space: pre;">pledged as <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 42.62pt; position: var(--position); text-decoration: none; white-space: pre;">collateral<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 57pt; left: 783pt; position: var(--position); top: 39.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 46.5pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.54pt; position: var(--position); text-decoration: none; white-space: pre;">Net amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 96.75pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Statement of financial position line item<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 222.75pt; position: var(--position); top: 96.75pt; width: 136.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial instrument<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 111pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deposits from banks <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 89.33999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 222.75pt; position: var(--position); top: 111pt; width: 136.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Repurchase, securities lending <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">and similar agreements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 359.25pt; position: var(--position); top: 111pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.5pt;"></span></span><span style="left: 73.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4521" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9581">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 445.5pt; position: var(--position); top: 111pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.15pt;"></span></span><span style="left: 69.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4521" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9582">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 531.75pt; position: var(--position); top: 111pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.62pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4521" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" id="f-9583"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 618pt; position: var(--position); top: 111pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4521" xsi:nil="true" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9584"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 700.5pt; position: var(--position); top: 111pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4521" xsi:nil="true" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9585"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 783pt; position: var(--position); top: 111pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.37pt;"></span></span><span style="left: 69pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4521" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9586"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 855pt; position: var(--position); top: 111pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4521" decimals="-6" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9587">2,064</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 927pt; position: var(--position); top: 111pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.22pt;"></span></span><span style="left: 45.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4521" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9588">2,064</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 222.75pt; position: var(--position); top: 135pt; width: 136.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 359.25pt; position: var(--position); top: 135pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.44pt;"></span></span><span style="left: 68.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4522" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9589">290</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 445.5pt; position: var(--position); top: 135pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.09pt;"></span></span><span style="left: 64.72pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4522" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9590">290</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 531.75pt; position: var(--position); top: 135pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.62pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4522" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" id="f-9591"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 618pt; position: var(--position); top: 135pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4522" xsi:nil="true" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9592"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 700.5pt; position: var(--position); top: 135pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4522" xsi:nil="true" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9593"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 783pt; position: var(--position); top: 135pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.37pt;"></span></span><span style="left: 69pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4522" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9594"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 855pt; position: var(--position); top: 135pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.37pt;"></span></span><span style="left: 69pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4522" xsi:nil="true" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" id="f-9595"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 927pt; position: var(--position); top: 135pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.62pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4522" xsi:nil="true" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" id="f-9596"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 359.25pt; position: var(--position); top: 149.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.9pt;"></span></span><span style="left: 67.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4523" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9597">319</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 445.5pt; position: var(--position); top: 149.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.42pt;"></span></span><span style="left: 64.05pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4523" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9598">319</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 531.75pt; position: var(--position); top: 149.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.62pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4523" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" id="f-9599"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 618pt; position: var(--position); top: 149.25pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4523" xsi:nil="true" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9600"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 700.5pt; position: var(--position); top: 149.25pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4523" xsi:nil="true" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9601"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 783pt; position: var(--position); top: 149.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.37pt;"></span></span><span style="left: 69pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.08999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4523" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9602"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 855pt; position: var(--position); top: 149.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.25pt;"></span></span><span style="left: 45.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4523" decimals="-6" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9603">2,064</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 927pt; position: var(--position); top: 149.25pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.5pt;"></span></span><span style="left: 45.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4523" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9604">2,064</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 68.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 163.5pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 81.97pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">4<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 222.75pt; position: var(--position); top: 163.5pt; width: 136.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Repurchase, securities lending <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">and similar agreements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 359.25pt; position: var(--position); top: 163.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.62pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4524" xsi:nil="true" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9605"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 445.5pt; position: var(--position); top: 163.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.62pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4524" xsi:nil="true" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9606"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 531.75pt; position: var(--position); top: 163.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 80.62pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4524" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" id="f-9607"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 618pt; position: var(--position); top: 163.5pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4524" xsi:nil="true" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9608"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 700.5pt; position: var(--position); top: 163.5pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4524" xsi:nil="true" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9609"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 783pt; position: var(--position); top: 163.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.37pt;"></span></span><span style="left: 69pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4524" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9610"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 855pt; position: var(--position); top: 163.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.37pt;"></span></span><span style="left: 69pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4524" xsi:nil="true" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" id="f-9611"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4524" xsi:nil="true" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" id="f-9612"></ix:nonFraction></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 222.75pt; position: var(--position); top: 187.5pt; width: 136.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash pools<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 359.25pt; position: var(--position); top: 187.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.1pt;"></span></span><span style="left: 50.730000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4525" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9613">249,734</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 445.5pt; position: var(--position); top: 187.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.75pt;"></span></span><span style="left: 47.38pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4525" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9614">234,617</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 531.75pt; position: var(--position); top: 187.5pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.16pt;"></span></span><span style="left: 55.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4525" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9615">15,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 618pt; position: var(--position); top: 187.5pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.75pt;"></span></span><span style="left: 69.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4525" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" scale="6" id="f-9616">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 700.5pt; position: var(--position); top: 187.5pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4525" xsi:nil="true" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9617"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 783pt; position: var(--position); top: 187.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.91pt;"></span></span><span style="left: 41.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4525" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9618">15,103</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 855pt; position: var(--position); top: 187.5pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.37pt;"></span></span><span style="left: 69pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4525" xsi:nil="true" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" id="f-9619"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 927pt; position: var(--position); top: 187.5pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.16pt;"></span></span><span style="left: 40.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4525" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9620">15,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 359.25pt; position: var(--position); top: 201.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.02pt;"></span></span><span style="left: 49.650000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4526" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9621">249,734</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 445.5pt; position: var(--position); top: 201.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.54pt;"></span></span><span style="left: 46.17pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4526" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9622">234,617</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 531.75pt; position: var(--position); top: 201.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.26pt;"></span></span><span style="left: 54.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4526" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9623">15,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 618pt; position: var(--position); top: 201.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.39pt;"></span></span><span style="left: 69.02pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4526" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" scale="6" id="f-9624">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 700.5pt; position: var(--position); top: 201.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4526" xsi:nil="true" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9625"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 783pt; position: var(--position); top: 201.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.01pt;"></span></span><span style="left: 40.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4526" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9626">15,103</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 855pt; position: var(--position); top: 201.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.37pt;"></span></span><span style="left: 69pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.08999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4526" xsi:nil="true" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" id="f-9627"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 927pt; position: var(--position); top: 201.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.26pt;"></span></span><span style="left: 39.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4526" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9628">15,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 68.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 216pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities at fair value through profit or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 240pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Trading and Non-trading<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 222.75pt; position: var(--position); top: 240pt; width: 136.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Repurchase, securities lending <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">and similar agreements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 359.25pt; position: var(--position); top: 240pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.16pt;"></span></span><span style="left: 55.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4527" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9629">76,581</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 445.5pt; position: var(--position); top: 240pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.81pt;"></span></span><span style="left: 52.440000000000005pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4527" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9630">34,738</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 531.75pt; position: var(--position); top: 240pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.16pt;"></span></span><span style="left: 55.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4527" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9631">41,844</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 618pt; position: var(--position); top: 240pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.69pt;"></span></span><span style="left: 64.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4527" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" scale="6" id="f-9632">235</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 700.5pt; position: var(--position); top: 240pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.41pt;"></span></span><span style="left: 52.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4527" decimals="-6" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9633">41,653</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 783pt; position: var(--position); top: 240pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.9pt;"></span></span><span style="left: 55.53pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4527" decimals="-6" sign="-" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9634">44</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 855pt; position: var(--position); top: 240pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.91pt;"></span></span><span style="left: 41.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4527" decimals="-6" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9635">14,222</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 927pt; position: var(--position); top: 240pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.16pt;"></span></span><span style="left: 40.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4527" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9636">56,065</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 222.75pt; position: var(--position); top: 264pt; width: 136.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 48.89pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">3<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 359.25pt; position: var(--position); top: 264pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.1pt;"></span></span><span style="left: 50.730000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4528" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9637">101,218</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 445.5pt; position: var(--position); top: 264pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.81pt;"></span></span><span style="left: 52.440000000000005pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4528" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9638">82,677</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 531.75pt; position: var(--position); top: 264pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.16pt;"></span></span><span style="left: 55.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4528" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9639">18,541</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 83.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 618pt; position: var(--position); top: 264pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.41pt;"></span></span><span style="left: 52.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4528" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9640">14,881</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 700.5pt; position: var(--position); top: 264pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.47pt;"></span></span><span style="left: 57.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4528" decimals="-6" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9641">3,455</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 783pt; position: var(--position); top: 264pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.19pt;"></span></span><span style="left: 53.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4528" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9642">204</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 855pt; position: var(--position); top: 264pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.97pt;"></span></span><span style="left: 46.6pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4528" decimals="-6" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9643">6,607</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 927pt; position: var(--position); top: 264pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.16pt;"></span></span><span style="left: 40.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4528" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9644">25,148</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 68.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 359.25pt; position: var(--position); top: 278.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.02pt;"></span></span><span style="left: 49.650000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4529" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9645">177,799</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 445.5pt; position: var(--position); top: 278.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.54pt;"></span></span><span style="left: 46.17pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4529" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9646">117,415</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 531.75pt; position: var(--position); top: 278.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.26pt;"></span></span><span style="left: 54.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4529" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9647">60,384</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 618pt; position: var(--position); top: 278.25pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.51pt;"></span></span><span style="left: 51.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4529" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9648">15,117</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 700.5pt; position: var(--position); top: 278.25pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.51pt;"></span></span><span style="left: 51.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4529" decimals="-6" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9649">45,108</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 783pt; position: var(--position); top: 278.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.65pt;"></span></span><span style="left: 53.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4529" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9650">160</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 855pt; position: var(--position); top: 278.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.01pt;"></span></span><span style="left: 40.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4529" decimals="-6" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9651">20,829</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 927pt; position: var(--position); top: 278.25pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.26pt;"></span></span><span style="left: 39.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4529" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9652">81,213</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 68.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 308.25pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other items where offsetting is applied in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">statement of financial position <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 132.89pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">5<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 359.25pt; position: var(--position); top: 308.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.5pt;"></span></span><span style="left: 60.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4530" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9653">7,285</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 445.5pt; position: var(--position); top: 308.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.02pt;"></span></span><span style="left: 56.650000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4530" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9654">6,773</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 531.75pt; position: var(--position); top: 308.25pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.9pt;"></span></span><span style="left: 67.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4530" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="f-9655">512</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 618pt; position: var(--position); top: 308.25pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.39pt;"></span></span><span style="left: 69.02pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4530" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" scale="6" id="f-9656">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 700.5pt; position: var(--position); top: 308.25pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4530" xsi:nil="true" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9657"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 783pt; position: var(--position); top: 308.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.65pt;"></span></span><span style="left: 53.28pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4530" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9658">477</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 855pt; position: var(--position); top: 308.25pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.37pt;"></span></span><span style="left: 69pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.08999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4530" xsi:nil="true" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" id="f-9659"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 927pt; position: var(--position); top: 308.25pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.9pt;"></span></span><span style="left: 52.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4530" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" scale="6" id="f-9660">512</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 68.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 13.5pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 345.75pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total financial liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 359.25pt; position: var(--position); top: 345.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.02pt;"></span></span><span style="left: 49.650000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9661">435,137</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 445.5pt; position: var(--position); top: 345.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.54pt;"></span></span><span style="left: 46.17pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9662">359,124</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 531.75pt; position: var(--position); top: 345.75pt; width: 86.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 86.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.26pt;"></span></span><span style="left: 54.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9663">76,013</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 83.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 618pt; position: var(--position); top: 345.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.51pt;"></span></span><span style="left: 51.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9664">15,165</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 700.5pt; position: var(--position); top: 345.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.51pt;"></span></span><span style="left: 51.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9665">45,108</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 783pt; position: var(--position); top: 345.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.01pt;"></span></span><span style="left: 40.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9666">15,740</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 855pt; position: var(--position); top: 345.75pt; width: 72pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.01pt;"></span></span><span style="left: 40.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9667">22,892</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.08999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 927pt; position: var(--position); top: 345.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.26pt;"></span></span><span style="left: 39.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9668">98,905</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 68.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-9580-1" continuedAt="f-9580-2"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 429.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;The statement of financial position total&#8217; is the sum of &#8216;Net amounts of financial liabilities presented in the statement of financial position&#8217; and &#8217;Amounts not subject to enforceable master netting arrangements&#8217;.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 439.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">At <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 57.14pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 124.93pt; position: var(--position); text-decoration: none; white-space: pre;">, the total amount of &#8216;Deposits from banks&#8217; excluding repurchase agreements is EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 426.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4531" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-9669">21,193</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 451.36pt; position: var(--position); text-decoration: none; white-space: pre;"> million of which EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 527.65pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4531" decimals="-6" name="ing:DepositsFromBanksExcludingRepurchaseAgreementsSubjectToOffsetting1" scale="6" id="f-9670">0</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 532.15pt; position: var(--position); text-decoration: none; white-space: pre;"> million is subject to offsetting.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 449.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Derivative assets and derivative liabilities include certain exchange traded future and option positions with the same underlying.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 458.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">4<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">At <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 57.14pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 124.93pt; position: var(--position); text-decoration: none; white-space: pre;">, the total amount of &#8216;Customers deposits&#8217; excluding repurchase agreements is EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 424.26pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4525" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9671">650,179</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 453.18pt; position: var(--position); text-decoration: none; white-space: pre;"> million of which the net cash pool position of EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 632.78pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4525" decimals="-6" name="ing:DepositsFromCustomersExcludingRepurchaseAgreementsSubjectToOffsetting" format="ixt:num-dot-decimal" scale="6" id="f-9672">15,116</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 657.2pt; position: var(--position); text-decoration: none; white-space: pre;"> million is subject to offsetting. Cash pools mainly relate to our subsidiary Bank Mendes Gans.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 468.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">5<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Other items mainly include amounts to be settled with Central Clearing Counterparties regarding securities and derivatives transactions and is included in &#8216;Other Liabilities &#8211; Amounts to be settled&#8217; for EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 774.04pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4530" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9673">6,509</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 793.96pt; position: var(--position); text-decoration: none; white-space: pre;"> million in the statement of financial position of which EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 1003.95pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4530" decimals="-6" name="ing:OtherLiabilitiesSubjectToOffsetting" scale="6" id="f-9674">512</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 1017.45pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 477.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">million is subject to offsetting as at <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 173.49pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 241.28pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -328<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-9393-5" continuedAt="f-9393-6"><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:continuation id="f-9580-2" continuedAt="f-9580-3"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 994.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 222.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 136.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 85.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 85.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 85.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 82.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 82.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 72.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 70.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 70.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="10" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 994.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 994.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities subject to offsetting, enforceable master netting arrangements and similar agreements<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 92.25pt; left: 0pt; position: var(--position); top: 14.25pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 70.95pt; width: 222.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 81.75pt; width: 222.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 615.75pt; position: var(--position); top: 14.25pt; width: 165pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27pt; position: var(--position); text-decoration: none; white-space: pre;">Related amounts not offset in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 165pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.42pt; position: var(--position); text-decoration: none; white-space: pre;">statement of financial position<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 92.25pt; left: 853.5pt; position: var(--position); top: 14.25pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 38.55pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.02pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts not <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 49.35pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 28.3pt; position: var(--position); text-decoration: none; white-space: pre;">subject to <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 60.15pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.2pt; position: var(--position); text-decoration: none; white-space: pre;">enforceable <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 70.95pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.79pt; position: var(--position); text-decoration: none; white-space: pre;">netting <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 81.75pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.32pt; position: var(--position); text-decoration: none; white-space: pre;">arrangements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 92.25pt; left: 924pt; position: var(--position); top: 14.25pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 60.15pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.83pt; position: var(--position); text-decoration: none; white-space: pre;">Statement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 70.95pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.81pt; position: var(--position); text-decoration: none; white-space: pre;">financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 81.75pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.96pt; position: var(--position); text-decoration: none; white-space: pre;">position total &#185;<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 68.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 68.25pt; left: 359.25pt; position: var(--position); top: 38.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 36.15pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.92pt; position: var(--position); text-decoration: none; white-space: pre;">Gross amounts of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.95pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.86pt; position: var(--position); text-decoration: none; white-space: pre;">recognised <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 57.75pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.9pt; position: var(--position); text-decoration: none; white-space: pre;">financial liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 68.25pt; left: 444.75pt; position: var(--position); top: 38.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 11.92pt; position: var(--position); text-decoration: none; white-space: pre;">Gross amounts of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 14.55pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.86pt; position: var(--position); text-decoration: none; white-space: pre;">recognised <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 25.35pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.22pt; position: var(--position); text-decoration: none; white-space: pre;">financial assets <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 36.15pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 34.59pt; position: var(--position); text-decoration: none; white-space: pre;">offset in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.95pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.36pt; position: var(--position); text-decoration: none; white-space: pre;">statement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 57.75pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.68pt; position: var(--position); text-decoration: none; white-space: pre;">financial position<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 68.25pt; left: 530.25pt; position: var(--position); top: 38.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 14.55pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.77pt; position: var(--position); text-decoration: none; white-space: pre;">Net amounts of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 25.35pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.65pt; position: var(--position); text-decoration: none; white-space: pre;">financial&#160; liabilities <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 36.15pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 17.02pt; position: var(--position); text-decoration: none; white-space: pre;">presented in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.95pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.36pt; position: var(--position); text-decoration: none; white-space: pre;">statement of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 57.75pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.68pt; position: var(--position); text-decoration: none; white-space: pre;">financial position<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 68.25pt; left: 615.75pt; position: var(--position); top: 38.25pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 46.95pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.45pt; position: var(--position); text-decoration: none; white-space: pre;">Financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 57.75pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.1pt; position: var(--position); text-decoration: none; white-space: pre;">instruments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 68.25pt; left: 698.25pt; position: var(--position); top: 38.25pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 25.35pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 6.37pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and financial <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 36.15pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.1pt; position: var(--position); text-decoration: none; white-space: pre;">instruments <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 46.95pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.17pt; position: var(--position); text-decoration: none; white-space: pre;">pledged as <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 57.75pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 42.62pt; position: var(--position); text-decoration: none; white-space: pre;">collateral<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 68.25pt; left: 780.75pt; position: var(--position); top: 38.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 57.75pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.29pt; position: var(--position); text-decoration: none; white-space: pre;">Net amount<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 106.5pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Statement of financial position line item<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 222.75pt; position: var(--position); top: 106.5pt; width: 136.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial instrument<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 120.75pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Deposits from banks <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 89.33999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 222.75pt; position: var(--position); top: 120.75pt; width: 136.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Repurchase, securities lending <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">and similar agreements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 359.25pt; position: var(--position); top: 120.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4532" xsi:nil="true" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9675"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 444.75pt; position: var(--position); top: 120.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4532" xsi:nil="true" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9676"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 530.25pt; position: var(--position); top: 120.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4532" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" id="f-9677"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 615.75pt; position: var(--position); top: 120.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4532" xsi:nil="true" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9678"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 698.25pt; position: var(--position); top: 120.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4532" xsi:nil="true" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9679"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 780.75pt; position: var(--position); top: 120.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.12pt;"></span></span><span style="left: 69.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4532" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9680"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 853.5pt; position: var(--position); top: 120.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.47pt;"></span></span><span style="left: 45.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4532" decimals="-6" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9681">3,809</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 924pt; position: var(--position); top: 120.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.47pt;"></span></span><span style="left: 45.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4532" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9682">3,809</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 222.75pt; position: var(--position); top: 144.75pt; width: 136.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 359.25pt; position: var(--position); top: 144.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4533" xsi:nil="true" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9683"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 144.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4533" xsi:nil="true" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9684"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 530.25pt; position: var(--position); top: 144.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4533" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" id="f-9685"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 615.75pt; position: var(--position); top: 144.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4533" xsi:nil="true" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9686"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 698.25pt; position: var(--position); top: 144.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4533" xsi:nil="true" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9687"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 144.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.12pt;"></span></span><span style="left: 69.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4533" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9688"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 853.5pt; position: var(--position); top: 144.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.87pt;"></span></span><span style="left: 67.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4533" xsi:nil="true" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" id="f-9689"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 924pt; position: var(--position); top: 144.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.87pt;"></span></span><span style="left: 67.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4533" xsi:nil="true" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" id="f-9690"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 359.25pt; position: var(--position); top: 159pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4534" xsi:nil="true" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9691"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 159pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4534" xsi:nil="true" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9692"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 530.25pt; position: var(--position); top: 159pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4534" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" id="f-9693"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 615.75pt; position: var(--position); top: 159pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4534" xsi:nil="true" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9694"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 698.25pt; position: var(--position); top: 159pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4534" xsi:nil="true" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9695"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 159pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.12pt;"></span></span><span style="left: 69.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.83999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4534" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9696"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 853.5pt; position: var(--position); top: 159pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.75pt;"></span></span><span style="left: 44.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4534" decimals="-6" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9697">3,809</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 67.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 924pt; position: var(--position); top: 159pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.75pt;"></span></span><span style="left: 44.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4534" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9698">3,809</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 67.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 173.25pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Customer deposits <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 81.97pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">3<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 222.75pt; position: var(--position); top: 173.25pt; width: 136.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Repurchase, securities lending <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">and similar agreements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 359.25pt; position: var(--position); top: 173.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4535" xsi:nil="true" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9699"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 444.75pt; position: var(--position); top: 173.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4535" xsi:nil="true" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9700"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 530.25pt; position: var(--position); top: 173.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 79.87pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4535" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" id="f-9701"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 615.75pt; position: var(--position); top: 173.25pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4535" xsi:nil="true" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9702"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 698.25pt; position: var(--position); top: 173.25pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4535" xsi:nil="true" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9703"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 780.75pt; position: var(--position); top: 173.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 67.12pt;"></span></span><span style="left: 69.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4535" xsi:nil="true" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" id="f-9704"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 853.5pt; position: var(--position); top: 173.25pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.87pt;"></span></span><span style="left: 67.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4535" xsi:nil="true" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" id="f-9705"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4535" xsi:nil="true" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" id="f-9706"></ix:nonFraction></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 222.75pt; position: var(--position); top: 197.25pt; width: 136.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash pools<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 359.25pt; position: var(--position); top: 197.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.35pt;"></span></span><span style="left: 49.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4536" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9707">236,219</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 197.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44pt;"></span></span><span style="left: 46.63pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4536" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9708">222,857</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 530.25pt; position: var(--position); top: 197.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.41pt;"></span></span><span style="left: 55.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4536" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9709">13,362</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 615.75pt; position: var(--position); top: 197.25pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.75pt;"></span></span><span style="left: 69.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4536" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" scale="6" id="f-9710">52</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 698.25pt; position: var(--position); top: 197.25pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4536" xsi:nil="true" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9711"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 197.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.66pt;"></span></span><span style="left: 42.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4536" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9712">13,310</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 853.5pt; position: var(--position); top: 197.25pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.87pt;"></span></span><span style="left: 67.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4536" xsi:nil="true" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" id="f-9713"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 924pt; position: var(--position); top: 197.25pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.41pt;"></span></span><span style="left: 40.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4536" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9714">13,362</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 359.25pt; position: var(--position); top: 211.5pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.27pt;"></span></span><span style="left: 48.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4537" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9715">236,219</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 211.5pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.79pt;"></span></span><span style="left: 45.42pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4537" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9716">222,857</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 530.25pt; position: var(--position); top: 211.5pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.51pt;"></span></span><span style="left: 54.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4537" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9717">13,362</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 615.75pt; position: var(--position); top: 211.5pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.39pt;"></span></span><span style="left: 69.02pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4537" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" scale="6" id="f-9718">52</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 698.25pt; position: var(--position); top: 211.5pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4537" xsi:nil="true" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9719"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 211.5pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.76pt;"></span></span><span style="left: 41.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4537" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9720">13,310</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 853.5pt; position: var(--position); top: 211.5pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.87pt;"></span></span><span style="left: 67.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 67.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4537" xsi:nil="true" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" id="f-9721"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 924pt; position: var(--position); top: 211.5pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.51pt;"></span></span><span style="left: 39.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4537" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9722">13,362</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 67.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 225.75pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Financial liabilities at fair value through profit or <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 249.75pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Trading and Non-trading<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 222.75pt; position: var(--position); top: 249.75pt; width: 136.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Repurchase, securities lending <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.43pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">and similar agreements<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 359.25pt; position: var(--position); top: 249.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.41pt;"></span></span><span style="left: 55.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4538" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9723">57,871</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 444.75pt; position: var(--position); top: 249.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.06pt;"></span></span><span style="left: 51.690000000000005pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4538" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9724">21,245</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 530.25pt; position: var(--position); top: 249.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.41pt;"></span></span><span style="left: 55.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4538" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9725">36,626</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 615.75pt; position: var(--position); top: 249.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.69pt;"></span></span><span style="left: 64.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4538" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" scale="6" id="f-9726">102</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 698.25pt; position: var(--position); top: 249.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.41pt;"></span></span><span style="left: 52.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4538" decimals="-6" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9727">31,868</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 780.75pt; position: var(--position); top: 249.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.72pt;"></span></span><span style="left: 47.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4538" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9728">4,655</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 853.5pt; position: var(--position); top: 249.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.41pt;"></span></span><span style="left: 40.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4538" decimals="-6" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9729">12,220</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 924pt; position: var(--position); top: 249.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.41pt;"></span></span><span style="left: 40.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4538" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9730">48,846</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 222.75pt; position: var(--position); top: 273.75pt; width: 136.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 136.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Derivatives<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 359.25pt; position: var(--position); top: 273.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.35pt;"></span></span><span style="left: 49.980000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4539" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9731">127,937</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 273.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44pt;"></span></span><span style="left: 46.63pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4539" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9732">103,988</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 530.25pt; position: var(--position); top: 273.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.41pt;"></span></span><span style="left: 55.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4539" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9733">23,949</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 82.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 615.75pt; position: var(--position); top: 273.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.41pt;"></span></span><span style="left: 52.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4539" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9734">18,215</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 698.25pt; position: var(--position); top: 273.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.47pt;"></span></span><span style="left: 57.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4539" decimals="-6" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9735">4,964</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 79.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 273.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.94pt;"></span></span><span style="left: 54.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4539" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9736">770</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 69.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 853.5pt; position: var(--position); top: 273.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.47pt;"></span></span><span style="left: 45.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4539" decimals="-6" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9737">9,967</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 924pt; position: var(--position); top: 273.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.41pt;"></span></span><span style="left: 40.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4539" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9738">33,917</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 67.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 359.25pt; position: var(--position); top: 288pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.27pt;"></span></span><span style="left: 48.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4540" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9739">185,808</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 288pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.79pt;"></span></span><span style="left: 45.42pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4540" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9740">125,233</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 530.25pt; position: var(--position); top: 288pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.51pt;"></span></span><span style="left: 54.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4540" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9741">60,575</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 615.75pt; position: var(--position); top: 288pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.51pt;"></span></span><span style="left: 51.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4540" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9742">18,317</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 698.25pt; position: var(--position); top: 288pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.51pt;"></span></span><span style="left: 51.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4540" decimals="-6" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9743">36,833</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 288pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44pt;"></span></span><span style="left: 46.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4540" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9744">5,425</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 853.5pt; position: var(--position); top: 288pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.51pt;"></span></span><span style="left: 39.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4540" decimals="-6" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9745">22,187</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 67.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 924pt; position: var(--position); top: 288pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.51pt;"></span></span><span style="left: 39.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4540" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9746">82,762</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 67.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 13.5pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 315.75pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other items where offsetting is applied in the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">statement of financial position <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 132.89pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">4<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 359.25pt; position: var(--position); top: 315.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.75pt;"></span></span><span style="left: 59.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4541" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9747">8,535</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 444.75pt; position: var(--position); top: 315.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.27pt;"></span></span><span style="left: 55.900000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4541" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9748">8,435</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 530.25pt; position: var(--position); top: 315.75pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.15pt;"></span></span><span style="left: 66.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4541" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" scale="6" id="f-9749">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 615.75pt; position: var(--position); top: 315.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.39pt;"></span></span><span style="left: 69.02pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4541" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" scale="6" id="f-9750">70</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 698.25pt; position: var(--position); top: 315.75pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 76.87pt;"></span></span><span style="left: 79.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4541" xsi:nil="true" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" id="f-9751"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 780.75pt; position: var(--position); top: 315.75pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.64pt;"></span></span><span style="left: 59.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4541" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" scale="6" id="f-9752">30</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 853.5pt; position: var(--position); top: 315.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.87pt;"></span></span><span style="left: 67.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 67.58999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4541" xsi:nil="true" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" id="f-9753"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 924pt; position: var(--position); top: 315.75pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.15pt;"></span></span><span style="left: 51.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4541" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" scale="6" id="f-9754">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 67.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 13.5pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 353.25pt; width: 222.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 222.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total financial liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 359.25pt; position: var(--position); top: 353.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 46.27pt;"></span></span><span style="left: 48.900000000000006pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9755">430,561</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 444.75pt; position: var(--position); top: 353.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.79pt;"></span></span><span style="left: 45.42pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9756">356,524</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 530.25pt; position: var(--position); top: 353.25pt; width: 85.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 85.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.51pt;"></span></span><span style="left: 54.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9757">74,037</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 82.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 615.75pt; position: var(--position); top: 353.25pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.51pt;"></span></span><span style="left: 51.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9758">18,440</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 698.25pt; position: var(--position); top: 353.25pt; width: 82.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 82.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.51pt;"></span></span><span style="left: 51.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9759">36,833</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 79.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 780.75pt; position: var(--position); top: 353.25pt; width: 72.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 72.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.76pt;"></span></span><span style="left: 41.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements" format="ixt:num-dot-decimal" scale="6" id="f-9760">18,765</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 69.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 853.5pt; position: var(--position); top: 353.25pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 36.51pt;"></span></span><span style="left: 39.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:FinancialLiabilitiesAmountsNotSubjectToEnforceableNettingArrangements" format="ixt:num-dot-decimal" scale="6" id="f-9761">25,996</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 67.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 924pt; position: var(--position); top: 353.25pt; width: 70.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 70.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 31.27pt;"></span></span><span style="left: 33.9pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:FinancialLiabilitiesStatementOfFinancialPosition" format="ixt:num-dot-decimal" scale="6" id="f-9762">100,033</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 67.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:continuation></div><ix:continuation id="f-9580-3" continuedAt="f-9580-4"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 437.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">&#8216;The statement of financial position total&#8217; is the sum of &#8216;Net amounts of financial liabilities presented in the statement of financial position&#8217; and &#8217;Amounts not subject to enforceable master netting arrangements&#8217;.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 447.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">At <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 57.14pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 124.93pt; position: var(--position); text-decoration: none; white-space: pre;">, the total amount of &#8216;Deposits from banks&#8217; excluding repurchase agreements is EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 426.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4542" decimals="-6" name="ifrs-full:DepositsFromBanks" format="ixt:num-dot-decimal" scale="6" id="f-9763">52,823</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 451.36pt; position: var(--position); text-decoration: none; white-space: pre;"> million of which EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 527.65pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4542" decimals="-6" name="ing:DepositsFromBanksExcludingRepurchaseAgreementsSubjectToOffsetting1" scale="6" id="f-9764">0</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 532.15pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 534.15pt; position: var(--position); text-decoration: none; white-space: pre;">million is subject to offsetting.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 456.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">At <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 57.14pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 124.93pt; position: var(--position); text-decoration: none; white-space: pre;">, the total amount of &#8216;Customers deposits&#8217; excluding repurchase agreements is EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 424.26pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4536" decimals="-6" name="ifrs-full:DepositsFromCustomers" format="ixt:num-dot-decimal" scale="6" id="f-9765">640,740</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 453.18pt; position: var(--position); text-decoration: none; white-space: pre;"> million of which the net cash pool position of EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 632.78pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4536" decimals="-6" name="ing:DepositsFromCustomersExcludingRepurchaseAgreementsSubjectToOffsetting" format="ixt:num-dot-decimal" scale="6" id="f-9766">13,362</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 657.2pt; position: var(--position); text-decoration: none; white-space: pre;"> million is subject to offsetting. Cash pools mainly relate to our subsidiary Bank Mendes Gans.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 466.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">4<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Other items mainly include amounts to be settled with Central Clearing Counterparties regarding securities and derivatives transactions and is included in &#8216;Other Liabilities &#8211; Amounts to be settled&#8217; for EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 774.04pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4541" decimals="-6" name="ifrs-full:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9767">6,715</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 793.96pt; position: var(--position); text-decoration: none; white-space: pre;"> million in the statement of financial position of which EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 1003.95pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4541" decimals="-6" name="ing:OtherLiabilitiesSubjectToOffsetting" scale="6" id="f-9768">100</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 1017.45pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></ix:continuation><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 475.81pt; width: 1080pt;"><ix:continuation id="f-9580-4" continuedAt="f-9580-5"><ix:continuation id="f-9393-6" continuedAt="f-9393-7"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">million is subject to offsetting as at <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 173.49pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 6pt;"></span></span></ix:continuation></ix:continuation><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 241.28pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:continuation id="f-9580-5"><ix:continuation id="f-9393-7">.</ix:continuation></ix:continuation> <span style="display: inline-block; height: 6pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -329<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_316"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfContingentLiabilitiesExplanatory" id="f-9769" continuedAt="f-9769-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">41&#160;  Contingent liabilities and commitments<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-9769-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 81.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In the normal course of business, ING Group is party to activities where risks are not reflected in whole or in <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 98.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">part in the consolidated financial statements. In response to the needs of its customers, the Group offers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 110.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial products related to loans. These products include traditional off-balance sheet credit-related <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 122.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">financial instruments.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 149.51pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory" id="f-9770" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 486.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 380.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 53.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; border-bottom: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 486.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 486.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Contingent liabilities and commitments<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1pt solid #c4c4c4; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 380.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 380.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 380.25pt; position: var(--position); top: 14.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 29.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 433.5pt; position: var(--position); top: 14.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 29.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 380.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 380.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Contingent liabilities in respect of<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 41.25pt; width: 380.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 380.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Guarantees<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 380.25pt; position: var(--position); top: 41.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.16pt;"></span></span><span style="left: 22.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4432" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9771">27,894</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 433.5pt; position: var(--position); top: 41.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.16pt;"></span></span><span style="left: 22.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4450" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9772">28,859</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 54pt; width: 380.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 380.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Irrevocable letters of credit<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 380.25pt; position: var(--position); top: 54pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.16pt;"></span></span><span style="left: 22.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4440" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9773">14,925</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 433.5pt; position: var(--position); top: 54pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.16pt;"></span></span><span style="left: 22.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4458" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9774">15,682</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 68.25pt; width: 380.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 380.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 380.25pt; position: var(--position); top: 68.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.62pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4543" xsi:nil="true" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" id="f-9775"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 433.5pt; position: var(--position); top: 68.25pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.56pt;"></span></span><span style="left: 45.190000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4466" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" scale="6" id="f-9776">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 380.25pt; position: var(--position); top: 81pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.26pt;"></span></span><span style="left: 21.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9777">42,821</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 433.5pt; position: var(--position); top: 81pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.26pt;"></span></span><span style="left: 21.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9778">44,544</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 106.5pt; width: 380.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 380.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Guarantees issued by ING Groep N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 380.25pt; position: var(--position); top: 106.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:GuaranteesIssued" scale="6" id="f-9779">197</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 433.5pt; position: var(--position); top: 106.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.44pt;"></span></span><span style="left: 35.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:GuaranteesIssued" scale="6" id="f-9780">336</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 133.5pt; width: 380.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 380.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Irrevocable facilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 380.25pt; position: var(--position); top: 133.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.1pt;"></span></span><span style="left: 17.73pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:IrrevocableFacilities" format="ixt:num-dot-decimal" scale="6" id="f-9781">166,810</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 433.5pt; position: var(--position); top: 133.5pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.1pt;"></span></span><span style="left: 17.73pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:IrrevocableFacilities" format="ixt:num-dot-decimal" scale="6" id="f-9782">161,940</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 50.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 380.25pt; position: var(--position); top: 147.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.02pt;"></span></span><span style="left: 16.65pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9783">209,828</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 433.5pt; position: var(--position); top: 147.75pt; width: 53.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 53.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.02pt;"></span></span><span style="left: 16.65pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9784">206,820</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 50.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 330.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Guarantees relate both to credit and non-credit substitute guarantees. Credit substitute guarantees are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 342.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">guarantees given by ING Group in respect of credit granted to customers by a third party. Many of them are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 354.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">expected to expire without being drawn on and therefore do not necessarily represent future cash outflows.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 381.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Irrevocable letters of credit mainly secure payments to third parties for a customer&#8217;s foreign and domestic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 393.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">trade transactions in order to finance a shipment of goods. ING Group&#8217;s credit risk in these transactions is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">limited since these transactions are collateralised by the commodity shipped and are of a short duration.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 432.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Other contingent liabilities include acceptances of bills and are of a short-term nature. Other contingent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 444.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">liabilities also include contingent liabilities resulting from the operations of the Real Estate business including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 456.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">obligations under development and construction contracts.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 483.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Irrevocable facilities mainly constitute unused portions of irrevocable credit facilities granted to corporate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 495.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">clients. Many of these facilities are for a fixed duration and bear interest at a floating rate. ING Group&#8217;s credit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 507.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">risk and interest rate risk in these transactions is limited. The unused portion of irrevocable credit facilities is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 519.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">partly secured by customers&#8217; assets or counter-guarantees by the central governments and other public <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 531.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">sector entities under the regulatory requirements. Irrevocable facilities also include commitments made to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 543.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">purchase securities to be issued by governments and private issuers.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">As at 31 December 2023, ING Groep N.V. guarantees various US dollar debentures (that mature between <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2024 and 2036) which were issued by a subsidiary of Voya Financial Inc. In accordance with the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholder&#8217;s agreement, the net exposure of ING Groep N.V. as at 31 December 2023 was <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 962.74pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4544" decimals="-6" name="ifrs-full:NotesAndDebenturesIssued" format="ixt:fixed-zero" scale="0" id="f-9785">nil</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 973.1800000000001pt; position: var(--position); text-decoration: none; white-space: pre;">, as the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">outstanding principal amount of the US dollar debentures was fully covered with collateral of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 992.74pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4545" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9786">205</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 584.9499999999999pt; position: var(--position); text-decoration: none; white-space: pre;">(2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 635.78pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4546" decimals="-6" name="ing:ContingentLiabilitiesAndCommitments" format="ixt:num-dot-decimal" scale="6" id="f-9787">344</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 685.1pt; position: var(--position); text-decoration: none; white-space: pre;">) pledged by Voya Financial Inc<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In addition to the items included in contingent liabilities, ING Group has issued certain guarantees as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">participant in collective arrangements of national banking funds and as a participant in required collective <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">guarantee schemes which apply in different countries. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank N.V. provided a guarantee to the German Deposit Guarantee Fund (&#8216;Einlagensicherungsfonds&#8217; or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 202.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ESF) under section 5 (10) of the by-laws of this fund, where ING Bank N.V. indemnifies the Association of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">German Banks Berlin against any losses it might incur as result of actions taken with respect to ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Germany. The ESF is a voluntary collective guarantee scheme for retail savings and deposits in excess of EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">100,000<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 591.21pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING uses Irrevocable Payment Commitments (IPCs) for a part of its contributions to the Single Resolution <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Fund (SRF). ING Group has EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 693.01pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4547" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9788">346</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 742.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> of IPCs outstanding to the SRF as at 31 December 2023 (31 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">December 2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 651.1899999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4548" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9789">283</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 700.51pt; position: var(--position); text-decoration: none; white-space: pre;">). Of these, EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 771.26pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4549" decimals="-6" name="ing:AdditionsToContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9790">63</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 814.95pt; position: var(--position); text-decoration: none; white-space: pre;"> of IPCs were provided to the SRF during 2023 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 605.85pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4550" decimals="-6" name="ing:AdditionsToContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9791">57</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 649.54pt; position: var(--position); text-decoration: none; white-space: pre;">). No IPCs were called by the SRF in 2023 (2022: nil). Cash collateral provided to the SRF <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">is equal to the outstanding amount of IPCs.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 340.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING also uses IPCs for a part of its contributions to the Deposit Guarantee Scheme in Germany. Contingent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">liabilities for such outstanding IPCs amount to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 782.0799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4551" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9792">273</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 831.4pt; position: var(--position); text-decoration: none; white-space: pre;"> as at 31 December 2023 (31 December 2022: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 575.24pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4552" decimals="-6" name="ifrs-full:EstimatedFinancialEffectOfContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9793">237</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 624.56pt; position: var(--position); text-decoration: none; white-space: pre;">). Of these, EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 695.31pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4553" decimals="-6" name="ing:AdditionsToContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9794">36</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 739pt; position: var(--position); text-decoration: none; white-space: pre;"> of IPCs were provided to the DGS during 2023 (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 996.39pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4554" decimals="-6" name="ing:AdditionsToContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9795">31</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 584.9499999999999pt; position: var(--position); text-decoration: none; white-space: pre;">). No IPCs were called by the DGS in 2023 (2022: nil). ING posted government bonds as collateral for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 388.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the total nominal amount of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 705.15pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4551" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9796">319</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 754.47pt; position: var(--position); text-decoration: none; white-space: pre;"> as at 31 December 2023 (31 December 2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 981.81pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4555" decimals="-6" name="ifrs-full:FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-9797">259</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1031.13pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Furthermore we refer to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 665.17pt; position: var(--position); text-decoration: none; white-space: pre;">Note 42 'Legal proceedings'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 788.89pt; position: var(--position); text-decoration: none; white-space: pre;"> for any contingent liabilities in respect of legal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">proceedings.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 457.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_319"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 457.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfLegalProceedingsExplanatoryTextBlock" id="f-9798" continuedAt="f-9798-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">42&#160;  Legal proceedings<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-9798-1" continuedAt="f-9798-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 600.51pt; position: var(--position); text-decoration: none; white-space: pre;"> and its consolidated subsidiaries are involved in governmental, regulatory, arbitration and legal <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 491.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">proceedings and investigations in the Netherlands and in a number of foreign jurisdictions, including the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 503.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">U.S., involving claims by and against them which arise in the ordinary course of their businesses, including in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 515.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">connection with their activities as lenders, broker-dealers, underwriters, issuers of securities and investors <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 527.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and their position as employers and taxpayers. In certain of such proceedings, very large or indeterminate <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 539.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">amounts are sought, including punitive and other damages. While it is not feasible to predict or determine <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 551.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the ultimate outcome of all pending or threatened governmental, regulatory, arbitration and legal <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -330<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-9798-2" continuedAt="f-9798-3"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">proceedings and investigations, ING is of the opinion that some of the proceedings and investigations set <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">out below may have or have in the recent past had a significant effect on the financial position, profitability <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">or reputation of the ING and/or the ING and its consolidated subsidiaries.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Settlement agreement<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 145.11pt; position: var(--position); text-decoration: none; white-space: pre;">: On 4 September 2018, ING announced that it had entered into a settlement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">agreement with the Dutch Public Prosecution Service relating to previously disclosed investigations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regarding various requirements for client on-boarding and the prevention of money laundering and corrupt <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">practices. Following the entry into the settlement agreement, ING has experienced heightened scrutiny <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">from authorities in various countries. ING is also aware, including as a result of media reports, that other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">parties may, among other things, seek to commence legal proceedings against ING in connection with the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">subject matter of the settlement. Certain parties filed requests with the Court of Appeal in The Netherlands <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to reconsider the prosecutor&#8217;s decision to enter into the settlement agreement with ING and not to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">prosecute ING or (former) ING employees. In December 2020, the Court of Appeal issued its final ruling. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">this ruling the prosecutors' decision to enter into the settlement agreement with ING was upheld, making <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the settlement final. However, in a separate ruling, the Court ordered the prosecution of ING&#8217;s former CEO.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 103.61pt;">Litigation by investors<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 143.57999999999998pt; position: var(--position); text-decoration: none; white-space: pre; width: 381.25pt;">: In February 2024, ING and certain (former) board members were served with a writ<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.83pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 484.92pt;">of summons for litigation in The Netherlands on behalf of investors who claim to have suffered financial<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.89pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 484.96pt;">losses in connection with ING's disclosures on historic shortcomings in its financial economic crime policies,<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.93pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 484.96pt;">related risk management and control systems, the investigation by and settlement with the Dutch<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.93pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 484.89pt;">authorities in 2018 and related risks for ING. We do not agree with the allegations and will defend ourselves<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.86pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 261.44pt;">against these and the claimed damages of around EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 301.40999999999997pt; position: var(--position); text-decoration: none; white-space: pre; width: 50.71pt;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:DamagesClaimedInLitigationCase" format="ixt:num-dot-decimal" scale="6" id="f-9799">500</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 352.12pt; position: var(--position); text-decoration: none; white-space: pre; width: 172.83pt;">. We follow IFRS rules for taking legal<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.95pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 484.85pt;">provisions and would disclose material amounts in that regard if and when applicable - which currently is<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.82pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 60.39pt;">not the case. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #ff0090; font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; left: 100.36pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.77pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 373.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 161.51pt;">Findings regarding AML processes: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 201.48pt; position: var(--position); text-decoration: none; white-space: pre; width: 323.46pt;">As previously disclosed, after its September 2018 settlement with Dutch<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.94pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 385.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 484.96pt;">authorities concerning anti-money laundering matters, and in the context of significantly increased<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.93pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 397.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 484.91pt;">attention on the prevention of financial economic crime, ING has experienced heightened scrutiny by<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.88pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 409.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 484.92pt;">authorities in various countries. The interactions with such regulatory and judicial authorities have included,<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.89pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 421.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 484.97pt;">and can be expected to continue to include, onsite visits, information requests, investigations and other<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.94pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 433.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 484.88pt;">enquiries. Such interactions, as well as ING&#8217;s internal assessments in connection with its global<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.85pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 445.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 484.98pt;">enhancement programme, have in some cases resulted in satisfactory outcomes, and also have resulted in,<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.95pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 457.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 485pt;">and may continue to result in, findings, or other conclusions which may require appropriate remedial<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 469.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 484.94pt;">actions by ING, or may have other consequences. ING intends to continue to work in close cooperation with<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.91pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 481.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 484.91pt;">authorities as it seeks to improve its management of non-financial risks in terms of policies, tooling,<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 524.88pt; position: var(--position); text-decoration: none; white-space: pre; width: 2.5pt;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); text-align: justify; text-align-last: justify; top: 493.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre; width: 230.22pt;">monitoring, governance, knowledge and behaviour.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 520.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In January 2022, a Luxembourg investigating judge informed ING Luxembourg that he intends to instruct <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the relevant prosecutor to prepare a criminal indictment regarding alleged shortcomings in the AML process <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 544.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">at ING Luxembourg. Although this matter still remains at an early procedural stage and it is currently not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">possible to determine how this matter will be resolved or the timing of any such resolution, ING does not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">expect a financial outcome of this matter to have a material effect.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING's subsidiary Payvision is the subject of a criminal investigation by Dutch authorities regarding money <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">laundering and various requirements of the Dutch act on Anti-Money Laundering and Counter Terrorist <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Financing, focusing on the period from 1 January 2015 up to and including April 2020. Payvision is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">cooperating with such ongoing investigation. In October 2021, the phasing out of Payvision was announced. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The phasing out of activities and the transfer of customers to a new service provider were completed in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022. At the request of Payvision, its license has been withdrawn. It is currently not feasible to determine <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">how the ongoing investigation may be resolved or the timing of any such resolution, nor to estimate reliably <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the possible timing, scope or amounts of any resulting fines, penalties and/or other outcome.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 214.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING continues to take steps to enhance its management of compliance risks and embed stronger awareness <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 226.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">across the whole organisation. These steps are part of the global KYC programme and set of initiatives, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">which includes enhancing KYC files and working on various structural improvements in compliance policies, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">tooling, monitoring, governance, knowledge and behaviour.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Tax cases<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 599.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">: Because of the geographic spread of its business, ING may be subject to tax audits, investigations <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 289.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and procedures in numerous jurisdictions at any point in time. Although the Issuer believes that it has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">adequately provided for all its tax positions, the ultimate resolution of these audits, investigations and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">procedures is uncertain and may result in liabilities which are materially different from the amounts <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">recognised. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 352.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Litigation regarding products of a former subsidiary in Mexico:<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 841.29pt; position: var(--position); text-decoration: none; white-space: pre;"> Proceedings in which ING is involved include <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 364.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">complaints and lawsuits concerning the performance of certain interest sensitive products that were sold by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">a former subsidiary of ING in Mexico.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 403.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Claims regarding accounts with predecessors of ING Bank T&#252;rkiye:<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 857.73pt; position: var(--position); text-decoration: none; white-space: pre;"> ING Bank T&#252;rkiye has received <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 415.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">numerous claims from (former) customers of legal predecessors of ING Bank T&#252;rkiye. The claims are based <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 427.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">on offshore accounts held with these banks, which banks were seized by the Savings Deposit Insurance Fund <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 439.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">(&#8220;SDIF&#8221;) prior to the acquisition of ING Bank T&#252;rkiye in 2007 from OYAK. Pursuant to the acquisition contract, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 451.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING can claim compensation from SDIF if a court orders ING to pay amounts to the offshore account holders. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">SDIF has made payments to ING pursuant to such compensation requests, but filed various lawsuits to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 475.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">receive those amounts back. These lawsuits are ongoing in favour of ING Bank T&#252;rkiye. In April 2022 the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 487.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Turkish Supreme Court decided that the prescription period for the offshore account holders&#8217; compensation <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 499.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">claims starts on the transfer date of the account holders to the offshore accounts. The exact impact of this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 511.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">decision on the ongoing cases is not clear yet. At this moment it is not possible to assess the outcome of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 523.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">these procedures nor to provide an estimate of the (potential) financial effect of these claims.<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -331<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-9798-3" continuedAt="f-9798-4"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Interest rate derivatives claims<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 183.52pt; position: var(--position); text-decoration: none; white-space: pre;">: In the past a uniform recovery framework for Dutch SME clients with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest rate derivatives was established by a committee of independent experts appointed by the Dutch <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Ministry of Finance. In the context of this recovery framework most claims have been settled, however ING is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">still involved in several legal proceedings in the Netherlands with respect to interest rate derivatives that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">were sold to clients in connection with floating interest rate loans in order to hedge the interest rate risk of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the loans. These proceedings are based on several legal grounds, depending on the facts and circumstances <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">of each specific case, inter alia alleged breach of duty of care, insufficient information provided to the clients <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on the product and its risks and other elements related to the interest rate derivatives that were sold to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">clients. In some cases, the court has ruled in favour of the claimants and awarded damages, annulled the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest rate derivative or ordered repayment of certain amounts to the claimants.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Interest surcharges claims: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 166.56pt; position: var(--position); text-decoration: none; white-space: pre;">ING received complaints and was involved in litigation with certain individuals in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands regarding increases in interest surcharges with respect to several credit products, including <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">but not limited to commercial property. ING has reviewed the relevant product portfolio. The provision <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">previously taken has been reversed for certain of these complaints. All claims are dealt with individually. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Thus far, the courts have ruled in favour of ING in each case, ruling that ING was allowed to increase the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 259.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">interest surcharge based upon the essential obligations in the contract. In a relevant case the Dutch <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 271.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Supreme Court ruled in favor of another Dutch bank, addressing the question whether or not a bank is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 283.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">allowed to increase interest surcharges unilaterally. The Supreme Court ruled affirmatively and referred the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 295.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">case to the Court of Appeal in The Hague. The Court of Appeal also ruled in favour of the Dutch bank in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 307.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">October 2022 and this ruling has been confirmed by the Supreme Court in its ruling of 22 December 2023. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 319.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING will continue to deal with all claims individually. In the last pending case against ING, the Court of Appeal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 331.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">dismissed all claims in its ruling of 9 January 2024. The time limit for lodging a cassation appeal at the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Supreme Court expires on 9 April 2024.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Mortgage expenses claims:<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 164.32999999999998pt; position: var(--position); text-decoration: none; white-space: pre;"> ING Spain has received claims and is involved in procedures with customers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">regarding reimbursement of expenses associated with the formalisation of mortgages. In most first instance <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">court proceedings the expense clause of the relevant mortgage contract has been declared null and ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Spain has been ordered to reimburse all or part of the applicable expenses. Since 2018, the Spanish Supreme <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Court and the European Court of Justice have issued rulings setting out which party should bear notary, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">registration, agency, and stamp duty costs. In January 2021, the Spanish Supreme Court ruled that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">valuation costs of mortgages, signed prior to 16 June 2019, the date the new mortgage law entered into <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 454.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">force, should be borne by the bank. Media attention for the statute of limitations applicable to the right to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 466.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">claim reimbursement of costs resulted in an increased number of claims at the beginning of 2021. In June <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 478.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2021, the Supreme Court published a press release informing of its decision to ask the European Court of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 490.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Justice for a preliminary ruling regarding the criteria that should be applied to determine the date from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 502.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which the action for claiming the reimbursement of mortgage expenses is considered to be expired. Two <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 514.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">other preliminary rulings that were submitted by Catalunya courts also related to the limitation period. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 526.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">January 2024, the European Court of Justice ruled on one of the complaints filed by the Catalunya Provincial <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 538.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Court. The European Court of Justice determined that the limitation period for the judicial claim for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 550.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reimbursement of expenses cannot begin to run from a Supreme Court decision declaring the clause null <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and void, nor from the moment of the payment of the expenses. The European Court of Justice indicated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that it is up to national case-law to determine the criterion that should be applied for the calculation of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">limitation period, so uncertainty remains until the Supreme Court unifies the case-law. Currently, ING is <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">reviewing the strategy in order to address the latest developments.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Spain was also included, together with other Spanish banks, in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 853.29pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="classaction" contextRef="c-432" decimals="INF" name="ing:NumberOfClassActionsFiled" format="ixt-sec:numwordsen" id="f-9800">three</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 877.22pt; position: var(--position); text-decoration: none; white-space: pre;"> class actions filed by customer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">associations. In <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 625.7pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="classaction" contextRef="c-432" decimals="INF" name="ing:NumberOfClassActionsAgreementReached" format="ixt-sec:numwordsen" id="f-9801">one</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 642.65pt; position: var(--position); text-decoration: none; white-space: pre;"> of the class actions an agreement was reached with the association. In another class <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">action ING filed an appeal asking the Spanish Court of Appeal to determine that the ruling of the court of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 163.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">first instance is only applicable to the consumers that were part of the case. The National Court has revoked <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 175.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the ruling and declared that the consumers will not be able to initiate an action for compensation based on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 187.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the first instance ruling, as the claimant association intended. This last decision is not yet final, as it has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">been appealed in the Supreme Court. A provision has been established in the past and has been adjusted <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">where appropriate.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Imtech claims: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 624.3pt; position: var(--position); text-decoration: none; white-space: pre;">In the Netherlands, the trustees in the bankruptcy of Imtech N.V. (&#8220;Imtech&#8221;) claimed in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">September 2018 from various financing parties, including ING, payment of what the security agent has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">collected following bankruptcy or intends to collect, repayment of all that was repaid to the financing <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">parties, as well as compensation for the repayment of a bridge financing, provided by ING and another <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">bank. This matter was settled by all Imtech financiers, including ING, and the Imtech trustees in October <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In January 2018, ING Bank received a claim from Stichting ImtechClaim.nl and Imtech Shareholders Action <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Group B.V. on behalf of certain (former) shareholders of Imtech. Furthermore, in March 2018, ING Bank <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">received another claim on the same subject matter from the Dutch Association of Stockholders (Vereniging <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">van Effectenbezitters, &#8220;VEB&#8221;). In June 2022, VEB reiterated and further substantiated its claim in a letter to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 373.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING. Each of the claimants allege inter alia that shareholders were misled by the prospectus of the rights <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 385.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">issues of Imtech in July 2013 and October 2014. ING Bank, being one of the underwriters of the rights issues, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 397.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">is held liable by the claimants for the damages that investors in Imtech would have suffered. ING Bank <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 409.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">responded to the claimants denying any and all responsibility in relation to the allegations made in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 421.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">relevant letters. ING (and the other underwriting banks) received a tolling letter (stuitingsbrief) from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 433.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Stichting Imtechclaim.nl, Imtech Shareholders Action Group B.V. and individual shareholders in December <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 445.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022, in connection with the allegations made in their original claim letter of January 2018. At this moment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 457.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">it is not possible to assess the outcome of these claims nor to provide an estimate of the (potential) effect of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">these claims.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 496.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Claims regarding mortgage loans in Swiss franc in Poland:<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 820.27pt; position: var(--position); text-decoration: none; white-space: pre;"> ING Poland is a defendant in several lawsuits <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 508.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">with retail customers who took out mortgage loans indexed to the Swiss franc. Such customers have alleged <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 520.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">that the mortgage loan contract contains abusive clauses. One element that the court is expected to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 532.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">consider in determining whether such contracts contain abusive clauses is whether the rules to determine <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 544.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the exchange rate used for the conversion of the loan from Polish zloty to Swiss franc are unambiguous and <span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -332<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-9798-4"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">verifiable. In December 2020, the Polish Financial Supervision Authority (PFSA) proposed that lenders offer <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">borrowers voluntary out-of-court settlements on foreign-currency mortgage disputes, with mortgages <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">indexed to Swiss franc serving as a reference point. In February 2021, ING Poland announced its support for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">this initiative and in October 2021 began offering the settlements to the borrowers following the PFSA&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">proposal. The Polish Supreme Court was expected to provide further clarity on this topic in a ruling <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">scheduled for November 2021, however the court&#8217;s session on this matter was postponed and the date of <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the next session has not yet been announced. In October 2022, a hearing of the European Court of Justice <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">("CJEU") was held inter alia on the question whether, after cancellation of a contract regarding a Swiss franc <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">loan by a court, banks may still charge interests for the amount borrowed under such loan prior to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">cancellation. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 199.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">On 15 June 2023, the CJEU issued a ruling. It ruled that under EU law when a loan agreement indexed to the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 211.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Swiss franc is declared null and void, banks cannot claim any remuneration (i.e. interest) for the duration the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">principal amount was available to the customer. The customer, however, may assert claims against banks in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">addition to reimbursement of interest and instalments previously paid to the bank. ING has recorded a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 247.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">portfolio provision.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Certain Consumer Credit Products:<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 197.56pt; position: var(--position); text-decoration: none; white-space: pre;"> In October 2021, ING announced that it would offer compensation to its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 286.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Dutch retail customers in connection with certain revolving consumer loans with variable interest rates that <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 298.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">allegedly did not sufficiently follow market rates. This announcement was made in response to several <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 310.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">rulings by the Dutch Institute for Financial Disputes (Kifid) regarding similar products at other banks. ING has <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">recognized a provision of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 173.89pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4556" decimals="-6" name="ifrs-full:LegalProceedingsProvision" format="ixt:num-dot-decimal" scale="6" id="f-9802">180</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 223.21pt; position: var(--position); text-decoration: none; white-space: pre;"> in 2021 for compensation and costs in connection with this <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 334.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">matter. On 22 December 2021, ING announced that it reached an agreement with the Dutch Consumers&#8217; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 346.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Association (Consumentenbond) on the compensation methodology for revolving credits. Based on a Kifid <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 358.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ruling regarding similar products, ING has amended its previously announced compensation scheme by also <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 370.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">compensating interest on interest. In the third quarter of 2022, ING increased its provision for this matter by <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 382.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 60.19pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4557" decimals="-6" name="ing:AdditionalProvisionsLegalProvisions" format="ixt:num-dot-decimal" scale="6" id="f-9803">75</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 103.88pt; position: var(--position); text-decoration: none; white-space: pre;">. In the fourth quarter of 2022, ING and the Dutch Consumers&#8217; Association reached an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 394.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">agreement on the compensation of customers who have had an overdraft facility or a revolving credit card <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 406.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with a variable interest rate. ING has started compensating such customers in line with Kifid rulings about <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 418.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">revolving credits including &#8216;interest-on-interest&#8217;-effect <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 282.61pt; position: var(--position); text-decoration: none; white-space: pre;">in these cases. The compensation process is taking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 430.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">more time than expected. Timelines for compensation vary depending on customer and product <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 442.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">segmentation and are dependent on the availability of data.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 469.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Climate litigation: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 124.74pt; position: var(--position); text-decoration: none; white-space: pre;">In January 2024, Friends of the Earth Netherlands (Milieudefensie) announced that it <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 481.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">holds ING liable for alleged contribution to climate change and threatens to initiate legal proceedings <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 493.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">against ING. If necessary, we will defend our science-based climate approach in court.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_322"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfBusinessCombinationsExplanatory" id="f-9804" continuedAt="f-9804-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">43&#160;  Consolidated companies and businesses acquired and divested<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-9804-1" continuedAt="f-9804-2"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 81.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Acquisitions and divestments<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 98.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">There were no significant acquisitions in 2023, 2022 or 2021, and there was no significant divestment in <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2023.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Divestments 2022<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING announced at 13 December 2022 that it has sold their interest (<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 857.81pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4558" decimals="2" name="ing:ProportionOfOwnershipInterestInSubsidiaryDivested" scale="-2" id="f-9805">80</ix:nonFraction>%<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 877.6800000000001pt; position: var(--position); text-decoration: none; white-space: pre;">) in Intersoftware Holding BV to the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 168.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Sky Group/ DIAS and realised a transaction result of EUR<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 804.78pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 807.28pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4558" decimals="-5" name="ing:GainLossOnSaleOfBusinessAndReleaseOfRedemptionLiability" scale="6" id="f-9806">11.0</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 826.5799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> million which consists of a profit of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1006.26pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4558" decimals="-5" name="ing:GainLossOnDisposalOfBusiness" scale="6" id="f-9807">7.0</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1019.9300000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 180.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">sale of InterSoftware Holding BV and the release of the redemption liability of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 923.04pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4558" decimals="-5" name="ing:GainOnReleaseOfRedemptionLiability" scale="6" id="f-9808">3.0</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 936.71pt; position: var(--position); text-decoration: none; white-space: pre;"> million. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 209.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Divestments 2021<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 224.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In&#160; 2021 ING decided to discontinue the Czech Retail Banking activities entailing the closure of retail <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 238.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">customer accounts /mutual funds and the sale of assets comprising the related government bond portfolio. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 250.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The discontinuation of the Czech retail Banking activities in 2021 resulted in EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 914.25pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4559" decimals="-8" name="ing:InterestBearingCustomerDeposits" format="ixt:num-dot-decimal" scale="9" id="f-9809">2.5</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 956.73pt; position: var(--position); text-decoration: none; white-space: pre;"> saving accounts <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 262.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">being transferred to Raiffeisenbank and the government bond portfolio with a carrying amount of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1014.69pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4559" decimals="-8" name="ifrs-full:GovernmentDebtInstrumentsHeld" format="ixt:num-dot-decimal" scale="9" id="f-9810">0.5</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 581.3299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> being sold. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 301.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">At 12 July 2021, ING announced that it has reached an agreement to transfer ING&#8217;s Retail Banking <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 313.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">operations in Austria to Bank99. Under the terms of the agreement, approximately EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 948pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4560" decimals="-8" name="ing:InterestBearingCustomerDeposits" format="ixt:num-dot-decimal" scale="9" id="f-9811">1.7</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 990.48pt; position: var(--position); text-decoration: none; white-space: pre;"> of savings <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">deposits and approximately EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 702.56pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4560" decimals="-8" name="ing:MortgageLoans" format="ixt:num-dot-decimal" scale="9" id="f-9812">1.0</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 745.04pt; position: var(--position); text-decoration: none; white-space: pre;"> of mortgages, approximately EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 900.8pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4560" decimals="-8" name="ing:OtherPersonalLending" format="ixt:num-dot-decimal" scale="9" id="f-9813">0.4</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 943.28pt; position: var(--position); text-decoration: none; white-space: pre;"> other personal <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 337.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">lending and approximately EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 698.35pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4560" decimals="-8" name="ing:LoansToBanks" format="ixt:num-dot-decimal" scale="9" id="f-9814">0.4</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 740.8299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> loans to banks of ING Austria have been transferred to Bank99. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 349.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">December 2021 the transaction was completed and a loss on disposal of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 902pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4561" decimals="-6" sign="-" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-9815">26</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 945.69pt; position: var(--position); text-decoration: none; white-space: pre;"> was realised. In <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 361.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2022 some final closing activities resulted in an additional loss of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 866.56pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4562" decimals="-6" sign="-" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-9816">1</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 904.62pt; position: var(--position); text-decoration: none; white-space: pre;">. ING Austria was included in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 373.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the segment Retail Challengers &amp; Growth Markets.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 400.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In 2021, ING and the board of Makelaarsland agreed to continue Makelaarsland independently. The new <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 412.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">board will take over all clients and employees, and services to clients will continue unchanged. The negative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 424.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">result on disposal of group companies from this management buyout amounted to approximately EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 1018.3pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4563" decimals="-6" sign="-" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-9817">3</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 436.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 584.9499999999999pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 463.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">On 28 October 2021 ING announced that its subsidiary Payvision will start phasing out its services as a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 475.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">payment service provider and acquirer. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 732.62pt; position: var(--position); text-decoration: none; white-space: pre;">In 2021, Payvision recognised&#160;an impairment loss of&#160;intangible <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 487.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">assets of&#160;EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 617.31pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4564" decimals="-6" name="ifrs-full:ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill" format="ixt:num-dot-decimal" scale="6" id="f-9818">44</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 661pt; position: var(--position); text-decoration: none; white-space: pre;">, mainly with respect to Brand, IT and Customer relationships&#160;and an impairment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 499.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">loss of&#160;the deferred tax asset of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 718.43pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4565" decimals="-6" name="ing:ImpairmentLossOnDeferredTaxAsset" format="ixt:num-dot-decimal" scale="6" id="f-9819">14</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 762.12pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 526.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In December 2021 ING announced that it will leave the retail banking market in France in order to sharpen <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 538.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the focus of its business portfolio. ING and Boursorama (a subsidiary of Soci&#233;t&#233; G&#233;n&#233;rale) signed an <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 550.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">agreement to offer attractive services to retail customers of ING in France. The exit was finalized end of <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -333<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-9804-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2022. ING&#8217;s departure from the France retail banking market resulted in transferring EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 437.08000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4566" decimals="-8" name="ing:InterestBearingCustomerDeposits" format="ixt:num-dot-decimal" scale="9" id="f-9820">9.7</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 479.55999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> saving <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">accounts to Boursorama. ING will continue its Wholesale Banking activities in France, with a focus on <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">strengthening its position and the ambition to be the go-to bank for sustainable finance.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 118.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_325"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 118.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory" id="f-9821" continuedAt="f-9821-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">44&#160;  Principal subsidiaries, investments in associates and joint ventures<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-9821-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 135.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For the majority of ING&#8217;s principal subsidiaries, <span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 248.37pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V.<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 313.83000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> has control because it either directly or <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 152.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">indirectly owns more than half of the voting power. For subsidiaries in which the interest held is below 50%, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 164.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">control exists based on the combination of ING&#8217;s financial interest and its rights from other contractual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 176.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">arrangements which result in control over the operating and financial policies of the entity.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 206.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For each of the subsidiaries listed, the voting rights held equal the proportion of ownership interest and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consolidation by ING is based on the majority of ownership.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 248.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For the principal investments in associates and joint ventures <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 315.30999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 360.79999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> has significant influence but not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 260.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">control. Significant influence generally results from a shareholding of between <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 391.88pt; position: var(--position); text-decoration: none; white-space: pre;">20%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 411.75pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 433.99pt; position: var(--position); text-decoration: none; white-space: pre;">50%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 453.86pt; position: var(--position); text-decoration: none; white-space: pre;"> of the voting <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 272.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">rights, but also the ability to participate in the financial and operating policies through situations including, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 284.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">but not limited to one or more of the following:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 302.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Representation on the board of directors;<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 315.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Participation in the policymaking process; and<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 328.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 54.17pt; position: var(--position); text-decoration: none; white-space: pre;">Interchange of managerial personnel.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 355.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfPrincipalSubsidiariesInvestmentsInAssociatesAndJointVenturesTableTextBlock" id="f-9822" continuedAt="f-9822-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The principal subsidiaries, investments in associates and joint ventures of ING Groep N.V. and their statutory <span style="display: inline-block; height: 7.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-9822-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 367.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">place of incorporation or primary place of business are as follows:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 483.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 179.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 92.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 110.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51pt;"/></tr><tr style="height: 14.25pt;"><td colspan="5" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 483.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Principal subsidiaries, investments in associates and joint ventures<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 17.25pt;"><td colspan="3" rowspan="2" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="2" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 34.5pt; left: 381.75pt; position: var(--position); top: 14.25pt; width: 102pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.52pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3.06pt; position: var(--position); text-decoration: none; white-space: pre;">Proportion of ownership <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.32pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 3pt; position: var(--position); text-decoration: none; white-space: pre;">and interest held by the <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 24.12pt; width: 102pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 75.71pt; position: var(--position); text-decoration: none; white-space: pre;">group<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 17.25pt;"><td colspan="5" rowspan="1" style="display: none;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381.75pt; position: var(--position); top: 48.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 48.75pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 63pt; width: 179.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 179.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Subsidiary<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 179.25pt; position: var(--position); top: 63pt; width: 92.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 92.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Statutory place of <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 92.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Incorporation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 271.5pt; position: var(--position); top: 63pt; width: 110.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 110.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Country of operation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 87pt; width: 179.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 179.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 179.25pt; position: var(--position); top: 87pt; width: 92.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 92.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amsterdam<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 87pt; width: 110.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 110.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 381.75pt; position: var(--position); top: 87pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4567" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9823">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 432.75pt; position: var(--position); top: 87pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4568" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9824">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 99pt; width: 179.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 179.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Bank Mendes Gans N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 179.25pt; position: var(--position); top: 99pt; width: 92.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 92.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amsterdam<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 99pt; width: 110.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 110.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 381.75pt; position: var(--position); top: 99pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4569" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9825">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 432.75pt; position: var(--position); top: 99pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4570" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9826">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 111pt; width: 179.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 179.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Belgium S.A./N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 179.25pt; position: var(--position); top: 111pt; width: 92.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 92.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Brussels<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 111pt; width: 110.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 110.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Belgium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 381.75pt; position: var(--position); top: 111pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4571" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9827">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 432.75pt; position: var(--position); top: 111pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4572" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9828">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 123pt; width: 179.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 179.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Luxembourg S.A.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 179.25pt; position: var(--position); top: 123pt; width: 92.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 92.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Luxembourg City<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 123pt; width: 110.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 110.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Luxembourg<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 381.75pt; position: var(--position); top: 123pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4573" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9829">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 432.75pt; position: var(--position); top: 123pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4574" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9830">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 135pt; width: 179.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 179.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING-DiBa AG<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 179.25pt; position: var(--position); top: 135pt; width: 92.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 92.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Frankfurt am Main<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 135pt; width: 110.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 110.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Germany<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 381.75pt; position: var(--position); top: 135pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4575" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9831">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 432.75pt; position: var(--position); top: 135pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4576" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9832">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 147pt; width: 179.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 179.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank Slaski S.A.<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 80.19999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 179.25pt; position: var(--position); top: 147pt; width: 92.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 92.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Katowice<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 147pt; width: 110.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 110.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Poland<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 381.75pt; position: var(--position); top: 147pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 32.39pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.39pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4577" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9833">75</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 432.75pt; position: var(--position); top: 147pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 32.39pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.39pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4578" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9834">75</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 159pt; width: 179.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 179.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Financial Holdings Corporation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 179.25pt; position: var(--position); top: 159pt; width: 92.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 92.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Delaware<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 159pt; width: 110.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 110.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">United States of America<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 381.75pt; position: var(--position); top: 159pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4579" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9835">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 432.75pt; position: var(--position); top: 159pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4580" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9836">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 171pt; width: 179.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 179.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank A.S.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 179.25pt; position: var(--position); top: 171pt; width: 92.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 92.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Istanbul<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 171pt; width: 110.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 110.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">T&#252;rkiye<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 381.75pt; position: var(--position); top: 171pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4581" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9837">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 432.75pt; position: var(--position); top: 171pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4582" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9838">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 183pt; width: 179.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 179.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Bank (Australia) Ltd<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 179.25pt; position: var(--position); top: 183pt; width: 92.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 92.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Sydney<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 183pt; width: 110.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 110.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Australia<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 381.75pt; position: var(--position); top: 183pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4583" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9839">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 432.75pt; position: var(--position); top: 183pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4584" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9840">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 195pt; width: 179.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 179.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Commercial Finance B.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 179.25pt; position: var(--position); top: 195pt; width: 92.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 92.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amsterdam<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 195pt; width: 110.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 110.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 381.75pt; position: var(--position); top: 195pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4585" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9841">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 432.75pt; position: var(--position); top: 195pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4586" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9842">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 207pt; width: 179.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 179.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groenbank N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 179.25pt; position: var(--position); top: 207pt; width: 92.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 92.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amsterdam<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 271.5pt; position: var(--position); top: 207pt; width: 110.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 1.5pt; width: 110.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">the Netherlands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 381.75pt; position: var(--position); top: 207pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4587" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9843">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 432.75pt; position: var(--position); top: 207pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 27.33pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 27.33pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4588" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInSubsidiary" scale="-2" id="f-9844">100</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 219pt; width: 179.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 179.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investments in associates and joint <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 179.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ventures<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 243pt; width: 179.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 179.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">TMBThanachart Bank Public Company Ltd<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 169.73pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 179.25pt; position: var(--position); top: 243pt; width: 92.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 92.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Bangkok<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 271.5pt; position: var(--position); top: 243pt; width: 110.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 110.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Thailand<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381.75pt; position: var(--position); top: 243pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 32.39pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.39pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-2920" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInAssociate" scale="-2" id="f-9845">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 243pt; width: 51pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 32.39pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 32.39pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4589" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestInAssociate" scale="-2" id="f-9846">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.51pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 327.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">The shares of the non-controlling interest stake of <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 742.4pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4578" decimals="2" name="ifrs-full:ProportionOfOwnershipInterestsHeldByNoncontrollingInterests" scale="-2" id="f-9847">25</ix:nonFraction>%<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 758.28pt; position: var(--position); text-decoration: none; white-space: pre;"> are listed on the Warsaw Stock Exchange, for summarised financial <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 336.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">information we refer to <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 647.24pt; position: var(--position); text-decoration: none; white-space: pre;">Note 31 'Information on geographical areas'<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 805.1600000000001pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 346.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">Reference is made to <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 639.62pt; position: var(--position); text-decoration: none; white-space: pre;">Note 8 'Investment in associates and joint ventures'<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 824.4000000000001pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></ix:continuation><div style="position: absolute; top: 373.96pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_328"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 373.96pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInformationAboutConsolidatedStructuredEntitiesExplanatory" id="f-9848" continuedAt="f-9848-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">45&#160;  Structured entities<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-9848-1" continuedAt="f-9848-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group&#8217;s activities involve transactions with various structured entities (SE) in the normal course of its <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 407.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">business. A structured entity is an entity that has been designed so that voting or similar rights are not the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 419.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">dominant factor in deciding who controls the entity, such as when any voting rights relate to administrative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 431.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">tasks only and the relevant activities are directed by means of contractual arrangements. ING Group&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 443.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">involvement in these entities varies and includes both debt financing and equity financing of these entities <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 455.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as well as other relationships. Based on its accounting policies, ING establishes whether these involvements <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 467.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">result in no significant influence, significant influence, joint control or control over the structured entity.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 494.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The structured entities over which ING can exercise control are consolidated. ING may provide support to <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 506.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">these consolidated structured entities as and when appropriate. However, this is fully reflected in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 518.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">consolidated financial statements of ING Group as all assets and liabilities of these entities are included and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 530.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">off-balance sheet commitments are disclosed.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -334<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-9848-2" continuedAt="f-9848-3"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s activities involving structured entities are explained below in the following categories:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 91.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated ING originated securitisation programmes;<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated ING originated Covered bond programme (CBC);<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">3.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Consolidated ING sponsored Securitisation programme (Mont Blanc);<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">4.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Unconsolidated Securitisation programme; and<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">5.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Other structured entities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 168.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1. Consolidated ING originated securitisation programmes<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 183.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group enters into liquidity management securitisation programmes in order to obtain funding and <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 197.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">improve liquidity. Within the programme ING Group sells ING originated assets to a structured entity. The <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 209.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">underlying exposures include residential mortgages and SME loans in the Netherlands, Belgium, Spain, Italy, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 221.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Australia and Germany.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 248.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The structured entity issues securitised notes (traditional securitisations) which are eligible collateral for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 260.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">central bank liquidity purposes. In most programmes ING Group acts as investor of the securitised notes. ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 272.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Group continues to consolidate these structured entities if it is deemed to control the entities.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 299.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The structured entity issues securitisation notes in two or more tranches, of which the senior tranche <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 311.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">obtains a high rating (AAA or AA) by a rating agency. The retained tranche can subsequently be used by ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 323.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Group as collateral in the money market for secured borrowings.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 350.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group originated various securitisations, as at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 264.71000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 349.51pt; position: var(--position); text-decoration: none; white-space: pre;">, these consisted of approximately EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 526.02pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 362.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4590" decimals="-9" name="ifrs-full:SupportProvidedToStructuredEntityWithoutHavingContractualObligationToDoSo" format="ixt:num-dot-decimal" scale="9" id="f-9849">67</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 80.03999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 85.72pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 108.24pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 133.37pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4591" decimals="-9" name="ifrs-full:SupportProvidedToStructuredEntityWithoutHavingContractualObligationToDoSo" format="ixt:num-dot-decimal" scale="9" id="f-9850">65</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 173.44pt; position: var(--position); text-decoration: none; white-space: pre;">) of senior and subordinated notes, of which approximately EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 460.25pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4592" decimals="-9" name="ifrs-full:SupportProvidedToStructuredEntityWithoutHavingContractualObligationToDoSo" format="ixt:num-dot-decimal" scale="9" id="f-9851">2</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 494.69000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 374.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 43.15pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 65.67pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 88.3pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 90.8pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4593" decimals="-9" name="ifrs-full:SupportProvidedToStructuredEntityWithoutHavingContractualObligationToDoSo" format="ixt:num-dot-decimal" scale="9" id="f-9852">1</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 125.24pt; position: var(--position); text-decoration: none; white-space: pre;">) were issued externally. The underlying exposures are residential mortgages and SME <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 386.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">loans. Apart from the third party funding, these securitisations did not impact ING Group&#8217;s Consolidated <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 398.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statement of financial position and profit or loss.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 425.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 50.8pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 73.32pt; position: var(--position); text-decoration: none; white-space: pre;">, there are no non-controlling interests as part of the securitisation structured entities that are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 437.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">significant to ING Group. ING Group for the majority of the securitisation vehicles provides the funding for <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 449.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the entity except for EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 153.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4594" decimals="-9" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="9" id="f-9853">2</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 188.41pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 194.09pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 216.60999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 241.74pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4595" decimals="-9" name="ifrs-full:NoncontrollingInterests" format="ixt:num-dot-decimal" scale="9" id="f-9854">1</ix:nonFraction> billion<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 276.18pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 476.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In addition ING Group originated various securitisations for liquidity management optimisation purposes <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 488.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which consist of senior secured portfolio loans issued to ING subsidiaries in Germany. The underlying <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 500.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">exposures were senior loans to large corporations and financial institutions, and real estate finance loans, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 512.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">mainly in the Netherlands. As at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 186.55pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 271.35pt; position: var(--position); text-decoration: none; white-space: pre;">, all securitized loans are redeemed <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 431.72pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 434.9pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 457.41999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 482.54999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4595" decimals="-6" name="ifrs-full:OtherBorrowings" format="ixt:num-dot-decimal" scale="6" id="f-9855">444</ix:nonFraction> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 524.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 69.9pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2. Consolidated ING originated covered bond programme (CBC)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group has entered into a covered bond programme. Under the covered bond programme ING issues <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">bonds. The payment of interest and principal is guaranteed by the ING administered structured entities, ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 105.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Covered Bond Company B.V., and ING SB Covered Bond Company B.V. In order for these entities to fulfil their <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 117.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">guarantee, ING legally transfers mainly Dutch mortgage loans originated by ING. Furthermore, ING offers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 129.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">protection against deterioration of the mortgage loans. The entities are consolidated by ING Group.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 145.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfCoveredBondProgrammeTableTextBlock" id="f-9856" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 483.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 336.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 73.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 73.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 483.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 483.75pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Covered bond programme<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336.75pt; position: var(--position); top: 14.25pt; width: 147pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 147pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fair value pledged mortgage loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 28.5pt; width: 336.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 336.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336.75pt; position: var(--position); top: 28.5pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 73.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 49.91pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 28.5pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 73.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 49.91pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 42.75pt; width: 336.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 336.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dutch Covered Bond Companies<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336.75pt; position: var(--position); top: 42.75pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.41pt;"></span></span><span style="left: 43.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4596" decimals="-6" name="ing:FairValuePledgedMortgageLoans" format="ixt:num-dot-decimal" scale="6" id="f-9857">27,148</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 70.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 42.75pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 40.41pt;"></span></span><span style="left: 43.04pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4597" decimals="-6" name="ing:FairValuePledgedMortgageLoans" format="ixt:num-dot-decimal" scale="6" id="f-9858">21,379</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 70.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 336.75pt; position: var(--position); top: 57pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.51pt;"></span></span><span style="left: 42.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-20" decimals="-6" name="ing:FairValuePledgedMortgageLoans" format="ixt:num-dot-decimal" scale="6" id="f-9859">27,148</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 70.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 410.25pt; position: var(--position); top: 57pt; width: 73.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 73.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 39.51pt;"></span></span><span style="left: 42.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-21" decimals="-6" name="ing:FairValuePledgedMortgageLoans" format="ixt:num-dot-decimal" scale="6" id="f-9860">21,379</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 70.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 221.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In addition, subsidiaries of ING in Germany, Belgium, Poland and Australia also issued covered bonds with <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 236.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">pledged mortgages loans of approximately EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 770.81pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4598" decimals="-6" name="ifrs-full:BondsIssued" format="ixt:num-dot-decimal" scale="6" id="f-9861">29,950</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 833.8pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 839.48pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 862pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 887.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4599" decimals="-6" name="ifrs-full:BondsIssued" format="ixt:num-dot-decimal" scale="6" id="f-9862">24,880</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 950.12pt; position: var(--position); text-decoration: none; white-space: pre;">) in total.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 265.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For the covered bond programme, third-party investors in securities issued by the structured entity have <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 277.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">recourse to the assets of the entity and to the assets of ING Group.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 306.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">3. Consolidated ING sponsored Securitisation programme (Mont Blanc)<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 320.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In the normal course of business, ING Group structures financing transactions for its clients by assisting <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 335.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">them in obtaining sources of liquidity by selling the clients&#8217; receivables or other financial assets to a Special <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 347.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Purpose Vehicle (SPV). The senior positions in these transactions may be funded by the ING administered <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 359.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">multi seller Asset Backed Commercial Paper (ABCP) conduit Mont Blanc Capital Corp. (rated A-1/P-1). Mont <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 371.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Blanc Capital Corp. funds itself externally&#160; in the ABCP markets. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 398.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In its role as administrative agent, ING Group facilitates these transactions by acting as administrative <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 410.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">agent, swap counterparty and liquidity provider to Mont Blanc Capital Corp. ING Group also provides support <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 422.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">facilities (i.e. liquidity) backing the transactions funded by the conduit. The types of asset currently in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 434.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Mont Blanc conduit include trade receivables, consumer finance receivables, car leases and residential <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 446.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">mortgages.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 473.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group supports the commercial paper programmes by providing Mont Blanc Capital Corp. with short-<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 485.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">term liquidity facilities. Once drawn these facilities bear normal credit risk. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 512.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">The liquidity facilities, provided to Mont Blanc are EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 796.1pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4600" decimals="-6" name="ifrs-full:UndrawnBorrowingFacilities" format="ixt:num-dot-decimal" scale="6" id="f-9863">2,268</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 853.46pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 859.14pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 881.66pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 906.79pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4601" decimals="-6" name="ifrs-full:UndrawnBorrowingFacilities" format="ixt:num-dot-decimal" scale="6" id="f-9864">2,446</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 964.15pt; position: var(--position); text-decoration: none; white-space: pre;">). The drawn <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 524.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">liquidity amount is <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 640.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4600" decimals="-6" name="ifrs-full:OtherBorrowings" format="ixt:fixed-zero" scale="6" id="f-9865">nil</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 651.2pt; position: var(--position); text-decoration: none; white-space: pre;"> as at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 678.13pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 762.93pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 768.61pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 791.13pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 796.04pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4601" decimals="-6" name="ifrs-full:OtherBorrowings" format="ixt:fixed-zero" scale="6" id="f-9866">nil</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 806.48pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -335<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-9848-3"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The standby liquidity facilities are reported under irrevocable facilities. All facilities, which vary in risk profile, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">are granted to the Mont Blanc Capital Corp. subject to normal ING Group credit and liquidity risk analysis <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">procedures. The fees received for services provided and for facilities are charged subject to market <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">conditions.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 129.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">4. Unconsolidated Securitisation programme<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 144.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In 2013 ING transferred financial assets (mortgage loans) for an amount of approximately EUR <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 464.41999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4602" decimals="-9" name="ifrs-full:AssetsTransferredToStructuredEntitiesAtTimeOfTransfer" scale="9" id="f-9867">2</ix:nonFraction><span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 470.04999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> billion to a <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 158.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">special purpose vehicle (SPV). The transaction resulted in full derecognition of the financial assets from ING&#8217;s <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 170.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statement of financial position. Following this transfer ING continues to have two types of on-going <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 182.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">involvement in the transferred assets: as counterparty to the SPE of a non-standard interest rate swap, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 194.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which is recognized as a non-trading derivative and as servicer of the transferred assets. ING has an option <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 206.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">to unwind the transaction by redeeming all notes at their principal outstanding amount, in the unlikely <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">event of changes in accounting and/or regulatory requirements that significantly impact the transaction. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 230.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The fair value of the swap held by ING at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 223.1pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 307.9pt; position: var(--position); text-decoration: none; white-space: pre;"> amounted to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 391.96000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4603" decimals="-6" sign="-" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-9868">26</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 439.38pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 442.55999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 465.08000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 242.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4604" decimals="-6" sign="-" name="ifrs-full:FinancialAssetsAtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-9869">40</ix:nonFraction>&#160;million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 87.39pt; position: var(--position); text-decoration: none; white-space: pre;">); fair value changes on this swap recognised in the statement of profit or loss in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 446.79999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 469.32000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> were EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 254.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4605" decimals="-6" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" format="ixt:num-dot-decimal" scale="6" id="f-9870">14</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 83.66pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 89.34pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 111.86pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 136.99pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4606" decimals="-6" sign="-" name="ifrs-full:GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets" scale="6" id="f-9871">6</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 146.35pt; position: var(--position); text-decoration: none; white-space: pre;"> million). Service fee income recognised, for the role as administrative agent, in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 266.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">statement of profit or loss in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 169.17pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 191.69pt; position: var(--position); text-decoration: none; white-space: pre;"> amounted to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 275.75pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4605" decimals="-6" name="ifrs-full:IncomeFromStructuredEntities" format="ixt:num-dot-decimal" scale="6" id="f-9872">1</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 313.80999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 316.30999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">(<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 319.49pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 342.01pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 367.14pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4606" decimals="-6" name="ifrs-full:IncomeFromStructuredEntities" format="ixt:num-dot-decimal" scale="6" id="f-9873">1</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 405.20000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">). The cumulative income <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 278.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">recognised in profit or loss since derecognition amounts to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 324.32000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ifrs-full:IncomeFromStructuredEntities" format="ixt:num-dot-decimal" scale="6" id="f-9874">19</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 368.01pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 373.69000000000005pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 396.21000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 421.34000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-6" name="ifrs-full:IncomeFromStructuredEntities" format="ixt:num-dot-decimal" scale="6" id="f-9875">18</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 465.03pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 307.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">5. Other structured entities<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 322.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In the normal course of business, ING Group enters into transactions with structured entities as <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 336.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">counterparty. Predominantly in its structured finance operations, ING can be instrumental in facilitating the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 348.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">creation of these structured entity counterparties. These entities are generally not included in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 360.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">consolidated financial statements of ING Group, as ING facilitates these transactions as administrative agent <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 372.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">by providing structuring, accounting, funding, lending, and operation services.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 399.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group offers various investment fund products to its clients. ING Group does not invest in these <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 411.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">investment funds for its own account nor acts as the fund manager.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="position: absolute; top: 441.51pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_331"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 441.51pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfRelatedPartyExplanatory" id="f-9876" continuedAt="f-9876-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">46&#160;  Related parties<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-9876-1" continuedAt="f-9876-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 458.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In the normal course of business, <span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 189.98pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 10.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 235.47pt; position: var(--position); text-decoration: none; white-space: pre;"> enters into various transactions with related parties. Parties are <span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 475.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">considered to be related if one party has the ability to control or exercise significant influence over the other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 487.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">party in making financial or operating decisions. Related parties of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 338.13pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 383.62pt; position: var(--position); text-decoration: none; white-space: pre;"> include, among others, its <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 499.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">associates, joint ventures, key management personnel, and various defined benefit and contribution plans. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 511.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">For post-employment benefit plans, reference is made to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 297.90999999999997pt; position: var(--position); text-decoration: none; white-space: pre;">Note 33 'Pensions and other post-employment <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 523.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">benefits'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 78.25pt; position: var(--position); text-decoration: none; white-space: pre;"> Transactions between related parties include rendering or receiving of services, leases, transfers <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 535.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">under finance arrangements and provisions of guarantees or collateral. All transactions with related parties <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">took place at conditions customary in the market. There are no significant provisions for doubtful debts or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">individually significant bad debt expenses recognised on outstanding balances with related parties.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 105.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Associates and joint ventures<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 120.31pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfSignificantInvestmentsInAssociatesAndJointVenturesTableTextBlock" id="f-9877" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 305.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="5" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Transactions with ING Group&#8217;s main associates and joint ventures<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.75pt; position: var(--position); text-decoration: none; white-space: pre;">Associates<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 90pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 90pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.22pt; position: var(--position); text-decoration: none; white-space: pre;">Joint ventures<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 305.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4607" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-9878">121</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4608" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-9879">121</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4609" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-9880">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4610" decimals="-6" name="ifrs-full:Assets" scale="6" id="f-9881">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4607" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="f-9882">424</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.19pt;"></span></span><span style="left: 26.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4608" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="f-9883">309</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4609" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="f-9884">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4610" decimals="-6" name="ifrs-full:Liabilities" scale="6" id="f-9885">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Off-balance sheet commitments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4611" decimals="-6" name="ifrs-full:CommitmentsMadeByEntityRelatedPartyTransactions" scale="6" id="f-9886">20</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4612" decimals="-6" name="ifrs-full:CommitmentsMadeByEntityRelatedPartyTransactions" scale="6" id="f-9887">28</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4613" decimals="-6" name="ifrs-full:CommitmentsMadeByEntityRelatedPartyTransactions" scale="6" id="f-9888">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 65.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4614" decimals="-6" name="ifrs-full:CommitmentsMadeByEntityRelatedPartyTransactions" scale="6" id="f-9889">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 305.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Income received<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 305.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4611" decimals="-6" name="ifrs-full:RevenueFromRenderingOfServicesRelatedPartyTransactions" scale="6" id="f-9890">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 350.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.25pt;"></span></span><span style="left: 31.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4612" decimals="-6" name="ifrs-full:RevenueFromRenderingOfServicesRelatedPartyTransactions" scale="6" id="f-9891">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4613" decimals="-6" name="ifrs-full:RevenueFromRenderingOfServicesRelatedPartyTransactions" scale="6" id="f-9892">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4614" decimals="-6" name="ifrs-full:RevenueFromRenderingOfServicesRelatedPartyTransactions" scale="6" id="f-9893">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 103.5pt; width: 305.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 305.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Expenses paid<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 305.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4611" decimals="-6" name="ifrs-full:ServicesExpense" scale="6" id="f-9894">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 350.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4612" decimals="-6" name="ifrs-full:ServicesExpense" scale="6" id="f-9895">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 395.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4613" decimals="-6" name="ifrs-full:ServicesExpense" scale="6" id="f-9896">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 440.25pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.31pt;"></span></span><span style="left: 36.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4614" decimals="-6" name="ifrs-full:ServicesExpense" scale="6" id="f-9897">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 258.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Assets, liabilities, commitments, and income related to Associates and joint ventures result from <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 270.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">transactions which are executed as part of the normal Banking business. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 881.5899999999999pt; position: var(--position); text-decoration: none; white-space: pre;">Dividends received by associates <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 282.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and joint ventures are included in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 706.92pt; position: var(--position); text-decoration: none; white-space: pre;">Note 8 'Investment in associates and joint ventures'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 938.0999999999999pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -336<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_334"></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:continuation id="f-9876-2" continuedAt="f-9876-3"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Key management personnel compensation <span style="display: inline-block; height: 9pt;"></span></span></ix:continuation></div><ix:continuation id="f-9876-3" continuedAt="f-9876-4"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Executive Board of ING Groep N.V., the Management Board Banking and the Supervisory Board are <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 93.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">considered Key Management personnel of ING Group. In 2023 and 2022, the <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 382.40999999999997pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="employee" contextRef="c-4615" decimals="INF" name="ifrs-full:NumberOfEmployees" format="ixt-sec:numwordsen" scale="0" id="f-9898">three</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 406.34000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> members of the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 105.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board of ING <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 143.45999999999998pt; position: var(--position); text-decoration: none; white-space: pre;">Groep<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 170.23pt; position: var(--position); text-decoration: none; white-space: pre;"> N.V. were also members of the Management Board Banking.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 132.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Transactions with key management personnel, including their compensation are included in the tables <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 144.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">below.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 171.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory" id="f-9899" continuedAt="f-9899-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 248.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 78.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 78.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 78.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Key management personnel compensation (Executive Board and Management Board Banking)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 14.25pt; width: 248.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 2.7pt; width: 248.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 225.38pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 248.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR thousands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 248.25pt; position: var(--position); top: 14.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.67pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.38pt; position: var(--position); text-decoration: none; white-space: pre;">of ING Groep N.V. <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 327pt; position: var(--position); top: 14.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.94pt; position: var(--position); text-decoration: none; white-space: pre;">Management <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.78pt; position: var(--position); text-decoration: none; white-space: pre;">Board Banking <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 72.71pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 405.75pt; position: var(--position); top: 14.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 54.82pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 38.25pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fixed Compensation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 52.5pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Base salary<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 52.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4616" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationShorttermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-9900">4,220</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 52.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4617" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationShorttermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-9901">4,200</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 52.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationShorttermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-9902">8,420</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 66.75pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Collective fixed allowances <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 120.67999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 66.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4616" decimals="-3" name="ing:KeyManagementPersonnelCompensationCollectiveFixedAllowances" format="ixt:num-dot-decimal" scale="3" id="f-9903">1,002</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 66.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4617" decimals="-3" name="ing:KeyManagementPersonnelCompensationCollectiveFixedAllowances" scale="3" id="f-9904">887</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 66.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="ing:KeyManagementPersonnelCompensationCollectiveFixedAllowances" format="ixt:num-dot-decimal" scale="3" id="f-9905">1,889</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 81pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Pension costs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 81pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63pt;"></span></span><span style="left: 65.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4616" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" scale="3" id="f-9906">78</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 81pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4617" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" scale="3" id="f-9907">107</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 81pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" scale="3" id="f-9908">185</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 95.25pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Severance benefits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4616" xsi:nil="true" name="ifrs-full:KeyManagementPersonnelCompensationTerminationBenefits" id="f-9909"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 95.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4617" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationTerminationBenefits" scale="3" id="f-9910">734</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 95.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationTerminationBenefits" scale="3" id="f-9911">734</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 109.5pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Variable compensation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 123.75pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Upfront cash<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4616" xsi:nil="true" name="ing:KeyManagementPersonnelCompensationUpfrontCash" id="f-9912"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 123.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4617" decimals="-3" name="ing:KeyManagementPersonnelCompensationUpfrontCash" scale="3" id="f-9913">598</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 123.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="ing:KeyManagementPersonnelCompensationUpfrontCash" scale="3" id="f-9914">598</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 138pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Upfront shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 138pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4616" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationSharebasedPayment" scale="3" id="f-9915">293</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 138pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4617" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationSharebasedPayment" scale="3" id="f-9916">598</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 138pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationSharebasedPayment" scale="3" id="f-9917">891</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 152.25pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Deferred cash<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4616" xsi:nil="true" name="ing:KeyManagementPersonnelCompensationDeferredCash" id="f-9918"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 152.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4617" decimals="-3" name="ing:KeyManagementPersonnelCompensationDeferredCash" scale="3" id="f-9919">897</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 152.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="ing:KeyManagementPersonnelCompensationDeferredCash" scale="3" id="f-9920">897</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 166.5pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Deferred shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 166.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4616" decimals="-3" name="ing:KeyManagementPersonnelCompensationDeferredShares" scale="3" id="f-9921">439</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 166.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4617" decimals="-3" name="ing:KeyManagementPersonnelCompensationDeferredShares" scale="3" id="f-9922">897</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 166.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="ing:KeyManagementPersonnelCompensationDeferredShares" format="ixt:num-dot-decimal" scale="3" id="f-9923">1,336</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 180.75pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Other emoluments <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 90.28999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">3<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 180.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4616" decimals="-3" name="ing:KeyManagementPersonnelCompensationOtherVariableCompensation" scale="3" id="f-9924">344</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 180.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4617" decimals="-3" name="ing:KeyManagementPersonnelCompensationOtherVariableCompensation" scale="3" id="f-9925">487</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 180.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="ing:KeyManagementPersonnelCompensationOtherVariableCompensation" scale="3" id="f-9926">832</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 195pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total compensation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 195pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50pt;"></span></span><span style="left: 52.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4616" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="f-9927">6,376</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 75.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 195pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50pt;"></span></span><span style="left: 52.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4617" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="f-9928">9,405</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 75.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 195pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.76pt;"></span></span><span style="left: 47.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="f-9929">15,782</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 75.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-9899-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 385.96pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">1</span><span style="display: inline-block; height: 6pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Excluding members of the Management Board Banking that are also members of the Executive Board of ING Groep N.V.</span><span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 395.56pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">2</span><span style="display: inline-block; height: 6pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">The collective fixed allowances consist of two savings allowances applicable to employees in the Netherlands;&#160; an individual savings </span><span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 405.16pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">allowance of </span><span style="display: inline-block; height: 6pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 94.43pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="ing:IndividualSavingsAllowancePercentage" scale="-2" id="f-9930">3.5</ix:nonFraction>%</span><span style="display: inline-block; height: 6pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 112.23pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> and a collective savings allowance to compensate for loss of pension benefits with respect to salary in excess of </span><span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 414.76pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">EUR </span><span style="display: inline-block; height: 6pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 63.230000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="0" name="ing:CollectiveSavingAllowancesForLossPensionBenefits" format="ixt:num-dot-decimal" scale="0" id="f-9931">128,810</ix:nonFraction></span><span style="display: inline-block; height: 6pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 92.15pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">.</span><span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 424.36pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">3</span><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">This includes expatriate allowances (such as housing, school/tuition fees and international health insurances, if applicable); banking <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 433.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">and insurance benefits from ING (on the same terms as for other employees of ING in the Netherlands); tax and financial planning <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 443.56pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">services to ensure compliance with the relevant legislative requirements; reimbursement of costs under the Directors &amp; Officers <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 453.16pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">indemnity provided by ING; the use of a company car or driver service.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 248.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 78.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 78.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 78.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Key management personnel compensation (Executive Board and Management Board Banking)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 30.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 30.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 248.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 9.45pt; width: 248.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 225.38pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 20.25pt; width: 248.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR thousands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 30.75pt; left: 248.25pt; position: var(--position); top: 14.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.45pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.67pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 20.25pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 5.38pt; position: var(--position); text-decoration: none; white-space: pre;">of ING Groep N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 30.75pt; left: 327pt; position: var(--position); top: 14.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 9.45pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.94pt; position: var(--position); text-decoration: none; white-space: pre;">Management <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 20.25pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 10.78pt; position: var(--position); text-decoration: none; white-space: pre;">Board Banking <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: bold; left: 72.71pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 30.75pt; left: 405.75pt; position: var(--position); top: 14.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 20.25pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 54.82pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 45pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fixed Compensation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 59.25pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Base salary<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 248.25pt; position: var(--position); top: 59.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4618" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationShorttermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-9932">4,220</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 59.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4619" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationShorttermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-9933">4,969</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 405.75pt; position: var(--position); top: 59.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationShorttermEmployeeBenefits" format="ixt:num-dot-decimal" scale="3" id="f-9934">9,189</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 72pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Collective fixed allowances <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 120.67999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 248.25pt; position: var(--position); top: 72pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4618" decimals="-3" name="ing:KeyManagementPersonnelCompensationCollectiveFixedAllowances" format="ixt:num-dot-decimal" scale="3" id="f-9935">1,011</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 72pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4619" decimals="-3" name="ing:KeyManagementPersonnelCompensationCollectiveFixedAllowances" format="ixt:num-dot-decimal" scale="3" id="f-9936">1,073</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 405.75pt; position: var(--position); top: 72pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-3" name="ing:KeyManagementPersonnelCompensationCollectiveFixedAllowances" format="ixt:num-dot-decimal" scale="3" id="f-9937">2,084</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 84.75pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Pension costs<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 248.25pt; position: var(--position); top: 84.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63pt;"></span></span><span style="left: 65.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4618" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" scale="3" id="f-9938">70</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 327pt; position: var(--position); top: 84.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4619" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" scale="3" id="f-9939">116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 405.75pt; position: var(--position); top: 84.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationPostemploymentBenefits" scale="3" id="f-9940">186</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 97.5pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Severance benefits<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4618" xsi:nil="true" name="ifrs-full:KeyManagementPersonnelCompensationTerminationBenefits" id="f-9941"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 97.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4619" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationTerminationBenefits" scale="3" id="f-9942">932</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 97.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationTerminationBenefits" scale="3" id="f-9943">932</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 111.75pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Variable compensation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 126pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Upfront cash<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4618" xsi:nil="true" name="ing:KeyManagementPersonnelCompensationUpfrontCash" id="f-9944"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 126pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4619" decimals="-3" name="ing:KeyManagementPersonnelCompensationUpfrontCash" scale="3" id="f-9945">803</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 126pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-3" name="ing:KeyManagementPersonnelCompensationUpfrontCash" scale="3" id="f-9946">803</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 140.25pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Upfront shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 140.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4618" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationSharebasedPayment" scale="3" id="f-9947">268</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 140.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4619" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationSharebasedPayment" scale="3" id="f-9948">803</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 140.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensationSharebasedPayment" format="ixt:num-dot-decimal" scale="3" id="f-9949">1,071</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 154.5pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Deferred cash<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4618" xsi:nil="true" name="ing:KeyManagementPersonnelCompensationDeferredCash" id="f-9950"></ix:nonFraction></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 154.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4619" decimals="-3" name="ing:KeyManagementPersonnelCompensationDeferredCash" format="ixt:num-dot-decimal" scale="3" id="f-9951">1,204</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 154.5pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-3" name="ing:KeyManagementPersonnelCompensationDeferredCash" format="ixt:num-dot-decimal" scale="3" id="f-9952">1,204</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 168.75pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Deferred shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 168.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4618" decimals="-3" name="ing:KeyManagementPersonnelCompensationDeferredShares" scale="3" id="f-9953">401</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 168.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4619" decimals="-3" name="ing:KeyManagementPersonnelCompensationDeferredShares" format="ixt:num-dot-decimal" scale="3" id="f-9954">1,204</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 168.75pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50.72pt;"></span></span><span style="left: 53.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-3" name="ing:KeyManagementPersonnelCompensationDeferredShares" format="ixt:num-dot-decimal" scale="3" id="f-9955">1,605</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 183pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; Other emoluments <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 90.28999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">3<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 183pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4618" decimals="-3" name="ing:KeyManagementPersonnelCompensationOtherVariableCompensation" scale="3" id="f-9956">296</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 183pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4619" decimals="-3" name="ing:KeyManagementPersonnelCompensationOtherVariableCompensation" scale="3" id="f-9957">638</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 183pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.94pt;"></span></span><span style="left: 60.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-3" name="ing:KeyManagementPersonnelCompensationOtherVariableCompensation" scale="3" id="f-9958">934</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 75.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 197.25pt; width: 248.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 248.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total compensation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 248.25pt; position: var(--position); top: 197.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 50pt;"></span></span><span style="left: 52.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4618" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="f-9959">6,266</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 75.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 327pt; position: var(--position); top: 197.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.76pt;"></span></span><span style="left: 47.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4619" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="f-9960">11,742</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 75.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 405.75pt; position: var(--position); top: 197.25pt; width: 78.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 78.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.76pt;"></span></span><span style="left: 47.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="f-9961">18,008</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 75.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 281.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">Excluding members of the Management Board Banking that are also members of the Executive Board of ING Groep N.V.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 291.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">The collective fixed allowances consist of <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 709.52pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="savingsallowance" contextRef="c-1" decimals="INF" name="ing:NumberOfSavingsAllowances" format="ixt-sec:numwordsen" scale="0" id="f-9962">two</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 723.09pt; position: var(--position); text-decoration: none; white-space: pre;"> savings allowances applicable to employees in the Netherlands; an individual savings <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 300.61pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">allowance of <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 609.48pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-23" decimals="3" name="ing:IndividualSavingsAllowancePercentage" scale="-2" id="f-9963">3.5</ix:nonFraction>%<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 627.28pt; position: var(--position); text-decoration: none; white-space: pre;"> and a collective savings allowance to compensate for loss of pension benefits with respect to salary in excess of <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 310.21pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 578.28pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-23" decimals="0" name="ing:CollectiveSavingAllowancesForLossPensionBenefits" format="ixt:num-dot-decimal" scale="0" id="f-9964">114,866</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 607.2pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 319.81pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">3<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">This includes amongst others: housing, school/tuition fees, international health insurance, relocation costs and tax and financial <span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 329.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 562.11pt; position: var(--position); text-decoration: none; white-space: pre;">planning.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 354.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING indemnifies the members of the EB against direct financial losses in connection with claims from third <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 366.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">parties filed, or threatened to be filed, against them by virtue of their service as a member of the EB, as far <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 378.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as permitted by law, on the conditions laid down in the Articles of Association and their commission <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">contract. ING has taken out liability insurance for the members of the EB.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 417.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In accordance with the Articles of Association ING indemnifies the members of the Supervisory Board as far <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 429.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">as legally permitted against direct financial losses in connection with claims from third parties filed or <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 441.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">threatened to be filed against them by virtue of their service as a member of the Supervisory Board.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 468.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Key management personnel compensation is generally included in Staff expenses in the statement of profit <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 480.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">or loss. The total remuneration of the Executive Board and Management Board Banking is disclosed in the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 492.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">table above. Under IFRS, certain components of variable remuneration are not recognised in the statement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 504.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">of profit or loss directly, but are allocated over the vesting period of the award. The comparable amount <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 516.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">recognised in Staff expenses in 2023 relating to the fixed expenses of 2023 and the vesting of variable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 528.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration of earlier performance years, i<span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 754.25pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">s EUR </span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 781.45pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"><ix:nonFraction unitRef="eur" contextRef="c-4616" decimals="-6" name="ing:FixedExpensesAndVestingOfVariableRemunerationExpenses" scale="6" id="f-9965">14</ix:nonFraction></span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 792.71pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;"> million in 20</span><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 849.51pt; position: var(--position); text-decoration: none; white-space: pre;">23 (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 914.0999999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4618" decimals="-6" name="ing:FixedExpensesAndVestingOfVariableRemunerationExpenses" scale="6" id="f-9966">14</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 925.3599999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> million). <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -337<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-9876-4"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The table below shows the total of fixed remuneration, expense allowances and attendance fees for the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board in 2023 and 2022.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 103.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfKeyManagementPersonnelCompensationOfSupervisoryBoardTableTextBlock" id="f-9967" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 395.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Key management personnel compensation (Supervisory Board)<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR thousands<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 395.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 395.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total compensation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 395.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4620" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="f-9968">1,152</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 440.25pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4621" decimals="-3" name="ifrs-full:KeyManagementPersonnelCompensation" format="ixt:num-dot-decimal" scale="3" id="f-9969">1,048</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 165.66pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advance to key management personnel<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 180.06pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As at 31 December 2023 Loans and advances outstanding to key management personnel amounted to EUR <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 194.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4622" decimals="-4" name="ifrs-full:TradeAndOtherReceivablesDueFromRelatedParties" format="ixt:num-dot-decimal" scale="6" id="f-9970">1.7</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 86.07pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 139.4pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4623" decimals="-4" name="ifrs-full:TradeAndOtherReceivablesDueFromRelatedParties" format="ixt:num-dot-decimal" scale="6" id="f-9971">2.7</ix:nonFraction> million<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 185.5pt; position: var(--position); text-decoration: none; white-space: pre;">) and loan commitments to key management personnel amounted to EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 206.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4622" decimals="-3" name="ifrs-full:OutstandingCommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="3" id="f-9972">138</ix:nonFraction> thousand<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 102.03pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 155.36pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4623" decimals="-3" name="ifrs-full:OutstandingCommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions" format="ixt:num-dot-decimal" scale="3" id="f-9973">203</ix:nonFraction>&#160;thousand<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 217.42pt; position: var(--position); text-decoration: none; white-space: pre;">). Total interest received in 2023 on these loans and advances <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 218.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">amounted to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 121.53pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4616" decimals="-3" name="ing:InterestIncomeReceivedFromRelatedParties" format="ixt:num-dot-decimal" scale="3" id="f-9974">30</ix:nonFraction> thousand<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 177.96pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 231.29pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4618" decimals="-3" name="ing:InterestIncomeReceivedFromRelatedParties" format="ixt:num-dot-decimal" scale="3" id="f-9975">62</ix:nonFraction> thousand<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 287.72pt; position: var(--position); text-decoration: none; white-space: pre;">). <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 245.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">These loans and advances and loan commitments (1) were made in the ordinary course of business, (2) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 257.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">were granted on conditions that are comparable to those of loans and advances granted to all employees <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 269.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and (3) did not involve more than the normal risk of collectability or present other unfavourable features. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 281.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Loans and advances to members of the Executive Board and Management Board Banking are compliant <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 293.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">with the standards set out in the DNB guidelines for loans to officers and directors of a regulated entity, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 305.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">such as ING.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 334.46pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Deposits outstanding to key management personnel<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 348.86pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As at 31 December 2023 Deposits outstanding from key management personnel amounted to EUR <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 484.9pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4622" decimals="-5" name="ifrs-full:DepositsFromCustomers" scale="6" id="f-9976">13.9</ix:nonFraction><span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 504.20000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 363.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 123.23pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4623" decimals="-5" name="ifrs-full:DepositsFromCustomers" scale="6" id="f-9977">11.5</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 142.53pt; position: var(--position); text-decoration: none; white-space: pre;"> million). Total interest paid in 2023 on these deposits amounted to EUR <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 375.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4616" decimals="-3" name="ifrs-full:InterestPaidClassifiedAsOperatingActivities" format="ixt:num-dot-decimal" scale="3" id="f-9978">197</ix:nonFraction>&#160;thousand<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 102.03pt; position: var(--position); text-decoration: none; white-space: pre;"> (2022: EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 155.36pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4618" decimals="-3" name="ifrs-full:InterestPaidClassifiedAsOperatingActivities" scale="3" id="f-9979">36</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 166.62pt; position: var(--position); text-decoration: none; white-space: pre;"> thousand).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 404.26pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING shares held by key management personnel<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 418.66pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfSharesAndStockOptionsToKeyManagementPersonnelTableTextBlock" id="f-9980" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 342.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 71.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 71.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 485.25pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 485.25pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Number of ING Groep N.V. shares to key management personnel<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 342.75pt; position: var(--position); top: 14.25pt; width: 142.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 142.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.45pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V. shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 342.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in numbers<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 342.75pt; position: var(--position); top: 27pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 71.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 47.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 414pt; position: var(--position); top: 27pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 71.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 47.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 41.25pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Executive Board members<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 342.75pt; position: var(--position); top: 41.25pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.1pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-4624" decimals="INF" name="ifrs-full:NumberOfSharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-9981">128,241</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414pt; position: var(--position); top: 41.25pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.1pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-4625" decimals="INF" name="ifrs-full:NumberOfSharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-9982">108,217</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 54pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Management Board Banking<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 342.75pt; position: var(--position); top: 54pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.1pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-4626" decimals="INF" name="ifrs-full:NumberOfSharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-9983">262,507</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414pt; position: var(--position); top: 54pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 36.1pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-4627" decimals="INF" name="ifrs-full:NumberOfSharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-9984">294,574</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 66.75pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Supervisory Board members<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 342.75pt; position: var(--position); top: 66.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 46.22pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-4628" decimals="INF" name="ifrs-full:NumberOfSharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-9985">5,295</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414pt; position: var(--position); top: 66.75pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 46.22pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-4629" decimals="INF" name="ifrs-full:NumberOfSharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-9986">5,295</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 79.5pt; width: 342.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 342.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total number of shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 342.75pt; position: var(--position); top: 79.5pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 35.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-4630" decimals="INF" name="ifrs-full:NumberOfSharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-9987">396,043</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 414pt; position: var(--position); top: 79.5pt; width: 71.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 71.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 35.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-4631" decimals="INF" name="ifrs-full:NumberOfSharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-9988">408,086</ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div></ix:continuation><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_337"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfDetailedInformationAboutCapitalManagementExplanatory" id="f-9989" continuedAt="f-9989-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">47&#160;  Capital management<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-9989-1" continuedAt="f-9989-2"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 81.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Objectives<span style="display: inline-block; height: 10.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 98.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Group Treasury (&#8220;GT&#8221;) Balance Sheet &amp; Capital Management, is responsible for maintaining the adequate <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">capitalisation of ING Group and ING Bank entities, to manage the risk associated with ING&#8217;s business <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">activities. This involves not only managing, planning and allocating capital within ING Group, ING Bank and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 136.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">its various entities, but also helping to execute necessary capital market transactions, term (capital) funding <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 148.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">and risk management transactions. ING takes an integrated approach to assess the adequacy of its capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 160.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">position in relation to its risk profile and operating environment. This means GT Balance Sheet &amp; Capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 172.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Management takes into account both regulatory and internal, economic based metrics and requirements as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 184.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">well as the interests of key stakeholders such as shareholders and rating agencies. ING manages capital <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 196.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">using the IFRS-EU equity position as a basis.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 223.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING applies the following main capital definitions:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 235.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Common equity Tier 1 capital (CET1) - is defined as shareholders&#8217; equity less regulatory adjustments. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 248.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">CET1 capital divided by risk-weighted assets equals the CET1 ratio.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 261.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Tier 1 capital &#8211; is defined as CET1 capital plus Additional Tier 1 (hybrid) securities and other regulatory <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 274.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">adjustments. Tier 1 capital divided by risk-weighted assets equals the Tier 1 capital ratio.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 287.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Total capital &#8211; is Tier 1 capital plus subordinated Tier 2 liabilities and regulatory adjustments. Total capital <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 299.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">divided by risk-weighted assets equals the Total capital ratio.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 312.71pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">CET1 ratio target &#8211; is built on the CET1 requirements specified for ING, potential increase in the regulatory <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 325.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">requirement of the Countercyclical Buffer, the potential impact of a standardised and pre-determined <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 338.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">stress scenario and general uncertainties.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 351.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Leverage ratio (LR) &#8211; is defined as Tier 1 capital divided by the leverage exposure.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 363.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Total Loss Absorbing Capacity (TLAC) &#8211; is Total capital plus senior unsecured bonds and amortisations. <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 376.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">TLAC ratios are based on both risk-weighted assets and leverage exposure.&#160; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 389.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">Minimum Required Eligible Liabilities (MREL) &#8211; is Total capital plus senior unsecured bonds and <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 402.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">amortisations. MREL ratios are based on both risk-weighted assets and leverage exposure.&#160;  <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 432.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Capital developments<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 446.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s capital position remained strong despite the challenging geopolitical environment. At both the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 460.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">consolidated and entity level, ING has sufficient buffers to withstand various stressed scenarios.&#160; <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 487.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s CET1 target level of around <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 703.4pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4632" decimals="4" name="ing:CommonEquityTier1AmbitionPercent" scale="-2" id="f-9990">12.50</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 736.9399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> is well above the prevailing Maximum Distributable Amount (MDA) <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 499.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">level of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 589.3pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4632" decimals="4" name="ing:MaximumDistributableAmountTriggerLevel" scale="-2" id="f-9991">10.98</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 622.8399999999999pt; position: var(--position); text-decoration: none; white-space: pre;">, implying a management buffer of about <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 811.05pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4632" decimals="4" name="ing:MaximumDistributableAmountManagementBasisPointsBuffer" scale="-4" id="f-9992">150</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 827.94pt; position: var(--position); text-decoration: none; white-space: pre;"> basis points. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 526.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group&#8217;s capital ratios at the end of the year increased compared to 2022 primarily due to higher net <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 538.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">profit after dividend reserving, coupled with lower risk-weighted assets.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 872.65pt; position: var(--position); text-decoration: none; white-space: pre;"> Besides the regular <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 963.0799999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4633" decimals="2" name="ing:DividendPayOutRatio" scale="-2" id="f-9993">50</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 982.95pt; position: var(--position); text-decoration: none; white-space: pre;"> dividend <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 550.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">distribution, ING distributed an additional EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 761.38pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4634" decimals="-8" name="ifrs-full:DividendsPaid" scale="9" id="f-9994">1.5</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 775.05pt; position: var(--position); text-decoration: none; white-space: pre;"> billion and EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 846.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4635" decimals="-8" name="ifrs-full:DividendsPaid" scale="9" id="f-9995">2.5</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 859.99pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 862.49pt; position: var(--position); text-decoration: none; white-space: pre;">billion as next steps to converge the <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -338<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-9989-2" continuedAt="f-9989-3"><div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">CET1 ratio towards ING&#8217;s CET1 target by 2025. Risk-weighted assets were mainly impacted by volume <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">reduction in Russia-related exposure, currency movements, improvement in book quality and model <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">impacts. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V. has a CET1 ratio of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 193.4pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4632" decimals="3" name="ing:CommonEquityAndFullyLoadedCommonEquityTierOneCapitalPercentage" scale="-2" id="f-9996">14.7</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 221.31pt; position: var(--position); text-decoration: none; white-space: pre;"> at 31 December 2023 versus an overall SREP requirement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 127.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">(including buffer requirements) of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 192.96pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4632" decimals="4" name="ing:MaximumDistributableAmountTriggerLevel" scale="-2" id="f-9997">10.98</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 226.5pt; position: var(--position); text-decoration: none; white-space: pre;">. The Group&#8217;s Tier 1 ratio increased to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 394.36pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4632" decimals="3" name="ing:FullyLoadedCommonEquityTierOneCapitalPercentage" scale="-2" id="f-9998">16.9</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 422.27pt; position: var(--position); text-decoration: none; white-space: pre;">. The Total capital ratio <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 139.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increased from <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 109.92pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4636" decimals="3" name="ing:DecreaseInFullyLoadedCommonEquityTierOneCapitalPercentage" scale="-2" id="f-9999">19.4</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 137.82999999999998pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 140.32999999999998pt; position: var(--position); text-decoration: none; white-space: pre;"> to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 154.65pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4632" decimals="3" name="ing:DecreaseInFullyLoadedCommonEquityTierOneCapitalPercentage" scale="-2" id="f-10000">19.8</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 182.56pt; position: var(--position); text-decoration: none; white-space: pre;"> compared to last year.<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 286.53pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 166.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfCapitalAdequacyTableTextBlock" id="f-10001" continuedAt="f-10001-1" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 381pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 51.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">ING Group capital position according to CRR II / CRD V<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 0pt; position: var(--position); top: 14.25pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 381pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 381pt; position: var(--position); top: 14.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12pt; left: 432.75pt; position: var(--position); top: 14.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.07pt; width: 51.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 28.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 26.25pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 381pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholders&#8217; equity <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 87.42999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381pt; position: var(--position); top: 26.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4637" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10002">51,240</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 26.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4638" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10003">49,909</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 40.5pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 381pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interim profits not included in CET1 capital <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 174.68pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">2<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381pt; position: var(--position); top: 40.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.37pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4639" decimals="-6" sign="-" name="ing:ReservedProfitNotIncludedInCommonEquityTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-10004">2,504</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 40.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.37pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4640" decimals="-6" sign="-" name="ing:ReservedProfitNotIncludedInCommonEquityTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-10005">1,411</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 54.75pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 381pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">- Other adjustments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381pt; position: var(--position); top: 54.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.37pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4637" decimals="-6" sign="-" name="ing:OtherAdjustmentsToRegulatoryCapital" format="ixt:num-dot-decimal" scale="6" id="f-10006">1,880</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 54.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 30.59pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4638" decimals="-6" sign="-" name="ing:OtherAdjustmentsToRegulatoryCapital" scale="6" id="f-10007">537</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 381pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Regulatory adjustments<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381pt; position: var(--position); top: 69pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.37pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4639" decimals="-6" sign="-" name="ing:RegulatoryAdjustments" format="ixt:num-dot-decimal" scale="6" id="f-10008">4,384</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 69pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 23.37pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4640" decimals="-6" sign="-" name="ing:RegulatoryAdjustments" format="ixt:num-dot-decimal" scale="6" id="f-10009">1,948</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 83.25pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 381pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Available common equity Tier 1 capital<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381pt; position: var(--position); top: 83.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4637" decimals="-6" name="ing:CommonEquityTierOneCapitalAmount" format="ixt:num-dot-decimal" scale="6" id="f-10010">46,856</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 83.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4638" decimals="-6" name="ing:CommonEquityTierOneCapitalAmount" format="ixt:num-dot-decimal" scale="6" id="f-10011">47,961</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 113.25pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 381pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Additional Tier 1 securities <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 110.33999999999999pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">3<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381pt; position: var(--position); top: 113.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4637" decimals="-6" name="ing:AdditionalTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-10012">6,983</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 113.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4638" decimals="-6" name="ing:AdditionalTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-10013">6,295</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 127.5pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 381pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Regulatory adjustments additional Tier <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 161.43pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381pt; position: var(--position); top: 127.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4637" decimals="-6" name="ing:AdditionalTierOneRegulatoryAdjustments" scale="6" id="f-10014">59</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 127.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4638" decimals="-6" name="ing:AdditionalTierOneRegulatoryAdjustments" scale="6" id="f-10015">60</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 141.75pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 381pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Available Tier 1 capital<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381pt; position: var(--position); top: 141.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4637" decimals="-6" name="ing:TierOneCapitalAmount" format="ixt:num-dot-decimal" scale="6" id="f-10016">53,898</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 141.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4638" decimals="-6" name="ing:TierOneCapitalAmount" format="ixt:num-dot-decimal" scale="6" id="f-10017">54,316</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 171.75pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 381pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Supplementary capital Tier 2 bonds <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 147.14pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;">4<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381pt; position: var(--position); top: 171.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 26.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4639" decimals="-6" name="ing:SupplementaryCapitalTier2Bonds" format="ixt:num-dot-decimal" scale="6" id="f-10018">9,115</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 171.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 21.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4640" decimals="-6" name="ing:SupplementaryCapitalTier2Bonds" format="ixt:num-dot-decimal" scale="6" id="f-10019">10,046</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 186pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 381pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Regulatory adjustments Tier 2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381pt; position: var(--position); top: 186pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4639" decimals="-6" name="ing:RegulatoryAdjustmentsTier2" scale="6" id="f-10020">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 186pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 35.65pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4640" decimals="-6" sign="-" name="ing:RegulatoryAdjustmentsTier2" scale="6" id="f-10021">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 200.25pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 381pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Available Total capital<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381pt; position: var(--position); top: 200.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4637" decimals="-6" name="ing:Capital1" format="ixt:num-dot-decimal" scale="6" id="f-10022">63,052</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 200.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 20.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4638" decimals="-6" name="ing:Capital1" format="ixt:num-dot-decimal" scale="6" id="f-10023">64,330</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 230.25pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 381pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Risk weighted assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381pt; position: var(--position); top: 230.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.6pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4637" decimals="-6" name="ing:RiskWeightedAssets1" format="ixt:num-dot-decimal" scale="6" id="f-10024">319,169</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 230.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.6pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4638" decimals="-6" name="ing:RiskWeightedAssets1" format="ixt:num-dot-decimal" scale="6" id="f-10025">331,520</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 260.25pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 381pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Common equity Tier 1 ratio<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381pt; position: var(--position); top: 260.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 19.43pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 19.43pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4637" decimals="4" name="ing:CommonEquityTierOneCapitalRatio1" scale="-2" id="f-10026">14.68</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.55pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 260.25pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 19.43pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 19.43pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4638" decimals="4" name="ing:CommonEquityTierOneCapitalRatio1" scale="-2" id="f-10027">14.47</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 42.55pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 274.5pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 381pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Tier 1 ratio<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381pt; position: var(--position); top: 274.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 20.15pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 20.15pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4637" decimals="4" name="ing:TierOneCapitalRatio" scale="-2" id="f-10028">16.89</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 43.26pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 274.5pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 20.15pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 20.15pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4638" decimals="4" name="ing:TierOneCapitalRatio" scale="-2" id="f-10029">16.38</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 43.26pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 288.75pt; width: 381pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 381pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total capital ratio<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381pt; position: var(--position); top: 288.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 20.15pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 20.15pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4637" decimals="4" name="ing:CapitalRatio" scale="-2" id="f-10030">19.76</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 43.26pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432.75pt; position: var(--position); top: 288.75pt; width: 51.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 51.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 20.15pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 20.15pt; position: var(--position);"><ix:nonFraction unitRef="number" contextRef="c-4638" decimals="4" name="ing:CapitalRatio" scale="-2" id="f-10031">19.40</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.71pt;"></span></span><span style="left: 43.26pt; position: var(--position);">%<span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-10001-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 474.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">Shareholders' equity is determined in accordance with IFRS-EU.<span style="display: inline-block; height: 6pt;"></span></span></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 484.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 47.06pt; position: var(--position); text-decoration: none; white-space: pre;">All T2 securities are CRR/CRD V-compliant for 2023.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 509.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">In accordance with the applicable regulation, credit and operational risk models used in the capital ratios <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 521.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">calculations are not audited.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 550.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Distribution<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s distribution policy is a pay-out ratio of <span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 752.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4633" decimals="2" name="ing:DividendPayOutRatio" scale="-2" id="f-10032">50</ix:nonFraction>%<span style="display: inline-block; height: 9pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 772.63pt; position: var(--position); text-decoration: none; white-space: pre;"> of resilient net profit. Resilient net profit is defined as net <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 79.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">profit adjusted for significant items not linked to the normal course of business. The 50% pay-out may be in <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 91.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the form of cash, or a combination of cash and share repurchases, with the majority in cash. Additional <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 103.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">distributions to be considered periodically, taking into account alternative opportunities, macro-economic <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 115.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">circumstances and the outcome of our capital planning.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 142.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">For 2023, the resilient net profit amounts to EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 772.89pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4632" decimals="-6" name="ing:ResilientNetProfit" format="ixt:num-dot-decimal" scale="6" id="f-10033">7,520</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 797.8199999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> million <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 832.75pt; position: var(--position); text-decoration: none; white-space: pre;">(IFRS-EU net result: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 919.78pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-3287" decimals="-6" name="ing:ResilientNetProfit" format="ixt:num-dot-decimal" scale="6" id="f-10034">7,287</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 944.71pt; position: var(--position); text-decoration: none; white-space: pre;"> million)<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 980.3199999999999pt; position: var(--position); text-decoration: none; white-space: pre;">, of which <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 154.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 575.24pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4633" decimals="-6" name="ing:ResilientNetProfitReservedForDistributionOutsideCet1CapitalReflicectingDistributionPolicy" format="ixt:num-dot-decimal" scale="6" id="f-10035">3,760</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 600.17pt; position: var(--position); text-decoration: none; white-space: pre;"> million was reserved for distribution outside of CET1 capital reflecting ING&#8217;s distribution policy of a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4633" decimals="2" name="ing:DividendPayOutRatio" scale="-2" id="f-10036">50</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 574.89pt; position: var(--position); text-decoration: none; white-space: pre;"> pay-out ratio. <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 641.45pt; position: var(--position); text-decoration: none; white-space: pre;">Resilient net profit includes a positive adjustment to the net profit of EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 968.45pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-1" decimals="-6" name="ing:HyperinflationaryAccountingNetProfitLoss" scale="6" id="f-10037">234</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 985.3399999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> million <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 178.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">related to hyperinflation accounting according to IAS 29 in the consolidation of our subsidiary in T&#252;rkiye and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 190.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">the impairment of the goodwill allocated to T&#252;rkiye. <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 217.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Following ING&#8217;s distribution policy of a <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 726.52pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4633" decimals="2" name="ing:DividendPayOutRatio" scale="-2" id="f-10038">50</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 746.39pt; position: var(--position); text-decoration: none; white-space: pre;"> pay-out ratio on resilient net profit: <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 229.31pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">A final dividend over 2022 of EUR <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 719.0600000000001pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-3277" decimals="3" name="ifrs-full:DividendsPaidOrdinarySharesPerShare" scale="0" id="f-10039">0.389</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 743.99pt; position: var(--position); text-decoration: none; white-space: pre;"> per share was paid was paid in May 2023.&#160; <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 242.11pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">An interim dividend over 2023 of EUR <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 737.85pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-4641" decimals="2" name="ifrs-full:DividendsPaidOrdinarySharesPerShare" scale="0" id="f-10040">0.350</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 762.78pt; position: var(--position); text-decoration: none; white-space: pre;"> per share was paid on 14 August 2023.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 254.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">The Board has proposed to pay a final cash dividend over 2023 of EUR <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 883.1700000000001pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eurPerShare" contextRef="c-4632" decimals="3" name="ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare" scale="0" id="f-10041">0.756</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 908.1pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 910.6pt; position: var(--position); text-decoration: none; white-space: pre;">per share. This is subject to <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 267.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">the approval by shareholders at the Annual General Meeting in April 2024.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">In addition to this, ING announced an additional EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 791.22pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4634" decimals="-8" name="ifrs-full:DividendsPaid" scale="9" id="f-10042">1.5</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 804.89pt; position: var(--position); text-decoration: none; white-space: pre;"> billion and EUR <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 876.16pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4635" decimals="-8" name="ifrs-full:DividendsPaid" scale="9" id="f-10043">2.5</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 889.8299999999999pt; position: var(--position); text-decoration: none; white-space: pre;"> billion distribution in 2023:<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 315.51pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">A<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 575.6700000000001pt; position: var(--position); text-decoration: none; white-space: pre;">n additional distribution of EUR <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 716.27pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4634" decimals="-8" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="9" id="f-10044">1.5</ix:nonFraction>&#160;billion<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 758.75pt; position: var(--position); text-decoration: none; white-space: pre;">, by means of a share buyback programme, was announced <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 328.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">on 11 May 2023. Between 11 May 2023 and 13 October 2023, <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 847.26pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-4634" decimals="-5" name="ing:ShareBuybackProgrammeShares" scale="6" id="f-10045">121.3</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 872.19pt; position: var(--position); text-decoration: none; white-space: pre;"> million of ordinary shares have been <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 341.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">repurchased with a total consideration of EUR <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 776.23pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4634" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-10046">1,566</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 801.1600000000001pt; position: var(--position); text-decoration: none; white-space: pre;"> million.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 16pt; line-height: 16pt; position: var(--position); top: 353.91pt; width: 1080pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 16pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">&#8226;<span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">An additional distribution of EUR <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 716.27pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4635" decimals="-8" name="ifrs-full:DividendsPaid" scale="9" id="f-10047">2.5</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 729.94pt; position: var(--position); text-decoration: none; white-space: pre;"> billion, by means of a share buyback programme, was announced <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 366.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">on 2 November 2023. Between 3 November 2023 and 5 February 2024, <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 889.78pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="shares" contextRef="c-4635" decimals="-5" name="ing:ShareBuybackProgrammeShares" scale="6" id="f-10048">194.8</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 914.71pt; position: var(--position); text-decoration: none; white-space: pre;"> million of ordinary shares <span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 379.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 569.22pt; position: var(--position); text-decoration: none; white-space: pre;">have been repurchased with a total consideration of EUR <span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 825.32pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4635" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-10049">2,508</ix:nonFraction><span style="display: inline-block; height: 12pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 850.25pt; position: var(--position); text-decoration: none; white-space: pre;"> million.<span style="display: inline-block; height: 12pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 409.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">Processes for managing capital<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 423.71pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">GT Balance Sheet &amp; Capital Management ensures adherence to ING&#8217;s solvency risk appetite statements by </span><span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 438.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">planning and executing capital management transactions. The ongoing assessment and monitoring of </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 450.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">capital adequacy is embedded in the capital planning process as part of the ICAAP framework. As part of the </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 462.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">dynamic business planning process, ING prepares a capital and funding plan on a regular basis for all its </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 474.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">material businesses and assesses continuously the timing, need and feasibility for capital management </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 486.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">actions in scope of its execution strategy. Sufficient financial flexibility should be preserved to meet </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 498.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">important financial objectives. Risk appetite statements are at the foundation of the capital plan and are </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 510.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">cascaded to the different businesses in line with ING&#8217;s risk management framework. Contingency capital </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 522.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">measures and early warning indicators are in place in conjunction with ING&#8217;s contingency and recovery plan </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 534.11pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">to support the strategy in times of stress.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div></div></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -339<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-9989-3"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">Adverse planning and stress testing, which reflect the outcome of the annual risk assessment, are integral </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 76.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">components of ING&#8217;s risk and capital management framework. It allows to (i) identify and assess potential </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 88.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">vulnerabilities in ING&#8217;s businesses, business model, portfolios or operating environment; (ii) understand the </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 100.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">sensitivities of the core assumptions used in ING&#8217;s strategic and capital plan; and (iii) improve decision-</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 112.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">making and business steering through balancing risk and return following a forward looking and prudent </span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 124.91pt; width: 1080pt;"><span style="background-color: #ffffff; color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;"><span style="background-color: inherit;">management approach.</span><span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 151.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Regulatory requirements<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 166.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Capital adequacy and the use of required regulatory capital are based on the guidelines developed by the <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 180.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Basel Committee on Banking Supervision (The Basel Committee) and the European Union Directives, as <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 192.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">implemented by the Dutch Central Bank and the ECB for supervisory purposes. In 2010, the Basel Committee <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 204.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">issued new solvency and liquidity requirements that superseded Basel II, implemented in the EU via CRR / <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 216.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">CRD. In accordance with the CRR the minimum Pillar 1 capital requirements applicable to ING Group are: a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 228.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">CET1 ratio of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 98.83pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4642" decimals="3" name="ing:TransitionalCommonEquityTierOneCapitalRequiredPercentage" scale="-2" id="f-10050">4.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 121.11pt; position: var(--position); text-decoration: none; white-space: pre;">, a Tier 1 ratio of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 195.81pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4632" decimals="2" name="ing:MinimumTierOneCapitalRequirement" scale="-2" id="f-10051">6.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 218.09pt; position: var(--position); text-decoration: none; white-space: pre;"> and a Total capital ratio of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 340.49pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4632" decimals="2" name="ing:MinimumCapitalRatioRequired" scale="-2" id="f-10052">8.0</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 362.77pt; position: var(--position); text-decoration: none; white-space: pre;"> of risk-weighted assets.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 255.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The overall SREP CET1 requirement (including buffer requirements) for ING Group at a consolidated level <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 267.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">increased during 2023 due to changes in the Countercyclical Buffer and was <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 382.07000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4643" decimals="4" name="ing:TransitionalCommonEquityTierOneCapitalRequiredPercentage" scale="-2" id="f-10053">10.98</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 415.61pt; position: var(--position); text-decoration: none; white-space: pre;"> at the end of December <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 279.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">2023. This requirement is the sum of a <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 214.04pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4642" decimals="3" name="ing:TransitionalCommonEquityTierOneCapitalRequiredPercentage" scale="-2" id="f-10054">4.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 236.32pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 238.82pt; position: var(--position); text-decoration: none; white-space: pre;"> Pillar I requirement, a <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 339.17999999999995pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4644" decimals="4" name="ing:TransitionalCommonEquityTierOneCapitalRequiredPercentage" scale="-2" id="f-10055">0.98</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 367.09000000000003pt; position: var(--position); text-decoration: none; white-space: pre;"> Pillar II requirement, a <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 469.94000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4645" decimals="INF" name="ing:TransitionalCommonEquityTierOneCapitalRequiredPercentage" scale="-2" id="f-10056">2.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 492.22pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 291.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Capital Conservation Buffer (CCB), a <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 200.12pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4646" decimals="4" name="ing:TransitionalCommonEquityTierOneCapitalRequiredPercentage" scale="-2" id="f-10057">0.50</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 228.03pt; position: var(--position); text-decoration: none; white-space: pre;"> Countercyclical Buffer (CCyB) and a <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 390.28999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4647" decimals="3" name="ing:TransitionalCommonEquityTierOneCapitalRequiredPercentage" scale="-2" id="f-10058">2.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 412.57000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> O-SII (Other <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 303.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Systemically Important Institutions) buffer that is set separately for Dutch systemic banks by the Dutch <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 315.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Central Bank (De Nederlandsche Bank). This requirement excludes the Pillar II guidance, which is not <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 327.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">disclosed.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 354.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The Maximum Distributable Amount (MDA) trigger level stood at <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 328.74pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4648" decimals="4" name="ing:MdaTriggerCet1" scale="-2" id="f-10059">10.98</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 362.28pt; position: var(--position); text-decoration: none; white-space: pre;"> in 4Q2023 for CET1, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 454.53999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4648" decimals="4" name="ing:MdaTriggerTier1Capital" scale="-2" id="f-10060">12.81</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 488.08000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"> for Tier <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 366.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1 Capital and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 101.15pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4648" decimals="4" name="ing:MdaTriggerTotalCapital" scale="-2" id="f-10061">15.25</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 134.69pt; position: var(--position); text-decoration: none; white-space: pre;"> for Total Capital. These MDA levels are in line with the application of Art.104a in CRD V, <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 378.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">which allows ING to partly fulfill the total Pillar II requirement (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 316.57000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4632" decimals="4" name="ing:TotalPillarIiRequirementPercent" scale="-2" id="f-10062">1.75</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 344.48pt; position: var(--position); text-decoration: none; white-space: pre;">) with Additional Tier 1 and Tier 2 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 390.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">capital. As per 1 January 2024, the Pillar II requirement is <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 296.73pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4649" decimals="4" name="ing:TotalPillarIiRequirementPercent" scale="-2" id="f-10063">1.65</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 324.64pt; position: var(--position); text-decoration: none; white-space: pre;">. As per 1 January 2023 a MDA requirement <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 402.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">on the leverage ratio of <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 146.98000000000002pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="number" contextRef="c-4650" decimals="3" name="ing:MDARequirementOnLeverageRatio" scale="-2" id="f-10064">3.5</ix:nonFraction>%<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 169.26pt; position: var(--position); text-decoration: none; white-space: pre;"> applies to ING Group. In the event that ING Group breaches an MDA level, ING <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 414.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">may face restrictions on dividend payments, coupons on AT1 securities and payment of variable <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 426.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">remuneration.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 455.71pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Ratings<span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 470.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">ING&#8217;s credit ratings and outlook are shown in the table below. Each of these ratings reflects only the view of <span style="display: inline-block; height: 9pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 484.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">the applicable rating agency at the time the rating was issued, and any explanation of the significance of a <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 496.51pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">rating may be obtained only from the rating agency.<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ing:DisclosureOfCreditRatingTableTextBlock" id="f-10065" continuedAt="f-10065-1" escape="true"><div style="left: 555.02pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 282pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 67.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 67.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 67.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.75pt; width: 484.5pt;"><span style="color: #ffffff; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 6.6pt; position: var(--position); text-decoration: none; white-space: pre;">Main credit ratings of ING at 31 December 2023<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 282pt; position: var(--position); top: 14.25pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 48.64pt; position: var(--position); text-decoration: none; white-space: pre;">S&amp;P<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 14.25pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 30.32pt; position: var(--position); text-decoration: none; white-space: pre;">Moody&#8217;s<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 417pt; position: var(--position); top: 14.25pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 44.44pt; position: var(--position); text-decoration: none; white-space: pre;">Fitch<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 282pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 282pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">ING Groep N.V.<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 41.25pt; width: 282pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 282pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Issuer rating<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 54pt; width: 282pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 282pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Long-term<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 282pt; position: var(--position); top: 54pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 55.72pt; position: var(--position); text-decoration: none; white-space: pre;">A-<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 54pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 51.66pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 417pt; position: var(--position); top: 54pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 54.01pt; position: var(--position); text-decoration: none; white-space: pre;">A+<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 66.75pt; width: 282pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 282pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Short-term<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 282pt; position: var(--position); top: 66.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 50.66pt; position: var(--position); text-decoration: none; white-space: pre;">A-2<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 66.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 51.66pt; position: var(--position); text-decoration: none; white-space: pre;">n/a<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 417pt; position: var(--position); top: 66.75pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 55.56pt; position: var(--position); text-decoration: none; white-space: pre;">F1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 79.5pt; width: 282pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 282pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Outlook<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 282pt; position: var(--position); top: 79.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.93pt; position: var(--position); text-decoration: none; white-space: pre;">Stable<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 79.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.32pt; position: var(--position); text-decoration: none; white-space: pre;">Stable<span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 58.260000000000005pt; position: var(--position); text-decoration: none; top: -2.3625pt; vertical-align: super; white-space: pre;"> 1)<span style="display: inline-block; height: 4.3875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 417pt; position: var(--position); top: 79.5pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 39.93pt; position: var(--position); text-decoration: none; white-space: pre;">Stable<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 92.25pt; width: 282pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 282pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Senior unsecured rating<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 282pt; position: var(--position); top: 92.25pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 55.72pt; position: var(--position); text-decoration: none; white-space: pre;">A-<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 349.5pt; position: var(--position); top: 92.25pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 44.59pt; position: var(--position); text-decoration: none; white-space: pre;">Baa1<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ededed; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 417pt; position: var(--position); top: 92.25pt; width: 67.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 67.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 54.01pt; position: var(--position); text-decoration: none; white-space: pre;">A+<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><ix:continuation id="f-10065-1"><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 176.41pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">1 Outlook refers to the senior unsecured rating.<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 201.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">A security rating is not a recommendation to buy, sell or hold securities and each rating should be <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 213.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">evaluated independently of other ratings. There is no assurance that any credit rating will remain in effect <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 225.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for any given period of time or that a rating will not be lowered, suspended or withdrawn entirely by the <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 237.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">rating agency if, in the rating agency&#8217;s judgment, circumstances so warrant. ING accepts no responsibility <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 249.01pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 555.02pt; position: var(--position); text-decoration: none; white-space: pre;">for the accuracy or reliability of the ratings.<span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -340<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_340"></div><div style="font-size: 14pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">48 <span style="display: inline-block; height: 10.5pt;"></span></span><ix:nonNumeric contextRef="c-1" name="srt:CondensedFinancialStatementsTextBlock" id="f-10066" continuedAt="f-10066-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 59.65pt; position: var(--position); text-decoration: none; white-space: pre;">Condensed financial information of the parent company<span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-10066-1" continuedAt="f-10066-2"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 98.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="srt:ScheduleOfCondensedBalanceSheetTableTextBlock" id="f-10067" continuedAt="f-10067-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Parent company condensed statement of financial position<span style="display: inline-block; height: 9pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-10067-1"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 128.11pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">as at 31&#160;December before appropriation of result<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 140.11pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 1002.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 387.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 387.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45.75pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387.75pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 432.75pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 911.25pt; position: var(--position); top: 14.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.92pt; width: 45.75pt;"><span style="color: #ff6200; font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.12pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.09pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 957pt; position: var(--position); top: 14.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.92pt; width: 45.75pt;"><span style="color: #ff6200; font-family: Times New Roman; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.12pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.09pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 523.5pt; position: var(--position); top: 27pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Investments in group companies <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387.75pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.91pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:InvestmentsInSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="f-10068">43,687</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 432.75pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.91pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:InvestmentsInSubsidiaries" format="ixt:num-dot-decimal" scale="6" id="f-10069">49,192</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 523.5pt; position: var(--position); top: 39.75pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share capital<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 911.25pt; position: var(--position); top: 39.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:IssuedCapital" scale="6" id="f-10070">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 957pt; position: var(--position); top: 39.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:IssuedCapital" scale="6" id="f-10071">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Fixed assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387.75pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.01pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:NoncurrentAssets" format="ixt:num-dot-decimal" scale="6" id="f-10072">43,687</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 432.75pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.01pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:NoncurrentAssets" format="ixt:num-dot-decimal" scale="6" id="f-10073">49,192</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 523.5pt; position: var(--position); top: 52.5pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share premium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 911.25pt; position: var(--position); top: 52.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-10074">17,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 957pt; position: var(--position); top: 52.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:SharePremium" format="ixt:num-dot-decimal" scale="6" id="f-10075">17,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 523.5pt; position: var(--position); top: 65.25pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Legal and statutory reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 911.25pt; position: var(--position); top: 65.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.59pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" sign="-" name="ifrs-full:StatutoryReserve" scale="6" id="f-10076">773</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 957pt; position: var(--position); top: 65.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 24.59pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" sign="-" name="ifrs-full:StatutoryReserve" scale="6" id="f-10077">986</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 387.75pt;"><div><div style="line-height: 10pt; position: var(--position); top: 2.63pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Receivables from group companies<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 5.8500000000000005pt; font-style: normal; font-weight: normal; left: 143.29999999999998pt; position: var(--position); text-decoration: none; top: -2.625pt; vertical-align: super; white-space: pre;"> <span style="display: inline-block; height: 4.875pt;"></span></span><span style="font-family: ING Me; font-size: 6.5pt; font-style: normal; font-weight: normal; left: 144.76pt; position: var(--position); top: -2.625pt; vertical-align: super; white-space: pre;">1<span style="display: inline-block; height: 4.875pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387.75pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.91pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:CurrentReceivablesDueFromAssociates" format="ixt:num-dot-decimal" scale="6" id="f-10078">70,524</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 432.75pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.91pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:CurrentReceivablesDueFromAssociates" format="ixt:num-dot-decimal" scale="6" id="f-10079">65,704</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 523.5pt; position: var(--position); top: 78pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 911.25pt; position: var(--position); top: 78pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-10080">35,761</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 957pt; position: var(--position); top: 78pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:OtherReserves" format="ixt:num-dot-decimal" scale="6" id="f-10081">29,002</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387.75pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.25pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:OtherCurrentAssets" scale="6" id="f-10082">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 432.75pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.25pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:OtherCurrentAssets" scale="6" id="f-10083">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 523.5pt; position: var(--position); top: 90.75pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unappropriated result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 911.25pt; position: var(--position); top: 90.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.72pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-10084">2,544</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 957pt; position: var(--position); top: 90.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:RetainedEarnings" format="ixt:num-dot-decimal" scale="6" id="f-10085">11,331</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 103.5pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Current assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387.75pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.01pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:CurrentAssets" format="ixt:num-dot-decimal" scale="6" id="f-10086">70,535</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 432.75pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.01pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:CurrentAssets" format="ixt:num-dot-decimal" scale="6" id="f-10087">65,720</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 523.5pt; position: var(--position); top: 103.5pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 911.25pt; position: var(--position); top: 103.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10088">54,684</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 957pt; position: var(--position); top: 103.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10089">56,500</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 523.5pt; position: var(--position); top: 129pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 523.5pt; position: var(--position); top: 141.75pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Subordinated loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 911.25pt; position: var(--position); top: 141.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10090">16,330</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 957pt; position: var(--position); top: 141.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:SubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10091">16,441</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 523.5pt; position: var(--position); top: 154.5pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Debenture loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 911.25pt; position: var(--position); top: 154.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:NotesAndDebenturesIssued" format="ixt:num-dot-decimal" scale="6" id="f-10092">42,569</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 957pt; position: var(--position); top: 154.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.66pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:NotesAndDebenturesIssued" format="ixt:num-dot-decimal" scale="6" id="f-10093">41,609</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 523.5pt; position: var(--position); top: 168.75pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other non-current liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 911.25pt; position: var(--position); top: 168.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:OtherNoncurrentLiabilities" scale="6" id="f-10094">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 957pt; position: var(--position); top: 168.75pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.06pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:OtherNoncurrentLiabilities" scale="6" id="f-10095">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 523.5pt; position: var(--position); top: 181.5pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Non-current liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 911.25pt; position: var(--position); top: 181.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:NoncurrentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10096">58,899</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 957pt; position: var(--position); top: 181.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.76pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:NoncurrentLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10097">58,051</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 523.5pt; position: var(--position); top: 207pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Amounts owed to group companies<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 911.25pt; position: var(--position); top: 207pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:TradeAndOtherCurrentPayablesToRelatedParties" scale="6" id="f-10098">56</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 957pt; position: var(--position); top: 207pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:TradeAndOtherCurrentPayablesToRelatedParties" scale="6" id="f-10099">56</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 523.5pt; position: var(--position); top: 221.25pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 911.25pt; position: var(--position); top: 221.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:OtherCurrentLiabilities" scale="6" id="f-10100">584</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 957pt; position: var(--position); top: 221.25pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 27.94pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:OtherCurrentLiabilities" scale="6" id="f-10101">305</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 523.5pt; position: var(--position); top: 234pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Current liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 911.25pt; position: var(--position); top: 234pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.4pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:CurrentLiabilities" scale="6" id="f-10102">639</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 957pt; position: var(--position); top: 234pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 27.4pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:CurrentLiabilities" scale="6" id="f-10103">360</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 259.5pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total assets<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 387.75pt; position: var(--position); top: 259.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 8.77pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-10104">114,222</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 432.75pt; position: var(--position); top: 259.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 8.77pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:Assets" format="ixt:num-dot-decimal" scale="6" id="f-10105">114,912</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 523.5pt; position: var(--position); top: 259.5pt; width: 387.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 387.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total equity and liabilities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 911.25pt; position: var(--position); top: 259.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.52pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:EquityAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10106">114,222</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 957pt; position: var(--position); top: 259.5pt; width: 45.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 9.52pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:EquityAndLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10107">114,912</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div><div style="font-size: 12pt; line-height: 8pt; position: var(--position); top: 432.36pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">1 Receivables from Group companies include EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 218.1pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4653" decimals="-6" name="ifrs-full:CurrentReceivablesDueFromAssociates" format="ixt:num-dot-decimal" scale="6" id="f-10108">16,330</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 242.52pt; position: var(--position); text-decoration: none; white-space: pre;"> million subordinated loans provided by ING Groep N.V. to ING Bank N.V. (<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 502.01pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 520.01pt; position: var(--position); text-decoration: none; white-space: pre;">: EUR <span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 540.1pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4654" decimals="-6" name="ifrs-full:CurrentReceivablesDueFromAssociates" format="ixt:num-dot-decimal" scale="6" id="f-10109">16,441</ix:nonFraction><span style="display: inline-block; height: 6pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 8pt; font-style: normal; font-weight: normal; left: 564.52pt; position: var(--position); text-decoration: none; white-space: pre;"> million).<span style="display: inline-block; height: 6pt;"></span></span></div></ix:continuation></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -341<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_343"></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="srt:ScheduleOfCondensedIncomeStatementTableTextBlock" id="f-10110" continuedAt="f-10110-1" escape="true"><ix:continuation id="f-10066-2" continuedAt="f-10066-3"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Parent company condensed statement of profit or loss<span style="display: inline-block; height: 9pt;"></span></span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-10110-1"><ix:continuation id="f-10066-3" continuedAt="f-10066-4"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 98.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for the years ended 31&#160;December<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 110.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 484.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 349.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 14.25pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 349.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 14.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 21.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 27pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 349.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Staff expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.31pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" scale="6" id="f-10111">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.31pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" scale="6" id="f-10112">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 27pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.31pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:EmployeeBenefitsExpense" scale="6" id="f-10113">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 349.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.31pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:OtherExpenseByNature" scale="6" id="f-10114">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.31pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:OtherExpenseByNature" scale="6" id="f-10115">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 39.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.31pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:OtherExpenseByNature" scale="6" id="f-10116">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 52.5pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 349.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:ExpenseByNature" scale="6" id="f-10117">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:ExpenseByNature" scale="6" id="f-10118">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 52.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:ExpenseByNature" scale="6" id="f-10119">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 349.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest and other financial income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:InterestIncomeOnOtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-10120">2,003</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:InterestIncomeOnOtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-10121">1,466</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 78pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:InterestIncomeOnOtherFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-10122">1,148</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 349.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Valuation results<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.31pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ing:ValuationGainLoss" scale="6" id="f-10123">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 33.96pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" sign="-" name="ing:ValuationGainLoss" scale="6" id="f-10124">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 90.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.31pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ing:ValuationGainLoss" scale="6" id="f-10125">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 103.5pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 349.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Interest and other financial expenses<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.62pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:InterestExpenseOnOtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10126">1,828</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.62pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:InterestExpenseOnOtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10127">1,450</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 103.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 16.62pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:InterestExpenseOnOtherFinancialLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10128">1,143</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 116.25pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 349.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net interest and other financial income<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 26.65pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ing:InterestAndOtherIncomeExpense" scale="6" id="f-10129">174</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 31.89pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ing:InterestAndOtherIncomeExpense" scale="6" id="f-10130">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 116.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ing:InterestAndOtherIncomeExpense" scale="6" id="f-10131">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 141.75pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 349.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 141.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 26.65pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-10132">167</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 141.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-10133">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 141.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 33.65pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-10134">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 154.5pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 349.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 32.25pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-10135">43</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.31pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-10136">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 154.5pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 37.31pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:IncomeTaxExpenseContinuingOperations" scale="6" id="f-10137">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 167.25pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 349.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result after tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 167.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 26.65pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" scale="6" id="f-10138">124</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 167.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 37.13pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:ProfitLossFromContinuingOperations" scale="6" id="f-10139">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 167.25pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 33.65pt; position: var(--position); text-decoration: none; white-space: pre;">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" sign="-" name="ifrs-full:ProfitLossFromContinuingOperations" scale="6" id="f-10140">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 180pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 349.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result from (disposal of) group companies and participating interests after taxation<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-10141">4,016</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.91pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-10142">12,121</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 180pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 19.97pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:ProfitLossFromDiscontinuedOperations" format="ixt:num-dot-decimal" scale="6" id="f-10143">5,954</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 192.75pt; width: 349.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 349.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 349.5pt; position: var(--position); top: 192.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.25pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-10144">4,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 394.5pt; position: var(--position); top: 192.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 14.01pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-10145">12,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 192.75pt; width: 45pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 45pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 19.25pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-10146">5,951</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -342<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_346"></div><div style="font-size: 12pt; line-height: 27pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="srt:ScheduleOfCondensedFinancialStatementsTableTextBlock" id="f-10147" continuedAt="f-10147-1" escape="true"><ix:continuation id="f-10066-4" continuedAt="f-10066-5"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Parent company condensed statement of changes in equity<span style="display: inline-block; height: 20.25pt;"></span></span><span style="color: #ff6200; font-family: ING Me; font-size: 27pt; font-style: normal; font-weight: normal; left: 369.45000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 20.25pt;"></span></span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-10147-1" continuedAt="f-10147-2"><ix:continuation id="f-10066-5" continuedAt="f-10066-6"><div style="position: var(--position); top: 112.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 998.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 537pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 75.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 75.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 80.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 76.5pt;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 14.25pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 537pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 537pt; position: var(--position); top: 14.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.94pt; position: var(--position); text-decoration: none; white-space: pre;">Share capital<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 612.75pt; position: var(--position); top: 14.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.91pt; position: var(--position); text-decoration: none; white-space: pre;">Share premium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 688.5pt; position: var(--position); top: 14.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.22pt; position: var(--position); text-decoration: none; white-space: pre;">Legal and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.22pt; position: var(--position); text-decoration: none; white-space: pre;">statutory reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 768.75pt; position: var(--position); top: 14.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 15.22pt; position: var(--position); text-decoration: none; white-space: pre;">Other reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 845.25pt; position: var(--position); top: 14.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.37pt; position: var(--position); text-decoration: none; white-space: pre;">Unappropriated <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 47.12pt; position: var(--position); text-decoration: none; white-space: pre;">results<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 921.75pt; position: var(--position); top: 14.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 53.8pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 38.25pt; width: 537pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance as at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 60.36pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 537pt; position: var(--position); top: 38.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.64pt;"></span></span><span style="left: 62.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4658" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-10148">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 612.75pt; position: var(--position); top: 38.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.85pt;"></span></span><span style="left: 44.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4659" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10149">17,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 38.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.42pt;"></span></span><span style="left: 58.050000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4660" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-10150">986</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 38.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.51pt;"></span></span><span style="left: 45.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4661" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10151">29,002</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 38.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.51pt;"></span></span><span style="left: 45.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4662" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10152">11,331</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 38.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.51pt;"></span></span><span style="left: 45.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10153">56,500</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 63.75pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised and unrealised revaluations of equity securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 63.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.15pt;"></span></span><span style="left: 63.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4663" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-10154">34</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 63.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.46pt;"></span></span><span style="left: 65.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4664" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-10155">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 63.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.4pt;"></span></span><span style="left: 60.03pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-10156">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 76.5pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unrealised revaluations debt instruments and other revaluations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 76.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.5pt;"></span></span><span style="left: 67.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4663" decimals="-6" name="ing:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInDebtSecurities" scale="6" id="f-10157">53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 76.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 76.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 76.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.75pt;"></span></span><span style="left: 63.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ing:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInDebtSecurities" scale="6" id="f-10158">53</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 89.25pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised gains/losses transferred to the statement of profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 89.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.56pt;"></span></span><span style="left: 72.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4663" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-10159">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 89.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 89.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.81pt;"></span></span><span style="left: 68.44pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" sign="-" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-10160">9</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 102pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in cash flow hedge reserve<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 102pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.44pt;"></span></span><span style="left: 62.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4663" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" scale="6" id="f-10161">997</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 102pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 102pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" scale="6" id="f-10162">997</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 114.75pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Change in fair value of own credit risk of financial liabilities at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 114.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.15pt;"></span></span><span style="left: 63.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4663" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-10163">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 114.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 114.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.4pt;"></span></span><span style="left: 60.03pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-10164">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 127.5pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised and unrealised revaluations property in own use<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 127.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 69.56pt;"></span></span><span style="left: 72.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4663" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-10165">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 127.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.81pt;"></span></span><span style="left: 68.44pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4664" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-10166">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 127.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60.75pt;"></span></span><span style="left: 63.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-10167">10</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 140.25pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remeasurement of the net defined benefit asset/liability<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 140.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.15pt;"></span></span><span style="left: 63.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4663" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-10168">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 140.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 140.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.4pt;"></span></span><span style="left: 60.03pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-10169">85</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 153pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences and other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 153pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.09pt;"></span></span><span style="left: 58.720000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4663" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-10170">132</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 153pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 153pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.34pt;"></span></span><span style="left: 54.970000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-10171">132</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 165.75pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total amount recognised directly in equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 165.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.9pt;"></span></span><span style="left: 61.53pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4663" decimals="-6" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-10172">770</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 165.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.63pt;"></span></span><span style="left: 68.25999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4664" decimals="-6" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-10173">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 165.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 165.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.15pt;"></span></span><span style="left: 57.78pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-10174">776</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 178.5pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 178.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.44pt;"></span></span><span style="left: 62.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4663" decimals="-6" name="ifrs-full:ProfitLoss" scale="6" id="f-10175">336</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 178.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 178.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4665" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-10176">3,804</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 178.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-10177">4,140</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 191.25pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total comprehensive income net of tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 191.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.5pt;"></span></span><span style="left: 54.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4663" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10178">1,106</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 191.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.63pt;"></span></span><span style="left: 68.25999999999999pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4664" decimals="-6" name="ifrs-full:ComprehensiveIncome" scale="6" id="f-10179">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 191.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.75pt;"></span></span><span style="left: 50.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4665" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10180">3,804</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 191.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.75pt;"></span></span><span style="left: 50.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10181">4,916</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 216.75pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfer from Unappropriated result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 216.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.72pt; width: 80.25pt;"><span style="color: #ff0090; font-family: Arial; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 6.55pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 216.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.47pt;"></span></span><span style="left: 51.1pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4664" decimals="-6" name="ing:TransferOfEquity" format="ixt:num-dot-decimal" scale="6" id="f-10182">9,923</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 216.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.12pt;"></span></span><span style="left: 47.75pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4665" decimals="-6" sign="-" name="ing:TransferOfEquity" format="ixt:num-dot-decimal" scale="6" id="f-10183">9,923</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 216.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" xsi:nil="true" name="ing:TransferOfEquity" id="f-10184"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 229.5pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividends and other distributions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 229.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.72pt; width: 80.25pt;"><span style="color: #ff0090; font-family: Arial; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 6.55pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 229.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 229.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.12pt;"></span></span><span style="left: 47.75pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4665" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-10185">2,668</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 229.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.12pt;"></span></span><span style="left: 47.75pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-10186">2,668</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 242.25pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share buyback<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 537pt; position: var(--position); top: 242.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.71pt;"></span></span><span style="left: 64.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4666" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" scale="6" id="f-10187">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 242.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.72pt; width: 80.25pt;"><span style="color: #ff0090; font-family: Arial; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 6.55pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 242.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.12pt;"></span></span><span style="left: 47.75pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4664" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-10188">3,998</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 242.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 242.25pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.12pt;"></span></span><span style="left: 47.75pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-10189">4,000</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 255pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in treasury shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 255pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.72pt; width: 80.25pt;"><span style="color: #ff0090; font-family: Arial; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 6.55pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 255pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.46pt;"></span></span><span style="left: 65.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4664" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions" scale="6" id="f-10190">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 255pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 255pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.46pt;"></span></span><span style="left: 65.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions" scale="6" id="f-10191">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 267.75pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Employee share plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 267.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.62pt;"></span></span><span style="left: 77.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 267.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.46pt;"></span></span><span style="left: 65.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4664" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-10192">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 267.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 267.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 62.46pt;"></span></span><span style="left: 65.09pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-10193">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 280.5pt; width: 537pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in the composition of the group and other changes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 688.5pt; position: var(--position); top: 280.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.09pt;"></span></span><span style="left: 58.720000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4663" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-10194">892</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 768.75pt; position: var(--position); top: 280.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.69pt;"></span></span><span style="left: 58.32pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4664" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-10195">842</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 845.25pt; position: var(--position); top: 280.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.87pt;"></span></span><span style="left: 73.5pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 921.75pt; position: var(--position); top: 280.5pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 57.4pt;"></span></span><span style="left: 60.03pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-10196">50</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 73.5pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 294.75pt; width: 537pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 2.44pt; width: 537pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance as at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 60.36pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 537pt; position: var(--position); top: 294.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.64pt;"></span></span><span style="left: 62.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4667" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-10197">35</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 612.75pt; position: var(--position); top: 294.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.85pt;"></span></span><span style="left: 44.480000000000004pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4668" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10198">17,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 688.5pt; position: var(--position); top: 294.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.42pt;"></span></span><span style="left: 58.050000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4669" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-10199">773</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 768.75pt; position: var(--position); top: 294.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.51pt;"></span></span><span style="left: 45.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4670" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10200">35,761</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 294.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.75pt;"></span></span><span style="left: 50.38pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4671" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10201">2,544</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921.75pt; position: var(--position); top: 294.75pt; width: 76.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 76.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.51pt;"></span></span><span style="left: 45.14pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10202">54,684</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 73.58999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -343<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><ix:continuation id="f-10147-2" continuedAt="f-10147-3"><ix:continuation id="f-10066-6" continuedAt="f-10066-7"><div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Parent company condensed statement of changes in equity - continued<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 94.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 539.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 75.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 75.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 80.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 75.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 75.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 15.75pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 539.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 539.25pt; position: var(--position); top: 15.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.94pt; position: var(--position); text-decoration: none; white-space: pre;">Share capital<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 615pt; position: var(--position); top: 15.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.91pt; position: var(--position); text-decoration: none; white-space: pre;">Share premium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 690.75pt; position: var(--position); top: 15.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.22pt; position: var(--position); text-decoration: none; white-space: pre;">Legal and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.22pt; position: var(--position); text-decoration: none; white-space: pre;">statutory reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 771pt; position: var(--position); top: 15.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.47pt; position: var(--position); text-decoration: none; white-space: pre;">Other reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 846.75pt; position: var(--position); top: 15.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.62pt; position: var(--position); text-decoration: none; white-space: pre;">Unappropriated <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 46.37pt; position: var(--position); text-decoration: none; white-space: pre;">results<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 922.5pt; position: var(--position); top: 15.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 54.55pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 539.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance as at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 60.36pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 539.25pt; position: var(--position); top: 39.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.64pt;"></span></span><span style="left: 62.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4672" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-10203">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 615pt; position: var(--position); top: 39.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.76pt;"></span></span><span style="left: 44.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4673" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10204">17,105</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 39.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.5pt;"></span></span><span style="left: 54.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4674" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10205">1,073</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 39.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.76pt;"></span></span><span style="left: 44.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4675" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10206">28,909</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 39.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47pt;"></span></span><span style="left: 49.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4676" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10207">4,940</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 39.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.26pt;"></span></span><span style="left: 45.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4677" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10208">52,066</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised and unrealised revaluations of equity securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 65.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.15pt;"></span></span><span style="left: 63.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4678" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-10209">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 65.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.65pt;"></span></span><span style="left: 59.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4679" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-10210">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 65.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.09pt;"></span></span><span style="left: 55.720000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-10211">118</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unrealised revaluations debt instruments and other revaluations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 78pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.09pt;"></span></span><span style="left: 58.720000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4678" decimals="-6" sign="-" name="ing:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInDebtSecurities" scale="6" id="f-10212">413</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 78pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 78pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 78pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.09pt;"></span></span><span style="left: 55.720000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" sign="-" name="ing:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInDebtSecurities" scale="6" id="f-10213">413</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised gains/losses transferred to the statement of profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 90.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.15pt;"></span></span><span style="left: 63.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4678" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-10214">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 90.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 90.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.15pt;"></span></span><span style="left: 60.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-10215">24</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 103.5pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in cash flow hedge reserve<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 103.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.87pt;"></span></span><span style="left: 51.5pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4678" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-10216">2,901</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 103.5pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 103.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.87pt;"></span></span><span style="left: 48.5pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-10217">2,901</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 116.25pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Change in fair value of own credit risk of financial liabilities at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 116.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.44pt;"></span></span><span style="left: 62.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4678" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-10218">150</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 116.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60pt;"></span></span><span style="left: 62.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4679" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-10219">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 116.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.44pt;"></span></span><span style="left: 59.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-10220">165</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 129pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised and unrealised revaluations property in own use<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 129pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.15pt;"></span></span><span style="left: 63.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4678" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-10221">32</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 129pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60pt;"></span></span><span style="left: 62.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4679" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-10222">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 129pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 63.21pt;"></span></span><span style="left: 65.84pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-10223">5</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 141.75pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remeasurement of the net defined benefit asset/liability<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 141.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.15pt;"></span></span><span style="left: 63.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4678" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-10224">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 141.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 141.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 58.15pt;"></span></span><span style="left: 60.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-10225">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 154.5pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences and other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 154.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 52.22pt;"></span></span><span style="left: 54.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4678" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-10226">1,115</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 154.5pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.65pt;"></span></span><span style="left: 59.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4679" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-10227">26</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 154.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 49.22pt;"></span></span><span style="left: 51.85pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" format="ixt:num-dot-decimal" scale="6" id="f-10228">1,088</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 167.25pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total amount recognised directly in equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 167.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.02pt;"></span></span><span style="left: 50.650000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4678" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10229">2,220</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 167.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.4pt;"></span></span><span style="left: 64.03pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4679" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-10230">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 167.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 167.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.02pt;"></span></span><span style="left: 47.650000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10231">2,228</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 180pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 180pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.44pt;"></span></span><span style="left: 62.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4678" decimals="-6" name="ifrs-full:ProfitLoss" scale="6" id="f-10232">161</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 180pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 180pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.66pt;"></span></span><span style="left: 45.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4680" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-10233">11,965</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 180pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.16pt;"></span></span><span style="left: 46.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-10234">12,126</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 192.75pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total comprehensive income net of tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 192.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.02pt;"></span></span><span style="left: 50.650000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4678" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10235">2,059</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 192.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.4pt;"></span></span><span style="left: 64.03pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4679" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" scale="6" id="f-10236">8</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 192.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.76pt;"></span></span><span style="left: 44.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4680" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10237">11,965</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 192.75pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.5pt;"></span></span><span style="left: 51.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10238">9,898</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 218.25pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfer from Unappropriated result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 218.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.62pt;"></span></span><span style="left: 77.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 218.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.72pt;"></span></span><span style="left: 50.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4679" decimals="-6" name="ing:TransferOfEquity" format="ixt:num-dot-decimal" scale="6" id="f-10239">4,940</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 218.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.37pt;"></span></span><span style="left: 47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4680" decimals="-6" sign="-" name="ing:TransferOfEquity" format="ixt:num-dot-decimal" scale="6" id="f-10240">4,940</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 218.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 71.62pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" xsi:nil="true" name="ing:TransferOfEquity" id="f-10241"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 231pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividends and other cash distributions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 690.75pt; position: var(--position); top: 231pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.62pt;"></span></span><span style="left: 77.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 771pt; position: var(--position); top: 231pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.37pt;"></span></span><span style="left: 47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4679" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-10242">2,715</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 231pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.59pt;"></span></span><span style="left: 54.220000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4680" decimals="-6" name="ifrs-full:DividendsPaid" scale="6" id="f-10243">634</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 922.5pt; position: var(--position); top: 231pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.87pt;"></span></span><span style="left: 48.5pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-10244">3,349</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 245.25pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share buyback programme<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 539.25pt; position: var(--position); top: 245.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.71pt;"></span></span><span style="left: 64.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4681" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" scale="6" id="f-10245">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 690.75pt; position: var(--position); top: 245.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.62pt;"></span></span><span style="left: 77.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 771pt; position: var(--position); top: 245.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.37pt;"></span></span><span style="left: 47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4679" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-10246">1,580</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 245.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 922.5pt; position: var(--position); top: 245.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 45.87pt;"></span></span><span style="left: 48.5pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-10247">1,582</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 259.5pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in treasury shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 259.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.62pt;"></span></span><span style="left: 77.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 259.5pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 65.06pt;"></span></span><span style="left: 67.69pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4679" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions" scale="6" id="f-10248">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 259.5pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 259.5pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 66.56pt;"></span></span><span style="left: 69.19pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions" scale="6" id="f-10249">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 272.25pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Employee share plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 539.25pt; position: var(--position); top: 272.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 615pt; position: var(--position); top: 272.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60pt;"></span></span><span style="left: 62.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4682" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-10250">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 272.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 74.62pt;"></span></span><span style="left: 77.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 272.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60pt;"></span></span><span style="left: 62.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4679" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-10251">15</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 272.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 272.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.5pt;"></span></span><span style="left: 64.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-10252">27</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 285pt; width: 539.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in the composition of the group and other changes<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 771pt; position: var(--position); top: 285pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.59pt;"></span></span><span style="left: 54.220000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4679" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-10253">564</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 846.75pt; position: var(--position); top: 285pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 922.5pt; position: var(--position); top: 285pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 53.09pt;"></span></span><span style="left: 55.720000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTransfersAndOtherChangesEquity" scale="6" id="f-10254">564</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 74.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 299.25pt; width: 539.25pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 2.44pt; width: 539.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance as at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 60.36pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 539.25pt; position: var(--position); top: 299.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.64pt;"></span></span><span style="left: 62.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4658" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-10255">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 615pt; position: var(--position); top: 299.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.76pt;"></span></span><span style="left: 44.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4659" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10256">17,116</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 690.75pt; position: var(--position); top: 299.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 55.42pt;"></span></span><span style="left: 58.050000000000004pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4660" decimals="-6" sign="-" name="ifrs-full:Equity" scale="6" id="f-10257">986</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 771pt; position: var(--position); top: 299.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.76pt;"></span></span><span style="left: 44.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4661" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10258">29,002</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 846.75pt; position: var(--position); top: 299.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.76pt;"></span></span><span style="left: 44.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4662" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10259">11,331</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 922.5pt; position: var(--position); top: 299.25pt; width: 77.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 77.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.26pt;"></span></span><span style="left: 45.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10260">56,500</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 74.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div></ix:continuation></ix:continuation><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -344<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><ix:continuation id="f-10147-3"><ix:continuation id="f-10066-7" continuedAt="f-10066-8"><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Parent company condensed statement of changes in equity - continued<span style="display: inline-block; height: 9pt;"></span></span></div><div style="position: var(--position); top: 94.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 537.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 75.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 75.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 80.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 75.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 75.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 75.75pt;"/></tr><tr style="height: 15.75pt;"><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 15.75pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 537.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 537.75pt; position: var(--position); top: 15.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.94pt; position: var(--position); text-decoration: none; white-space: pre;">Share capital<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 613.5pt; position: var(--position); top: 15.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 10.91pt; position: var(--position); text-decoration: none; white-space: pre;">Share premium<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 689.25pt; position: var(--position); top: 15.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 38.22pt; position: var(--position); text-decoration: none; white-space: pre;">Legal and <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 4.22pt; position: var(--position); text-decoration: none; white-space: pre;">statutory reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 769.5pt; position: var(--position); top: 15.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 14.47pt; position: var(--position); text-decoration: none; white-space: pre;">Other reserves<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 845.25pt; position: var(--position); top: 15.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.7pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 9.62pt; position: var(--position); text-decoration: none; white-space: pre;">Unappropriated <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 46.37pt; position: var(--position); text-decoration: none; white-space: pre;">results<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 921pt; position: var(--position); top: 15.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 13.5pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 53.05pt; position: var(--position); text-decoration: none; white-space: pre;">Total<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 39.75pt; width: 537.75pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance as at 31&#160;December 2020<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 537.75pt; position: var(--position); top: 39.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.64pt;"></span></span><span style="left: 62.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4683" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-10261">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 613.5pt; position: var(--position); top: 39.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.76pt;"></span></span><span style="left: 44.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4684" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10262">17,089</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 689.25pt; position: var(--position); top: 39.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.5pt;"></span></span><span style="left: 54.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4685" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10263">2,347</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 39.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.76pt;"></span></span><span style="left: 44.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4686" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10264">29,988</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 39.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47pt;"></span></span><span style="left: 49.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4687" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10265">2,156</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 39.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.76pt;"></span></span><span style="left: 44.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4688" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10266">51,619</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised and unrealised revaluations of equity securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 689.25pt; position: var(--position); top: 65.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.44pt;"></span></span><span style="left: 62.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4689" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-10267">101</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 65.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.71pt;"></span></span><span style="left: 64.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4690" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-10268">6</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 65.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60pt;"></span></span><span style="left: 62.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments" scale="6" id="f-10269">94</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 78pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Unrealised revaluations debt instruments and other revaluations<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 689.25pt; position: var(--position); top: 78pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.09pt;"></span></span><span style="left: 58.720000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4689" decimals="-6" sign="-" name="ing:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInDebtSecurities" scale="6" id="f-10270">173</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 78pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 78pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 78pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.59pt;"></span></span><span style="left: 54.220000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" sign="-" name="ing:OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInDebtSecurities" scale="6" id="f-10271">173</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 90.75pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised gains/losses transferred to the statement of profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 689.25pt; position: var(--position); top: 90.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.15pt;"></span></span><span style="left: 63.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4689" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-10272">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 90.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 90.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 56.65pt;"></span></span><span style="left: 59.28pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax" scale="6" id="f-10273">40</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 103.5pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in cash flow hedge reserve<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 689.25pt; position: var(--position); top: 103.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.87pt;"></span></span><span style="left: 51.5pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4689" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-10274">1,603</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 103.5pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 103.5pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.37pt;"></span></span><span style="left: 47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxCashFlowHedges" format="ixt:num-dot-decimal" scale="6" id="f-10275">1,603</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 116.25pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Change in fair value of own credit risk of financial liabilities at fair value through profit or loss<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 689.25pt; position: var(--position); top: 116.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.5pt;"></span></span><span style="left: 67.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4689" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-10276">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 116.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 116.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60pt;"></span></span><span style="left: 62.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability" scale="6" id="f-10277">37</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 129pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Realised and unrealised revaluations property in own use<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 689.25pt; position: var(--position); top: 129pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.15pt;"></span></span><span style="left: 63.78pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4689" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-10278">13</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 129pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60pt;"></span></span><span style="left: 62.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4690" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-10279">11</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 129pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.71pt;"></span></span><span style="left: 64.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation" scale="6" id="f-10280">2</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 141.75pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Remeasurement of the net defined benefit asset/liability<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 689.25pt; position: var(--position); top: 141.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 64.5pt;"></span></span><span style="left: 67.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4689" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-10281">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 141.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 141.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60pt;"></span></span><span style="left: 62.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans" scale="6" id="f-10282">95</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 154.5pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Exchange rate differences and other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 689.25pt; position: var(--position); top: 154.5pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.44pt;"></span></span><span style="left: 62.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4689" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-10283">132</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 154.5pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60pt;"></span></span><span style="left: 62.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4690" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-10284">18</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 154.5pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 54.94pt;"></span></span><span style="left: 57.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation" scale="6" id="f-10285">150</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 167.25pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total amount recognised directly in equity<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 689.25pt; position: var(--position); top: 167.25pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.02pt;"></span></span><span style="left: 50.650000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4689" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10286">1,465</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 167.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.64pt;"></span></span><span style="left: 62.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4690" decimals="-6" name="ifrs-full:OtherComprehensiveIncome" scale="6" id="f-10287">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 167.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 167.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.52pt;"></span></span><span style="left: 46.150000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" sign="-" name="ifrs-full:OtherComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10288">1,442</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 180pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 689.25pt; position: var(--position); top: 180pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.44pt;"></span></span><span style="left: 62.07pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4689" decimals="-6" name="ifrs-full:ProfitLoss" scale="6" id="f-10289">191</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 77.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 180pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 180pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.72pt;"></span></span><span style="left: 50.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4691" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-10290">5,760</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 180pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.72pt;"></span></span><span style="left: 50.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:ProfitLoss" format="ixt:num-dot-decimal" scale="6" id="f-10291">5,951</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 192.75pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Total comprehensive income net of tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 689.25pt; position: var(--position); top: 192.75pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 48.02pt;"></span></span><span style="left: 50.650000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4689" decimals="-6" sign="-" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10292">1,274</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 192.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.64pt;"></span></span><span style="left: 62.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4690" decimals="-6" name="ifrs-full:ComprehensiveIncome" scale="6" id="f-10293">23</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 192.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47pt;"></span></span><span style="left: 49.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4691" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10294">5,760</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 192.75pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47pt;"></span></span><span style="left: 49.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:ComprehensiveIncome" format="ixt:num-dot-decimal" scale="6" id="f-10295">4,509</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 218.25pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Transfer from Unappropriated result<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 218.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47.72pt;"></span></span><span style="left: 50.35pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4690" decimals="-6" name="ing:TransferOfEquity" format="ixt:num-dot-decimal" scale="6" id="f-10296">2,156</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 218.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.37pt;"></span></span><span style="left: 47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4691" decimals="-6" sign="-" name="ing:TransferOfEquity" format="ixt:num-dot-decimal" scale="6" id="f-10297">2,156</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 218.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" xsi:nil="true" name="ing:TransferOfEquity" id="f-10298"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 231pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividends and other cash distributions<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 231pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.37pt;"></span></span><span style="left: 47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4690" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-10299">1,522</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 845.25pt; position: var(--position); top: 231pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.59pt;"></span></span><span style="left: 54.220000000000006pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4691" decimals="-6" name="ifrs-full:DividendsPaid" scale="6" id="f-10300">820</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 921pt; position: var(--position); top: 231pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.37pt;"></span></span><span style="left: 47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:DividendsPaid" format="ixt:num-dot-decimal" scale="6" id="f-10301">2,342</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 245.25pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Share buyback programme<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 769.5pt; position: var(--position); top: 245.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.37pt;"></span></span><span style="left: 47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4690" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-10302">1,744</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 845.25pt; position: var(--position); top: 245.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 921pt; position: var(--position); top: 245.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.37pt;"></span></span><span style="left: 47pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:PurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-10303">1,744</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 259.5pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in treasury shares<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 259.5pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.71pt;"></span></span><span style="left: 64.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4690" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions" scale="6" id="f-10304">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 259.5pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 259.5pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 61.71pt;"></span></span><span style="left: 64.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions" scale="6" id="f-10305">4</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 272.25pt; width: 537.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Employee share plans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 537.75pt; position: var(--position); top: 272.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 613.5pt; position: var(--position); top: 272.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60pt;"></span></span><span style="left: 62.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4692" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-10306">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 272.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60pt;"></span></span><span style="left: 62.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4690" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-10307">12</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 272.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 70.12pt;"></span></span><span style="left: 72.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 272.25pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 60pt;"></span></span><span style="left: 62.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions" scale="6" id="f-10308">29</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 72.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 285pt; width: 537.75pt;"><div><div style="font-size: 12pt; line-height: 9pt; position: var(--position); top: 2.44pt; width: 537.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Balance as at <span style="display: inline-block; height: 6.75pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 60.36pt; position: var(--position); text-decoration: none; white-space: pre;">31&#160;December 2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 537.75pt; position: var(--position); top: 285pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 59.64pt;"></span></span><span style="left: 62.27pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4672" decimals="-6" name="ifrs-full:Equity" scale="6" id="f-10309">39</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 613.5pt; position: var(--position); top: 285pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.76pt;"></span></span><span style="left: 44.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4673" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10310">17,105</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 689.25pt; position: var(--position); top: 285pt; width: 80.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 80.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 51.5pt;"></span></span><span style="left: 54.13pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4674" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10311">1,073</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 77.33999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 769.5pt; position: var(--position); top: 285pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.76pt;"></span></span><span style="left: 44.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4675" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10312">28,909</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 845.25pt; position: var(--position); top: 285pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 47pt;"></span></span><span style="left: 49.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4676" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10313">4,940</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 921pt; position: var(--position); top: 285pt; width: 75.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 75.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 41.76pt;"></span></span><span style="left: 44.39pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4677" decimals="-6" name="ifrs-full:Equity" format="ixt:num-dot-decimal" scale="6" id="f-10314">52,066</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 72.83999999999999pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -345<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_349"></div><div style="font-size: 12pt; line-height: 12pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="srt:ScheduleOfCondensedCashFlowStatementTableTextBlock" id="f-10315" continuedAt="f-10315-1" escape="true"><ix:continuation id="f-10066-8" continuedAt="f-10066-9"><span style="color: #333333; font-family: ING Me; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Parent company condensed statement of cash flows<span style="display: inline-block; height: 9pt;"></span></span></ix:continuation></ix:nonNumeric></div><ix:continuation id="f-10315-1"><ix:continuation id="f-10066-9" continuedAt="f-10066-10"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 94.31pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">for the years ended 31 December<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: var(--position); top: 106.31pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 999.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 118.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 225pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 37.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 118.5pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 210pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 48.75pt;"/></tr><tr style="height: 12.75pt;"><td colspan="4" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 12.75pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 12.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 12.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 12.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 24.41pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 853.5pt; position: var(--position); top: 12.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.16pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 902.25pt; position: var(--position); top: 12.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.16pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 951pt; position: var(--position); top: 12.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.25pt; width: 48.75pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 25.16pt; position: var(--position); text-decoration: none; white-space: pre;">2021<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 25.5pt; width: 343.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 343.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash flows from operating activities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525pt; position: var(--position); top: 25.5pt; width: 328.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 328.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash flows from financing activities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 38.25pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Result before tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 38.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-10316">167</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 38.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.31pt;"></span></span><span style="left: 39.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-10317">7</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 38.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 33.96pt;"></span></span><span style="left: 36.59pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" sign="-" name="ifrs-full:ProfitLossBeforeTax" scale="6" id="f-10318">3</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525pt; position: var(--position); top: 38.25pt; width: 328.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 328.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Proceeds from debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 853.5pt; position: var(--position); top: 38.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:ProceedsFromIssueOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-10319">6,012</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 902.25pt; position: var(--position); top: 38.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.66pt;"></span></span><span style="left: 18.29pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:ProceedsFromIssueOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-10320">11,176</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 951pt; position: var(--position); top: 38.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:ProceedsFromIssueOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-10321">7,912</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 51pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Adjusted for:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 118.5pt; position: var(--position); top: 51pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160; non-cash items in Result before tax<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 343.5pt; position: var(--position); top: 51pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:OtherAdjustmentsToReconcileProfitLoss" scale="6" id="f-10322">221</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 51pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.19pt;"></span></span><span style="left: 29.82pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:OtherAdjustmentsToReconcileProfitLoss" scale="6" id="f-10323">213</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 51pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.25pt;"></span></span><span style="left: 34.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:OtherAdjustmentsToReconcileProfitLoss" scale="6" id="f-10324">65</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525pt; position: var(--position); top: 51pt; width: 328.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 328.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Repayments of debt securities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 853.5pt; position: var(--position); top: 51pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:RepaymentsOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-10325">4,591</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 902.25pt; position: var(--position); top: 51pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:RepaymentsOfBondsNotesAndDebentures" format="ixt:num-dot-decimal" scale="6" id="f-10326">4,302</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 951pt; position: var(--position); top: 51pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.12pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" xsi:nil="true" name="ifrs-full:RepaymentsOfBondsNotesAndDebentures" id="f-10327"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 65.25pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Taxation paid<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 65.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.31pt;"></span></span><span style="left: 39.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:IncomeTaxesPaidClassifiedAsOperatingActivities" scale="6" id="f-10328">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 65.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.25pt;"></span></span><span style="left: 34.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:IncomeTaxesPaidClassifiedAsOperatingActivities" scale="6" id="f-10329">16</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 65.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 37.31pt;"></span></span><span style="left: 39.940000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:IncomeTaxesPaidClassifiedAsOperatingActivities" scale="6" id="f-10330">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525pt; position: var(--position); top: 65.25pt; width: 328.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 328.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Proceeds from issuance of subordinated loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 853.5pt; position: var(--position); top: 65.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10331">2,240</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 902.25pt; position: var(--position); top: 65.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.94pt;"></span></span><span style="left: 30.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" scale="6" id="f-10332">993</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 951pt; position: var(--position); top: 65.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20.72pt;"></span></span><span style="left: 23.349999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:ProceedsFromIssueOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10333">3,182</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 24pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 0pt; position: var(--position); top: 78pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Changes in:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 118.5pt; position: var(--position); top: 78pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.66pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Net change in Loans and advances to/from banks, <span style="display: inline-block; height: 6.75pt;"></span></span></div><div style="line-height: 9pt; position: var(--position); top: 13.46pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">not available/payable on demand<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 343.5pt; position: var(--position); top: 78pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-10334">6,485</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 391.5pt; position: var(--position); top: 78pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-10335">8,191</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 439.5pt; position: var(--position); top: 78pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.62pt;"></span></span><span style="left: 19.25pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks" format="ixt:num-dot-decimal" scale="6" id="f-10336">9,298</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 525pt; position: var(--position); top: 78pt; width: 328.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 328.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Repayments of subordinated loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 853.5pt; position: var(--position); top: 78pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10337">2,132</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 902.25pt; position: var(--position); top: 78pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-10338">1,090</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 24pt; left: 951pt; position: var(--position); top: 78pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 8.06pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 24.59pt;"></span></span><span style="left: 27.22pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:RepaymentsOfSubordinatedLiabilities" scale="6" id="f-10339">994</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 118.5pt; position: var(--position); top: 102pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.75pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211;&#160;&#160;Other<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 343.5pt; position: var(--position); top: 102pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 32.25pt;"></span></span><span style="left: 34.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:AdjustmentsForIncreaseDecreaseInOtherLiabilities" scale="6" id="f-10340">19</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 102pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.9pt;"></span></span><span style="left: 31.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForIncreaseDecreaseInOtherLiabilities" scale="6" id="f-10341">84</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 102pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 28.9pt;"></span></span><span style="left: 31.529999999999998pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" sign="-" name="ifrs-full:AdjustmentsForIncreaseDecreaseInOtherLiabilities" scale="6" id="f-10342">86</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525pt; position: var(--position); top: 102pt; width: 328.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 328.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Purchase of treasury shares (share buyback programme)<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 853.5pt; position: var(--position); top: 102pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" sign="-" name="ing:ProceedsFromSaleOrIssuePurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-10343">3,524</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 902.25pt; position: var(--position); top: 102pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" sign="-" name="ing:ProceedsFromSaleOrIssuePurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-10344">1,721</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 951pt; position: var(--position); top: 102pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" sign="-" name="ing:ProceedsFromSaleOrIssuePurchaseOfTreasuryShares" format="ixt:num-dot-decimal" scale="6" id="f-10345">1,604</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 116.25pt; width: 343.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 343.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net cash flow from/(used in) operating activities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 343.5pt; position: var(--position); top: 116.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.77pt;"></span></span><span style="left: 18.4pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10346">6,079</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 116.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.77pt;"></span></span><span style="left: 18.4pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10347">8,040</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 116.25pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 15.77pt;"></span></span><span style="left: 18.4pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10348">9,323</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525pt; position: var(--position); top: 116.25pt; width: 328.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 328.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Dividends paid<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 853.5pt; position: var(--position); top: 116.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10349">2,964</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 902.25pt; position: var(--position); top: 116.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10350">3,052</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 951pt; position: var(--position); top: 116.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.37pt;"></span></span><span style="left: 20pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:DividendsPaidClassifiedAsFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10351">2,342</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525pt; position: var(--position); top: 130.5pt; width: 328.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 328.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Other financing<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 853.5pt; position: var(--position); top: 130.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.12pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" xsi:nil="true" name="ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities" id="f-10352"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 902.25pt; position: var(--position); top: 130.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 43.12pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" xsi:nil="true" name="ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities" id="f-10353"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 951pt; position: var(--position); top: 130.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities" scale="6" id="f-10354">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 143.25pt; width: 343.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 343.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash flows from investing activities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525pt; position: var(--position); top: 143.25pt; width: 328.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 328.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net cash flow from/(used in) financing activities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 853.5pt; position: var(--position); top: 143.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.52pt;"></span></span><span style="left: 19.15pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" sign="-" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10355">4,959</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 902.25pt; position: var(--position); top: 143.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10356">2,004</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 951pt; position: var(--position); top: 143.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 20pt;"></span></span><span style="left: 22.63pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:CashFlowsFromUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10357">6,154</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 156pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 118.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Disposals and redemptions:<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 118.5pt; position: var(--position); top: 156pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; dividends received from group companies<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 156pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.91pt;"></span></span><span style="left: 17.54pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:DividendsReceivedClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10358">10,269</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 156pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:DividendsReceivedClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10359">6,277</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 156pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:DividendsReceivedClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10360">3,125</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 118.5pt; position: var(--position); top: 168.75pt; width: 225pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 225pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">&#8211; securities at amortised cost<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 343.5pt; position: var(--position); top: 168.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.97pt;"></span></span><span style="left: 22.599999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10361">1,000</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 391.5pt; position: var(--position); top: 168.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 439.5pt; position: var(--position); top: 168.75pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 42.37pt;"></span></span><span style="left: 45pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 525pt; position: var(--position); top: 168.75pt; width: 328.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 328.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net cash flow<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 853.5pt; position: var(--position); top: 168.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.4pt;"></span></span><span style="left: 30.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges" scale="6" id="f-10362">231</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 902.25pt; position: var(--position); top: 168.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.4pt;"></span></span><span style="left: 30.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges" scale="6" id="f-10363">241</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 951pt; position: var(--position); top: 168.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 29.16pt;"></span></span><span style="left: 31.79pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" sign="-" name="ifrs-full:IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges" scale="6" id="f-10364">44</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 0pt; position: var(--position); top: 183pt; width: 343.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 343.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Net cash flow from/(used in) investing activities<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 343.5pt; position: var(--position); top: 183pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 14.01pt;"></span></span><span style="left: 16.64pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10365">11,269</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 391.5pt; position: var(--position); top: 183pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.25pt;"></span></span><span style="left: 21.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10366">6,277</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 439.5pt; position: var(--position); top: 183pt; width: 48pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 19.25pt;"></span></span><span style="left: 21.88pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" name="ifrs-full:CashFlowsFromUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-10367">3,125</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.09pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525pt; position: var(--position); top: 195.75pt; width: 328.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 328.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and cash equivalents at beginning of year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 853.5pt; position: var(--position); top: 195.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.94pt;"></span></span><span style="left: 30.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:CashAndCashEquivalents" scale="6" id="f-10368">383</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 902.25pt; position: var(--position); top: 195.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.94pt;"></span></span><span style="left: 30.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4677" decimals="-6" name="ifrs-full:CashAndCashEquivalents" scale="6" id="f-10369">142</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 951pt; position: var(--position); top: 195.75pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.94pt;"></span></span><span style="left: 30.57pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4688" decimals="-6" name="ifrs-full:CashAndCashEquivalents" scale="6" id="f-10370">186</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525pt; position: var(--position); top: 208.5pt; width: 328.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 328.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Effect of exchange rate changes on cash and cash equivalents<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 853.5pt; position: var(--position); top: 208.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4655" decimals="-6" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" scale="6" id="f-10371">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 902.25pt; position: var(--position); top: 208.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 38.06pt;"></span></span><span style="left: 40.690000000000005pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4656" decimals="-6" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" scale="6" id="f-10372">0</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 951pt; position: var(--position); top: 208.5pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 34.71pt;"></span></span><span style="left: 37.34pt; position: var(--position);">-<ix:nonFraction unitRef="eur" contextRef="c-4657" decimals="-6" sign="-" name="ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents" scale="6" id="f-10373">1</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 45.75pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 525pt; position: var(--position); top: 221.25pt; width: 328.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 328.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Cash and cash equivalents at end of year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 853.5pt; position: var(--position); top: 221.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.4pt;"></span></span><span style="left: 30.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4651" decimals="-6" name="ifrs-full:CashAndCashEquivalents" scale="6" id="f-10374">614</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 902.25pt; position: var(--position); top: 221.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.4pt;"></span></span><span style="left: 30.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4652" decimals="-6" name="ifrs-full:CashAndCashEquivalents" scale="6" id="f-10375">383</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 951pt; position: var(--position); top: 221.25pt; width: 48.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 48.75pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 27.4pt;"></span></span><span style="left: 30.029999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4677" decimals="-6" name="ifrs-full:CashAndCashEquivalents" scale="6" id="f-10376">142</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 45.84pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></ix:continuation></ix:continuation></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -346<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div><div style="--position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 607.47pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 1080pt;"><div><div style="position: absolute; top: 64.91pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_352"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 64.91pt; width: 1080pt;"><ix:continuation id="f-10066-10" continuedAt="f-10066-11"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Five-year schedule of maturities of subordinated and debenture loans<span style="display: inline-block; height: 10.5pt;"></span></span></ix:continuation></div><ix:continuation id="f-10066-11" continuedAt="f-10066-12"><div style="position: var(--position); top: 81.71pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:MaturityAnalysisForNonderivativeFinancialLiabilities" id="f-10377" escape="true"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 482.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 281.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/></tr><tr style="height: 14.25pt;"><td colspan="5" rowspan="1" style="background-color: #ff6200; font-size: 0; text-align: left; vertical-align: top;"/></tr><tr style="height: 12.75pt;"><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 281.25pt; position: var(--position); top: 14.25pt; width: 100.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 100.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 20.06pt; position: var(--position); text-decoration: none; white-space: pre;">Subordinated loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="2" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 12.75pt; left: 381.75pt; position: var(--position); top: 14.25pt; width: 100.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.44pt; width: 100.5pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 31.57pt; position: var(--position); text-decoration: none; white-space: pre;">Debenture loans<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 27pt; width: 281.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 281.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">in EUR million<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 281.25pt; position: var(--position); top: 27pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 26.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 331.5pt; position: var(--position); top: 27pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 26.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381.75pt; position: var(--position); top: 27pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 26.66pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432pt; position: var(--position); top: 27pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #ff6200; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 26.66pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 41.25pt; width: 281.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 281.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Less than 1 year<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 281.25pt; position: var(--position); top: 41.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.62pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4693" xsi:nil="true" name="ifrs-full:Borrowings" id="f-10378"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 331.5pt; position: var(--position); top: 41.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="eur" contextRef="c-4694" xsi:nil="true" name="ifrs-full:Borrowings" id="f-10379"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381.75pt; position: var(--position); top: 41.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4695" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10380">1,474</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432pt; position: var(--position); top: 41.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4696" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10381">4,639</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 55.5pt; width: 281.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 281.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">1 to 2 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 281.25pt; position: var(--position); top: 55.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.62pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4697" xsi:nil="true" name="ifrs-full:Borrowings" id="f-10382"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 331.5pt; position: var(--position); top: 55.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.62pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4698" xsi:nil="true" name="ifrs-full:Borrowings" id="f-10383"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381.75pt; position: var(--position); top: 55.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4699" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10384">3,250</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432pt; position: var(--position); top: 55.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4700" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10385">1,570</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 69.75pt; width: 281.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 281.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">2 to 3 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 281.25pt; position: var(--position); top: 69.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.62pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4701" xsi:nil="true" name="ifrs-full:Borrowings" id="f-10386"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 331.5pt; position: var(--position); top: 69.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.62pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4702" xsi:nil="true" name="ifrs-full:Borrowings" id="f-10387"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381.75pt; position: var(--position); top: 69.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4703" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10388">7,616</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432pt; position: var(--position); top: 69.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4704" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10389">3,250</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 84pt; width: 281.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 281.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">3 to 4 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 281.25pt; position: var(--position); top: 84pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.62pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4705" xsi:nil="true" name="ifrs-full:Borrowings" id="f-10390"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 331.5pt; position: var(--position); top: 84pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.62pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4706" xsi:nil="true" name="ifrs-full:Borrowings" id="f-10391"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381.75pt; position: var(--position); top: 84pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4707" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10392">7,049</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432pt; position: var(--position); top: 84pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4708" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10393">7,716</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 98.25pt; width: 281.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 281.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">4 to 5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 281.25pt; position: var(--position); top: 98.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.62pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4709" xsi:nil="true" name="ifrs-full:Borrowings" id="f-10394"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 331.5pt; position: var(--position); top: 98.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 44.62pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4710" xsi:nil="true" name="ifrs-full:Borrowings" id="f-10395"></ix:nonFraction> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381.75pt; position: var(--position); top: 98.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4711" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10396">7,306</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432pt; position: var(--position); top: 98.25pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4712" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10397">5,563</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 112.5pt; width: 281.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 281.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Longer than 5 years<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 281.25pt; position: var(--position); top: 112.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4713" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10398">9,317</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 331.5pt; position: var(--position); top: 112.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.16pt;"></span></span><span style="left: 19.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4714" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10399">10,113</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381.75pt; position: var(--position); top: 112.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.16pt;"></span></span><span style="left: 19.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4715" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10400">15,875</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432pt; position: var(--position); top: 112.5pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 17.16pt;"></span></span><span style="left: 19.79pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4716" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10401">18,872</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 0.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 126.75pt; width: 281.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 281.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;">Maturity not applicable<span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 281.25pt; position: var(--position); top: 126.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4717" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10402">7,014</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 331.5pt; position: var(--position); top: 126.75pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 22.22pt;"></span></span><span style="left: 24.849999999999998pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4718" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10403">6,329</ix:nonFraction><span style="display: inline-block; height: 6.75pt;"></span></span><span style="left: 47.25pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4719" xsi:nil="true" name="ifrs-full:Borrowings" id="f-10404"></ix:nonFraction></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><ix:nonFraction unitRef="eur" contextRef="c-4720" xsi:nil="true" name="ifrs-full:Borrowings" id="f-10405"></ix:nonFraction></td></tr><tr style="height: 14.25pt;"><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #a8a8a8; border-top: 0.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 281.25pt; position: var(--position); top: 141pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.26pt;"></span></span><span style="left: 18.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4721" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10406">16,330</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 47.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 331.5pt; position: var(--position); top: 141pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.26pt;"></span></span><span style="left: 18.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4722" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10407">16,441</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 47.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #f0f0f0; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 381.75pt; position: var(--position); top: 141pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.26pt;"></span></span><span style="left: 18.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4723" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10408">42,569</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 47.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td><td colspan="1" rowspan="1" style="background-color: #ffffff; border-bottom: 1.5pt solid #a8a8a8; border-top: 1.5pt solid #a8a8a8; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 432pt; position: var(--position); top: 141pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 3.19pt; width: 50.25pt;"><span style="color: #333333; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 2.63pt; position: var(--position);"><span style="display: inline-block; height: 6.75pt; width: 16.26pt;"></span></span><span style="left: 18.89pt; position: var(--position);"><ix:nonFraction unitRef="eur" contextRef="c-4724" decimals="-6" name="ifrs-full:Borrowings" format="ixt:num-dot-decimal" scale="6" id="f-10409">41,609</ix:nonFraction><span style="display: inline-block; height: 6.75pt; width: 0.09pt;"></span></span><span style="left: 47.34pt; position: var(--position);"> <span style="display: inline-block; height: 6.75pt;"></span></span></span></div></div></div></td></tr></tbody></table></div></div></ix:nonNumeric></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 256.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">As at 31 December <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 127.48pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 150pt; position: var(--position); text-decoration: none; white-space: pre;"> ING Groep N.V. has issued USD <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 290.44pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="usd" contextRef="c-3136" decimals="-6" name="ifrs-full:IssuedCapitalPreferenceShares" format="ixt:num-dot-decimal" scale="6" id="f-10410">7,750</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 315.37pt; position: var(--position); text-decoration: none; white-space: pre;"> million (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 353.48pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 376pt; position: var(--position); text-decoration: none; white-space: pre;">: USD <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 401.71000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="usd" contextRef="c-3137" decimals="-6" name="ifrs-full:IssuedCapitalPreferenceShares" format="ixt:num-dot-decimal" scale="6" id="f-10411">6,750</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 426.64pt; position: var(--position); text-decoration: none; white-space: pre;"> million) Perpetual <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 268.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">Additional Tier 1 Contingent Convertible Capital Securities which can, in accordance with their terms and <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 280.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">conditions, convert by operation of law into ordinary shares if the conditions to such a conversion are <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 292.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">fulfilled. As a result of this conversion, the issued share capital can increase by up to <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 416.9pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="ifrs-full:IssueOfConvertibleInstruments" scale="6" id="f-10412">864</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 433.78999999999996pt; position: var(--position); text-decoration: none; white-space: pre;"> million (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 471.9pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 494.41999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 499.33000000000004pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="usd" contextRef="c-23" decimals="-6" name="ifrs-full:IssueOfConvertibleInstruments" scale="6" id="f-10413">750</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 516.22pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 304.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">million) ordinary shares. Reference is made to the ING Group Consolidated financial statements, <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 470.36pt; position: var(--position); text-decoration: none; white-space: pre;">Note 18 <span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 316.96pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">'Subordinated loans'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 131.18pt; position: var(--position); text-decoration: none; white-space: pre;"> and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 153.42000000000002pt; position: var(--position); text-decoration: none; white-space: pre;">Note 19 'Equity'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 224.38pt; position: var(--position); text-decoration: none; white-space: pre;">. <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 343.96pt; width: 1080pt;"><ix:continuation id="f-10066-12"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">The number of debentures held by Group companies as at 31&#160;December <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 365.16999999999996pt; position: var(--position); text-decoration: none; white-space: pre;">2023<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 387.69000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"> is <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 399.44000000000005pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="debenture" contextRef="c-4651" decimals="0" name="ing:NumberOfDebenturesHeld" format="ixt:fixed-zero" scale="0" id="f-10414">nil</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 409.88pt; position: var(--position); text-decoration: none; white-space: pre;"> (<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 415.55999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">2022<span style="display: inline-block; height: 7.5pt;"></span></span></ix:continuation><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 438.08000000000004pt; position: var(--position); text-decoration: none; white-space: pre;">: <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 442.99pt; position: var(--position); text-decoration: none; white-space: pre;"><ix:nonFraction unitRef="debenture" contextRef="c-4652" decimals="0" name="ing:NumberOfDebenturesHeld" format="ixt:fixed-zero" scale="0" id="f-10415">nil</ix:nonFraction><span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 453.42999999999995pt; position: var(--position); text-decoration: none; white-space: pre;">).<span style="display: inline-block; height: 7.5pt;"></span></span></div><div style="position: absolute; top: 373.96pt;" id="i96818b01e0dd40bb90ab4fec2eaff84d_355"></div><div style="font-size: 12pt; line-height: 14pt; position: var(--position); top: 373.96pt; width: 1080pt;"><ix:nonNumeric contextRef="c-1" name="ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory" id="f-10416" continuedAt="f-10416-1" escape="true"><span style="color: #333333; font-family: ING Me; font-size: 14pt; font-style: normal; font-weight: bold; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">49&#160;  Subsequent events <span style="display: inline-block; height: 10.5pt;"></span></span></ix:nonNumeric></div><ix:continuation id="f-10416-1" continuedAt="f-10416-2"><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 405.76pt; width: 1080pt;"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">There are no subsequent events to report other than those already disclosed in <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 396.02pt; position: var(--position); text-decoration: none; white-space: pre;">Note 42 'Legal proceedings'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 519.74pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div></ix:continuation><div style="font-size: 12pt; line-height: 10pt; position: var(--position); top: 417.76pt; width: 1080pt;"><ix:continuation id="f-10416-2"><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 39.97pt; position: var(--position); text-decoration: none; white-space: pre;">and <span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 59.709999999999994pt; position: var(--position); text-decoration: none; white-space: pre;">Note 47 'Capital management'<span style="display: inline-block; height: 7.5pt;"></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 197.21pt; position: var(--position); text-decoration: none; white-space: pre;">.<span style="display: inline-block; height: 7.5pt;"></span></span></ix:continuation><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: normal; left: 199.62pt; position: var(--position); text-decoration: none; white-space: pre;"> <span style="display: inline-block; height: 7.5pt;"></span></span></div></div><div style="left: 0pt; position: var(--position); top: 0pt;"><div style="width: 1000pt;"><div style="position: var(--position); top: 7pt; width: 1080pt;"><div style="left: 39.97pt; position: var(--position); top: 0pt; width: 996pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tbody><tr style="height: 0;"><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 36.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 45pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 50.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 77.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 135.75pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 152.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 59.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 56.25pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/><td colspan="1" rowspan="1" style="padding: 0; width: 6pt;"/></tr><tr style="height: 14.25pt;"><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 0pt; position: var(--position); top: 0pt; width: 118.5pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 118.5pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_10">Contents</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 174.75pt; position: var(--position); top: 0pt; width: 50.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 50.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_19">Part I</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 308.25pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_76">Part II</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 450pt; position: var(--position); top: 0pt; width: 135.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 135.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_115">Part III</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 591.75pt; position: var(--position); top: 0pt; width: 152.25pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 152.25pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: normal; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_127">Additional information</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="3" rowspan="1" style="border-bottom: 1.5pt solid #ff6200; font-size: 0; text-align: left; vertical-align: top;"><div style="height: 14.25pt; left: 809.25pt; position: var(--position); top: 0pt; width: 174.75pt;"><div><div style="line-height: 9pt; position: var(--position); top: 2.63pt; width: 174.75pt;"><span style="color: #000000; font-family: ING Me; font-size: 9pt; font-style: normal; font-weight: bold; left: 2.63pt; position: var(--position); text-decoration: none; white-space: pre;"><a style="color: inherit; text-decoration: inherit; z-index: 1;" href="#i96818b01e0dd40bb90ab4fec2eaff84d_166">Financial statements</a><span style="display: inline-block; height: 6.75pt;"></span></span></div></div></div></td><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/><td colspan="1" rowspan="1" style="border-bottom: 1.5pt solid #ffffff; font-size: 0; text-align: left; vertical-align: top;"/></tr></tbody></table></div></div></div></div></div><div style="left: 0pt; position: var(--position); top: 565.52pt;"><div style="width: 1000pt;"><div style="line-height: 10pt; position: var(--position); top: 18.45pt; width: 1080pt;"><span style="color: #a8a8a8; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><span style="left: 39.97pt; position: var(--position);">ING Group Annual Report 2023 on Form 20-F<span style="display: inline-block; height: 7.5pt; width: 767.37pt;"></span></span></span><span style="color: #333333; font-family: ING Me; font-size: 10pt; font-style: normal; font-weight: bold; left: 1011.02pt; position: var(--position); text-decoration: none; white-space: pre;">F -347<span style="display: inline-block; height: 7.5pt;"></span></span></div></div></div></div></body></html>
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<TYPE>EX-2.1
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<title>Document</title></head><body><div id="iae20893897d14f7dac88605e9ce8bf5e_1"></div><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:8pt;margin-top:20pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:700;line-height:120%">EXHIBIT 2.1 DESCRIPTION OF SECURITIES REGISTERED UNDER SECTION 12 OF THE EXCHANGE ACT</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><br>As of 31 December 2023 ING Groep N.V. (&#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ING</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">,&#8221; the &#8220;Company,&#8221; &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">we</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">,&#8221; &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">us</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">,&#8221; and &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">our</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) had the following series of securities registered pursuant to Section 12(b) of the Act&#58;</font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.858%"><tr><td style="width:1.0%"></td><td style="width:53.445%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.619%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:26.636%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Title of each class</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Trading symbols</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Name of each exchange on which registered</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">American Depositary Shares</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ING</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Ordinary shares</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:5.85pt;font-weight:400;line-height:120%;position:relative;top:-3.15pt;vertical-align:baseline">(i)</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.950% Fixed Rate Senior Notes due 2027</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ING27</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.550% Fixed Rate Senior Notes due 2028</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ING28</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.550% Fixed Rate Senior Notes due 2024</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ING24</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.050% Fixed Rate Senior Notes due 2029</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ING29</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1.726% Callable Fixed-to-Floating Rate Senior Notes due 2027</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ING27A</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2.727% Callable Fixed-to-Floating Rate Senior Notes due 2032</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ING32</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Callable Floating Rate Senior Notes due 2027</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ING27B</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3.869% Callable Fixed-to-Floating Rate Senior Notes due 2026</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ING26</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.017% Callable Fixed-to-Floating Rate Senior Notes due 2028</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ING28A</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">4.252% Callable Fixed-to-Floating Rate Senior Notes due 2033</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ING33</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Callable Floating Rate Senior Notes due 2026</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ING26A</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.083% Callable Fixed-to-Floating Rate Senior Notes due 2027</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ING27C</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Callable Floating Rate Senior Notes due 2027</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ING27D</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">6.114% Callable Fixed-to-Floating Rate Senior Notes due 2034</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ING34</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:400;line-height:120%">New York Stock Exchange</font></div></td></tr></table></div><div style="padding-left:7.09pt;text-indent:-7.09pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:2.59pt">Not for trading, but only in connection with the registration of American Depositary Shares representing such ordinary shares, pursuant to the requirements of the Securities and Exchange Commission.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Capitalized terms used but not defined herein have the meanings given to them in ING&#8217;s annual report on Form 20-F for the fiscal year ended 31 December 2023.</font></div><div style="margin-bottom:4pt;margin-top:17pt;text-align:center"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">ORDINARY SHARES</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The general meeting of shareholders of ING is referred to as the &#8220;General Meeting,&#8221; which term refers to both the body consisting of shareholders and other persons entitled to vote as well as the meeting of shareholders and other persons entitled to attend meetings. This section summarizes the material terms of our ordinary shares, including summaries of certain provisions of our articles of association and applicable Dutch law in effect on the date hereof. They do not, however, describe every aspect of the ordinary shares, </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">the articles of association or Dutch law. References to provisions of our articles of association are qualified in their entirety by reference to the full articles of association, an English translation of which has been filed as an exhibit to the Form 6-K filed on 17 May 2022, as Exhibit 99.1.</font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">General</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As at 31 December 2023, our authorized share capital was divided into 9,142,000,000 ordinary shares, with a nominal value of EUR 0.01 per ordinary share and 4,571,000,000 cumulative preference shares with a nominal value of EUR 0.01 per cumulative preference share. The ordinary shares and the cumulative preference shares are each in registered form. The outstanding ordinary shares are fully paid and non-assessable. As at 31 December 2023, 3,498,194,469 ordinary shares were issued and outstanding. In addition, as at 31 December 2023, no cumulative preference shares were issued and outstanding.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Articles of Association</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING is a holding company organised under the laws of the Netherlands. Its object and purpose, as set forth in article 3 of its Articles of Association, is to participate in, manage, finance, furnish personal or real security for the obligations of and provide services to other enterprises and institutions of any kind, but in particular enterprises and institutions which are active in the field of lending, the financial markets, investment and&#47;or other financial services, and to engage in any activity which may be related or conducive to the foregoing. ING is registered under file number 33231073 with the Trade Register of the Chamber of Commerce and the Articles of Association are available there and on ING&#8217;s website.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Certain Powers of Directors</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Supervisory Board determines the remuneration of the members of the Executive Board within the framework of the remuneration policy adopted by the General Meeting. The  remuneration of members of the Supervisory Board is determined by the General Meeting and does not depend on the results of ING Group. Without prejudice to their voting rights they may have if they are a shareholder of ING, neither members of the Executive Board nor members of the Supervisory Board will vote on remuneration for themselves or any other member of their body.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the term of their office, members of the Supervisory Board are not allowed to borrow or to accept guarantees from ING or any of its subsidiaries. Loans that already exist upon appointment as a member of the Supervisory Board however, may be continued. Subsidiaries of ING however, may in the ordinary course of their business and on terms that apply to employees, provide certain other banking and financial services to members of the Supervisory Board with due observance of the applicable company policies provided that loans, guarantees and the like are subject to the approval of the Supervisory Board, which has delegated its approval authority to its Chairperson and the Vice-Chairperson. Banking and financial services provided to members of the Supervisory Board may include services in which the granting of credit is of a secondary nature, e.g. credit cards and overdrafts in current accounts  for which provision Supervisory Board approval is not required. Members of the Supervisory Board and members of the Executive Board with a conflict of </font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">interest may not participate in the decision-making with respect to the matter or transaction to which the conflict of interest relates, and the votes of such members shall not be taken into account.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Articles of Association do not contain any age limits for retirement of the members of the Executive Board and members of the Supervisory Board. The retirement age for members of the Executive Board under the (Dutch) pension plan is the first day of the month that the individual reaches the age of 67 and 3 months.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Members of the Executive Board are appointed by the General Meeting for a term of four years and may be reappointed.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Supervisory Board members shall be nominated for appointment for a maximum of four years and may be reappointed once for another four-year period. Supervisory Board members may be nominated for reappointment for an additional period of two years, which period may subsequently be extended by at most two years. The Supervisory Board may deviate from the above in special circumstances at its discretion.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Both members of the Executive Board and members of the Supervisory Board are appointed from a binding nomination by the Supervisory Board. The General Meeting may declare the nomination non-binding by a resolution passed by an absolute majority of the votes cast, which majority represents more than half of the issued share capital. Members of the Executive Board and the Supervisory Board are not required to hold any shares of ING to qualify as such.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Restrictions on share ownership</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of 31 December 2023, there were no limitations under Dutch law or the Articles of Association on the right to own Ordinary Shares, including the right of non-Dutch nationals or residents rights to hold or exercise voting rights.</font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">General meeting</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Frequency and agenda of general meetings</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING&#8217;s Annual General Meeting (AGM) is normally held each year in April or May to discuss the course of business in the preceding financial year on the basis of the reports prepared by the Executive Board and the Supervisory Board, and to decide on&#58;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">The distribution of dividends or other distributions&#59;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">The appointment and&#47;or reappointment of members of the Executive Board and the Supervisory Board&#59;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">Any other items requiring shareholder approval pursuant to Dutch law&#59; and</font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">Any other matters proposed by the Supervisory Board, the Executive Board or shareholders in accordance with the Articles of Association.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Main powers of the general meeting</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The main topics on which the general meeting decides are&#58;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">the appointment, suspension and dismissal of members of the Executive Board and members of the Supervisory Board, subject to a binding nomination or a proposal of the Supervisory Board&#59;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">the adoption of the financial statements (annual accounts)&#59;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">the declaration of dividends, subject to the power of the Executive Board to allocate part or all of the profits to the reserves &#8211; with approval of the Supervisory Board &#8211; and the declaration of other distributions, subject to a proposal by the Executive Board and approved by the Supervisory Board&#59;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">the appointment &#47; reappointment of the external auditor&#59;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">an amendment of the Articles of Association, a legal merger or division of ING Group, and winding-up of ING Group, all subject to a proposal made by the Executive Board with approval of the Supervisory Board&#59;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">the issuance of shares or rights to subscribe for shares, the restriction or exclusion of pre-emptive rights of shareholders, and delegation of these powers to the Executive Board, subject to a proposal by the Executive Board that has been approved by the Supervisory Board&#59;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">the authorisation of a repurchase of outstanding shares and&#47;or a cancellation of shares.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Notice</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING Group convenes its general meetings by public notice via ing.com at least 42 days before the day of the general meeting. All information relevant for shareholders is then made available via ing.com. This information includes the notice of the general meeting, the place and time of the meeting, instructions on how to attend the meeting and exercise voting rights, the agenda, the explanatory notes to the agenda including the verbatim text of the proposals, as well as the Annual Report.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This period can be shortened to 10 days if i) ING Group meets the criteria for early intervention measures, ii) resolution can be avoided by means of a capital increase and iii) a general meeting would be required to enable ING Group to issue the required number of shares.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Proposals by shareholders</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Shareholders who individually or jointly represent at least one percent of the issued capital may propose items for the agenda of a general meeting. Such proposals should be adequately substantiated under applicable Dutch law.</font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Shareholders have the opportunity to contact ING about the general meeting, via a dedicated webpage on ing.com.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Record date</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The record date for attending a general meeting and voting on proposals at that general meeting is the 28th day before the day of the general meeting. Only those holding shares on the record date may attend the General Meeting and may participate, vote and exercise any other rights attached to their shares in the General Meeting, regardless of any subsequent sale or purchase of shares. The record date is published in the notice for the general meeting. If a shortened notice period of 10 days is applicable (see &#8216;Notice&#8217; above), the record date is two days after the convocation date.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with US requirements, the depositary sets a record date for the American Depositary Receipts (ADRs), which determines which American Depositary Receipts (ADRs) holders are entitled to give voting instructions. This record date can differ from the record date set by ING Group for shareholders.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Attendance</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Shareholders may attend a general meeting or may grant a proxy in writing to a third party to attend the meeting and to vote on their behalf. For logistical reasons, attending the general meeting is subject to the requirement that ING Group is notified by the shareholders in advance on how they will attend. Instructions to that effect are included in the notice for the general meeting.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">General meetings are webcast on www.ing.com, so that shareholders who could not attend the general meeting in person can follow the meeting online.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Voting rights on shares</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Each share entitles the holder to cast one vote at the general meeting. The Articles of Association do not restrict the voting rights on any class of shares. ING Group is not aware of any agreement that restricts voting rights on any class of its shares.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Proxy voting facilities</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING Group provides proxy voting facilities to its investors via ing.com and solicits proxies from its ADR holders in line with common practice in the US.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING Group uses the 'Evote by ING' platform, an online facility through which shareholders can register for a meeting or appoint a proxy. </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Also, proxy voting forms are made available on ing.com. By returning the form, shareholders give a proxy to an independent proxy holder (a public notary registered in the Netherlands) to vote on their behalf, in accordance with instructions expressly given on the proxy form. Submitting these forms is subject to additional conditions as specified on such forms.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING Group will send an electronic confirmation of receipt of the votes to the person that casts the vote. In addition, on request made within three months from the date of the general meeting, ING Group will confirm to the shareholder or a third person designated by the shareholder that the shareholder&#8217;s votes have been validly recorded and counted by ING Group, if this information is not already available to the shareholder directly.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Reporting</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Resolutions adopted at a general meeting are generally published on ing.com within one week following the meeting. In accordance with the DCGC, the draft minutes of the general meeting are made available to shareholders on ing.com no later than three months after the meeting. Shareholders then have three months to react to the draft minutes. After that, the minutes are adopted by the chair of the meeting and by a shareholder appointed by that meeting and are made available on ing.com. As an alternative to minutes, a notarial record of the proceedings of the general meeting can be made.</font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Shares and shareholdings</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital structure</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING Group&#8217;s authorised share capital consists of ordinary shares and cumulative preference shares.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING Group&#8217;s ordinary shares are listed on Euronext Amsterdam &#38; Brussels. American Depositary Receipts (ADRs) are listed on NYSE and administered by depositary JP Morgan Chase.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Currently, only ordinary shares are issued and a call option to acquire cumulative preference shares has been granted to Stichting Continu&#239;teit ING (ING Continuity Foundation). </font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING Group&#8217;s authorised capital is the maximum amount of capital allowed to be issued under the terms of the Articles of Association. New shares in excess of this amount can only be issued if the Articles of Association are amended.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Issuance of shares</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Shares may be issued following a resolution by the general meeting. The general meeting may resolve to delegate this authority to another body for a period of time not exceeding five years. Each year, a proposal is made to the general meeting to delegate authority to the Executive Board to issue new ordinary shares or </font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">to grant rights to subscribe to new ordinary shares, both with and without pre-emptive rights for existing shareholders. On 24 April 2023 the General Meeting authorised the Executive Board to issue new ordinary shares (including the granting of rights to subscribe for ordinary shares, such as warrants or in connection with convertible debt instruments) for a period of 18 months, ending on 24 October 2024, subject to the following conditions and limits&#58;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">No more than 40%* of the issued share capital in connection with a rights issue, being a share offering to all shareholders in proportion to their existing holdings of ordinary shares. However, the Executive Board and Supervisory Board may exclude or restrict pre-emptive rights of existing shareholders if deemed necessary or practical.</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">No more than 10% of the issued share capital, with or without pre-emptive rights of existing shareholders.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">* ING has benchmarked the level of 40% and this is in line with the practice of other large financial and globally active corporates.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Specific approval by the general meeting is required for any share issuance exceeding these limits.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The purpose of this share issue authorisation is to delegate to the Executive Board the power to issue new ordinary shares, without first having to obtain the consent of the General Meeting. This authorisation gives ING Group flexibility in managing its capital resources, including regulatory capital, while taking into account shareholders&#8217; interests to prevent dilution of their shares. In particular, it enables ING Group to respond promptly to developments in the financial markets, should circumstances require. The Executive Board and Supervisory Board consider it in the best interest of ING Group to have the flexibility this authorisation provides.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This authorisation may be used for any purpose, including but not limited to strengthening capital, financing, mergers or acquisitions. However, the authorisation to issue ordinary shares by way of rights issue cannot be used for mergers or acquisitions on a share-for-share basis as this is incompatible with the concept of pre-emptive rights for existing shareholders.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In line with market practice, ING Group currently intends to include the following categories of shareholders in such a rights issue&#58;</font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">i.</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%;padding-left:9.49pt">Qualified and retail investors in the Netherlands and the US (SEC registered offering).</font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">ii.</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%;padding-left:7.22pt">Qualified investors in EU member states (and potentially the UK).</font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">iii.</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%;padding-left:4.95pt">Retail investors in EU member states (and potentially the UK) where ING has a significant retail investor base, provided that it is feasible to meet local requirements (in ING&#8217;s 2009 rights offering, shares were offered to existing shareholders in Belgium, France, Germany, Luxembourg, Spain and the UK, where ING believed the vast majority of retail investors were located at that time).</font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">iv.</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%;padding-left:4.64pt">Qualified or institutional investors in Canada and Australia.</font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Retail investors in Canada and Australia and investors in Japan will not be included in such a share offering.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Shareholders who are not allowed, do not elect, or are unable to subscribe to a rights offering, are entitled to sell their rights in the market or receive any net financial benefit upon completion of a rump offering after the exercise period has ended.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The share issue authorisation that will be proposed to the 2024 General Meeting will be similar to the current applicable authorisation described above.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Transfer of shares and transfer restrictions</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Shares not included in the Securities Giro Transfer system are transferred by means of a deed of transfer between the transferor and the transferee. To become effective, ING Group has to acknowledge the transfer, unless ING Group itself is a party to the transfer. The Articles of Association do not restrict the transfer of ordinary shares, whereas the transfer of cumulative preference shares is subject to prior approval of the Executive Board. ING Group is not aware of the existence of any agreement pursuant to which the transfer of ordinary shares or American Depositary Receipts (ADRs) for such shares is restricted.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Shares that are included in the Securities Giro Transfer system are transferred in accordance with the Securities Giro Transfer Act (Wet Giraal Effectenverkeer). A shareholder, who wishes to transfer such shares, must instruct the securities intermediary where its shares are administered accordingly.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Acquisitions of shares</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING Group may acquire fully paid-up ordinary shares in its own share capital. Although the power to acquire shares is vested in the Executive Board and subject to the approval of the Supervisory Board, prior authorisation from the General Meeting is required for these acquisitions if a consideration is payable. Each year, a proposal is made to the General Meeting to authorise the acquisition of shares by the Executive Board for a period of 18 months. On 24 April 2023, the general meeting authorised the Executive Board to acquire ordinary shares in ING Group in the name of ING Group, upon approval of the Supervisory Board, for a period of 18 months, ending on 24 October 2024, subject to the following conditions and limits&#58;</font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:10.89pt">the nominal value of the ordinary shares in ING Group, which are acquired, held or pledged in favour of ING Group or are held by its subsidiaries for their own account, will not exceed 10% of the issued share capital of ING Group as at 24 April 2023.</font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:10.89pt">the purchase price will not be lower than than &#8364; 0.01 per share and not higher than 110% of the opening price of ING Group&#8217;s ordinary shares on Euronext Amsterdam on the day of the purchase or on the preceding day of stock market trading. </font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:10.89pt">Following this resolution, in May 2023, ING announced a share buyback programme for &#8364;1.5 billion.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Cancellation of shares</font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At the 2023 general meeting, the general meeting adopted the proposal to reduce the issued share capital of ING Group by cancelling ordinary shares acquired by ING Group in its own share capital up to a maximum of 10% of the issued share capital of ING Group as at 24 April 2023. The number of shares to be cancelled under this resolution shall be determined by the Executive Board. The cancellation may be executed in one or more tranches. The capital reduction will take place with due observance of the applicable laws and regulations and ING Group&#8217;s articles of association. </font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Following this resolution, in October 2023 the Executive Board resolved to cancel the 121,317,501 ordinary shares that were acquired in the share buyback programme that was completed on 13 October 2023. </font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Special rights of control</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">No special rights of control referred to in Article 10 of the directive of the European Parliament and the Council on takeover bids (2004&#47;25&#47;EC) are attached to any share.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Obligations to disclose shareholdings</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the Dutch Financial Supervision Act, shareholders and holders of American Depository Receipts (ADRs) of ING Group are required to provide an update on their holdings to the Dutch Authority for the Financial Markets (AFM) once their capital interest or voting rights reaches, exceed or falls below the threshold levels of 3%, 5%, 10%, 15%, 20%, 25%, 30%, 40%, 50%, 60%, 75% or 95%.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A notification requirement also applies if a person&#8217;s capital interest or voting rights reaches, exceeds or falls below the above-mentioned thresholds as a result of a change in ING&#8217;s total issued share capital or voting rights. Such notification must be made no later than the fourth trading day after the AFM has published ING&#8217;s notification of the change in its issued share capital.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The notification will be recorded in a public register that is held by the AFM and published on afm.nl&#47;en&#47;.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING Group is not aware of any investors (or potential shareholders) with an interest of 3% or more other than those shown in the ING shares chapter as per year-end 2023.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, any person who acquires or disposes of a net short position relating to the issued share capital of ING Group, whether by a transaction in shares or ADRs, or by a transaction creating or relating to any financial instrument where the effect or one of the effects of the transaction is to confer a financial advantage on the person entering into that transaction in the event of a change in the price of such shares or ADRs, is required to notify the AFM if, as a result of such acquisition or disposal, the person&#8217;s net short position reaches, exceeds or falls below 0.1% of the issued share capital of ING Group and each 0.1% above that. Each reported net short position equal to 0.5% of the issued share capital of ING Group and any subsequent increase of that position by 0.1% will be made public via the short selling register on afm.nl&#47;en&#47;.</font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ING Continuity Foundation</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING Continuity Foundation is a foundation organised under the laws of the Netherlands and was founded on 22 January 1991. According to its articles of association, the statutory goal of ING Continuity Foundation is to protect and to safeguard the independence, continuity and identity of ING. If the board of ING Continuity Foundation (the Board) believes the independence, continuity or the identity of ING is at risk, ING Continuity Foundation is entitled to acquire cumulative preference shares to be newly issued, provided that, following the issue, the number of cumulative preference shares issued may be no more than one third of the total number of shares issued. This entitlement is vested in the Articles of Association of ING Groep N.V.  On acquisition of cumulative preference shares, at least 25 percent of the nominal value must be paid on said shares.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Declaration of no objection</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A declaration of no objection from the ECB must be obtained by anyone wishing to acquire or hold a participating interest of at least 10% in ING Group and to exercise control attached to such a participating interest. Similarly, on the basis of indirect change of control statutes in the various jurisdictions where subsidiaries of ING Group are operating, permission from, or notification to, local regulatory authorities may be required for the acquisition of a substantial interest in ING Group.</font></div><div style="margin-bottom:4pt;margin-top:17pt"><font><br></font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div><div style="margin-bottom:4pt;margin-top:17pt;text-align:center"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">DEBT SECURITIES</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Each series of notes listed on the New York Stock Exchange and set forth on the cover page to ING&#8217;s annual report on Form 20-F for the year ended December 31, 2023 has been issued by ING. Each of these series of notes was issued pursuant to an effective registration statement and a related prospectus and prospectus supplement setting forth the terms of the relevant series of notes.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth the dates of the registration statements, dates of the base prospectuses and dates of issuance for each relevant series of notes (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Notes</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.395%"><tr><td style="width:1.0%"></td><td style="width:37.104%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.209%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.547%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.740%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt;text-align:right"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Series&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt;text-align:right"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Registration Statement&#160;&#160;&#160;&#160;</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt;text-align:right"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Date of Base Prospectus&#160;&#160;&#160;&#160;</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt;text-align:right"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Date of Issuance </font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:7.5pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.950% Fixed Rate Senior Notes due 2027</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:13.8pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-202880</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 21, 2017</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:3.55pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 29, 2017</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:7.5pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.550% Fixed Rate Senior Notes due 2028</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:13.75pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-227391</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 18, 2018</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:3.55pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">October 2, 2018</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:7.5pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.550% Fixed Rate Senior Notes due 2024</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:13.75pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-227391</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 18, 2018</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:3.5pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 9, 2019</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:7.5pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.050% Fixed Rate Senior Notes due 2029</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:13.75pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-227391</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 18, 2018</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:3.5pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 9, 2019</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:2.75pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.726% Callable Fixed-to-Floating Rate Senior Notes due 2027</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:13.8pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-248407</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 4, 2020</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:3.5pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 1, 2021</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:2.75pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.727% Callable Fixed-to-Floating Rate Senior Notes due 2032</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:13.8pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-248407</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 4, 2020</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:3.5pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 1, 2021</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:7.5pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Callable Floating Rate Senior Notes due 2027</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:13.8pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-248407</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 4, 2020</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:3.5pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 1, 2021</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.869% Callable Fixed-to-Floating Rate Senior Notes due 2026</font><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-348407</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 4, 2020</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 21, 2022</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.017% Callable Fixed-to-Floating Rate Senior Notes due 2028</font><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-248407</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 4, 2020</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 21, 2022</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.252% Callable Fixed-to-Floating Rate Senior Notes due 2033</font><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-248407</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 4, 2020</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 21, 2022</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Callable Floating Rate Senior Notes due 2026</font><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-248407</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 4, 2020</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 21, 2022</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6.083% Callable Fixed-to-Floating Rate Senior Notes due 2027(2)</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-266516</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">August 19, 2022</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 11, 2023</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Callable Floating Rate Senior Notes due 2027(2)</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-266516</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">August 19, 2022</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 11, 2023</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6.114% Callable Fixed-to-Floating Rate Senior Notes due 2034(2)</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">333-266516</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">August 19, 2022</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 11, 2023</font></td></tr></table></div><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1) The 3.869% Callable Fixed-to-Floating Rate Senior Notes due 2026, the 4.017% Callable Fixed-to-Floating Rate Senior Notes due 2028, the 4.252% Callable Fixed-to-Floating Rate Senior Notes due 2033 and the Callable Floating Rate Senior Notes due 2026 (together, the &#8220;2022 issued Notes&#8221;).</font></div><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2) The 6.083% Callable Fixed-to-Floating Rate Senior Notes due 2027, the Callable Floating Rate Senior Notes due 2027 and the 6.114% Callable Fixed-to-Floating Rate Senior Notes due 2034 (together, the &#8220;2023 Issued Notes&#8221;).</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following description of our Notes is a summary and does not purport to be complete and is qualified in its entirety by the full terms of the Notes.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Description of the Fixed Rate Notes</font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fixed rate notes set forth in the table below (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">fixed rate notes</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) were issued in the aggregate principal amount, and unless previously redeemed and cancelled will mature on the Maturity Date and will bear interest at the rate per annum, set forth in the table below&#58;</font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.242%"><tr><td style="width:1.0%"></td><td style="width:35.767%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:21.526%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.678%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:19.629%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Aggregate Principal Amount</font><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#160;&#160;Maturity Date </font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Fixed Interest Rate&#160;&#160;&#160;&#160;</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2027 notes ................................................</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:15.15pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$1,500,000,000</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:0.9pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 29, 2027</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:15.2pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.950%</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2028 notes ................................................</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:15.15pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$1,250,000,000</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:0.85pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">October 2, 2028</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:15.2pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.550%</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2024 notes ................................................</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:15.15pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$1,000,000,000</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:0.8pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 9, 2024</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:15.2pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.550%</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2029 notes ................................................</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:15.15pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$1,000,000,000</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:0.8pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 9, 2029</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:15.2pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.050%</font></div></td></tr></table></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest on the fixed rate notes will be payable semi-annually in arrear on the Fixed Rate Interest Payment Dates, commencing on the First Fixed Rate Interest Payment Date, set forth in the table below&#58;</font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.010%"><tr><td style="width:1.0%"></td><td style="width:42.955%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:29.144%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.601%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Fixed Rate Interest Payment Dates&#160;&#160;&#160;&#160;</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:15pt;margin-top:15pt;text-align:center"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">First Fixed Rate Interest Payment Date&#160;&#160;&#160;&#160;</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2027 notes.......................................................</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 29 and September 29 of each year</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 29, 2017</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2028 notes.......................................................</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 2 and October 2 of each year</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 2, 2019</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2024 notes.......................................................</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 9 and October 9 of each year</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">October 9, 2019</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2029 notes.......................................................</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 9 and October 9 of each year</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">October 9, 2019</font></div></td></tr></table></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The regular record dates for the fixed rate notes will be the Business Day immediately preceding each Fixed Rate Interest Payment Date (or, if the fixed rate notes are held in definitive form, the 15th Business Day preceding each Fixed Rate Interest Payment Date).</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If any scheduled Fixed Rate Interest Payment Date is not a Business Day, we will pay interest on the next succeeding Business Day, but interest on that payment will not accrue during the period from and after the scheduled Fixed Rate Interest Payment Date. If the Maturity Date or date of redemption or repayment is not a Business Day, we may pay interest and principal and&#47;or any amount payable upon redemption of the fixed rate notes on the next succeeding Business Day, but interest on that payment will not accrue during the period from and after such Maturity Date or date of redemption or repayment. Interest on the fixed rate notes will be computed on the basis of a 360-day year of twelve 30-day months.</font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Description of the Callable Fixed-to-Floating and the Callable Floating Rate Notes</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The callable fixed-to-floating rate senior notes set forth in the table below (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">fixed-to-floating notes</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and the callable floating rate Notes (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">callable floating rate notes</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) were issued in the applicable aggregate principal amount, and unless previously redeemed and cancelled, will mature on the applicable Maturity Date and, from (and including) the Issue Date to (but excluding) the applicable Call Date (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Fixed Rate Period</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), will bear interest at the applicable Fixed Interest Rate per annum (except for the callable floating rate notes, in which case the Fixed Interest Period is not applicable) as set forth in the table below&#58;</font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.088%"><tr><td style="width:1.0%"></td><td style="width:26.950%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.611%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.174%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.491%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.274%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Aggregate Principal Amount&#160;&#160;&#160;&#160;</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Maturity Date&#160;&#160;&#160;&#160;</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Fixed Interest Rate&#160;&#160;&#160;&#160;</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Call Date&#160;&#160;&#160;&#160;</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2027 fixed-to-floating rate notes ................................</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$1,100,000,000</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 1, 2027</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.726%</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 1, 2026</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2032 fixed to-floating rate notes ................................</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$750,000,000</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 1, 2032</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.727%</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 1, 2031</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2026 fixed-to-floating rate notes ................................</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$1,250,000,000</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 28, 2026</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.869%</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 28, 2025</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2028 fixed-to-floating rate notes ................................</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$1,250,000,000</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 28, 2028</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.017%</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 28, 2027</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2033 fixed-to-floating rate notes ................................</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$1,000,000,000</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 28, 2033</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.252%</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 28, 2032</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2027 fixed-to-floating rate notes................................</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$1,250,000,000</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 11, 2027</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6.083%</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 11, 2026</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2034 fixed-to-floating rate notes................................</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$1,250,000,000</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 11, 2034</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6.114%</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 11, 2033</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2027 callable floating rate notes ................................</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$400,000,000</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 1, 2027</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">N&#47;A</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">April 1, 2026</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2026 callable floating rate notes ................................</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$500,000,000</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 28, 2026</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">N&#47;A</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 28, 2025</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2027 callable floating rate notes...............................</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$500,000,000</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 11, 2027</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">N&#47;A</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">September 11, 2026</font></td></tr></table></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">From (and including) the applicable Call Date (or the Issue Date in the case of the callable floating rate notes) to (but excluding) the applicable Maturity Date, each of the fixed-to- floating notes and callable floating rate notes will bear interest at the applicable rate per annum equal to the applicable Floating Interest Rate set forth in the table below&#58;</font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.088%"><tr><td style="width:1.0%"></td><td style="width:40.738%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:57.062%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:11pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:9pt;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;Floating Interest Rate&#160;&#160;&#160;&#160;</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2027 fixed-to-floating notes ..........................</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:-2.2pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The sum of (A) the SOFR Index Average (as defined below), as determined, with respect to each Floating Rate Interest Period (as defined below), on the applicable Floating Rate Interest Determination Date (as defined below), and (B) 1.005% per annum, provided that the Floating Interest Rate with respect to any Floating Rate Interest Period shall be subject to a minimum rate per annum of 0.00% (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Minimum Rate</font><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8221;).</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2032 fixed-to-floating notes ..........................</font></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-right:-2.2pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The sum of (A) the SOFR Index Average, as determined, with respect to each Floating Rate Interest Period, on the applicable Floating Rate Interest Determination Date, and (B) 1.316% per annum, subject to the Minimum Rate.</font></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2026 fixed-to-floating rate notes ..................</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The sum of (A) the SOFR Index Average, as determined, with respect to each Floating Rate Interest Period, on the applicable Floating Rate Interest Determination Date, and (B) 1.640% per annum, subject to the Minimum Rate.</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2028 fixed-to-floating rate notes ..................</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The sum of (A) the SOFR Index Average, as determined, with respect to each Floating Rate Interest Period, on the applicable Floating Rate Interest Determination Date, and (B) 1.830% per annum, subject to the Minimum Rate.</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2033 fixed-to-floating rate notes ..................</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The sum of (A) the SOFR Index Average, as determined, with respect to each Floating Rate Interest Period, on the applicable Floating Rate Interest Determination Date, and (B) 2.070% per annum, subject to the Minimum Rate.</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2027 fixed-to-floating rate notes</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The sum of (A) the SOFR Index Average, as determined, with<br>respect to each Floating Rate Interest Period, on the applicable Floating Rate Interest Determination Date, and<br>(B) 1.560% per annum, subject to the Minimum Rate.<br></font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2034 fixed-to-floating rate notes</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The sum of (A) the SOFR Index Average, as determined, with<br>respect to each Floating Rate Interest Period, on the applicable Floating Rate Interest Determination Date, and<br>(B) 2.090% per annum, subject to the Minimum Rate.<br></font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2027 callable floating rate notes ...................</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The sum of (A) the SOFR Index Average, as determined, with respect to each Floating Rate Interest Period, on the applicable Floating Rate Interest Determination Date, and (B) 1.010% per annum, subject to the Minimum Rate. </font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2026 callable floating rate notes ...................</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The sum of (A) the SOFR Index Average, as determined, with respect to each Floating Rate Interest Period, on the applicable Floating Rate Interest Determination Date, and (B) 1.640% per annum, subject to the Minimum Rate.</font></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2027 callable floating rate notes</font></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The sum of (A) the SOFR Index Average, as determined, with<br>respect to each Floating Rate Interest Period, on the applicable Floating Rate Interest Determination Date, and<br>(B) 1.560% per annum, subject to the Minimum Rate.<br></font></td></tr></table></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SOFR Index Average</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; for each Floating Rate Interest Period shall be equal to the value of the SOFR rates for each day during the relevant Floating Rate Interest Period as calculated by the Calculation Agent.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Floating Rate Period</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; shall be (i) for each series of fixed-to-floating rate notes, the period from (and including) the applicable Call Date to (but excluding) the applicable Maturity Date and (ii) for each series of callable floating rate notes, the period from (and including) the Issue Date to (but excluding) the applicable Maturity Date.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With respect to the applicable Fixed Rate Period, (i) interest on each of the 2027 fixed-to-floating rate notes due April 1, 2027 and the 2032 fixed-to-floating rate notes will be payable semi-annually in arrear on April 1 and October 1 of each year, commencing on October 1, 2021, and ending on (and including) the applicable Call Date, (ii) interest on each of the 2026, 2028 and 2033 fixed-to-floating rate notes will be payable semi-annually in arrear on March 28 and September 28 of each year, commencing on September 28, 2022, and ending on (and including) the applicable Call Date, and (iii) interest on each of the 2027 fixed-to-floating rate notes due September 11, 2027 and the 2034 fixed-to-floating rate notes will be payable semi-annually in arrear on March 11 and September 11 of each year, commencing on March 11, 2024, and ending on (and including) the applicable Call Date (each a &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Fixed Rate Interest Payment Date</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;)&#59; provided that if any Fixed Interest Payment Date would fall on a day that is not a Business Day (as defined below), the related payment of interest will be made on the next succeeding Business Day as if made on the date that such payment was due, and no interest will accrue on such amount payable during the period from and after the applicable Fixed Rate Interest Payment Date.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With respect to the applicable Floating Rate Period (i) interest on the fixed-to-floating 2027 notes due April 1, 2027 will be payable quarterly in arrear on July 1, 2026, October 1, 2026, January 1, 2027 and the applicable Maturity Date, (ii) interest on the fixed-to-floating 2032 notes will be payable quarterly in arrear on July 1, 2031, October 1, 2031, January 1, 2032 and the applicable Maturity Date, (iii) interest on the fixed-to-floating 2026 notes will be payable quarterly in arrear on June 28, 2025, September 28, 2025, December 28, 2025 and the applicable Maturity Date,  (iv) interest on the fixed-to-floating 2028 notes will be payable quarterly in arrear on June 28, 2027, September 28, 2027, December 28, 2027 and the applicable Maturity Date, (v) interest on the fixed-to-floating 2033 notes will be payable quarterly in arrear on June 28, 2032, September 28, 2032, December 28, 2032 and the applicable Maturity Date,  (vi) interest on the fixed-to-floating 2027 notes due September 11, 2027 will be payable quarterly in arrear on December 11, 2026, March 11, 2027, June 11, 2027 and the applicable Maturity Date, (vii) interest on the fixed-to-floating 2034 notes will be payable quarterly in arrear on December 11, 2033, March 11, 2034, June 11, 2034 and the applicable Maturity Date, (viii) interest on the 2027 floating rate notes due April 1, 2027 will be payable quarterly in arrear on every January 1, April 1, July 1 and October 1 in each year, commencing on July 1, 2021, and ending on (and including) the applicable Maturity Date, (ix) interest on the 2026 floating rate notes will be payable quarterly in arrear on every March 28, June 28, September 28 and December 28 in each year, commencing on June 28, 2022, and ending on (and including) the applicable Maturity Date, and (x) interest on the 2027 floating rate notes due September 11, 2027 will be payable quarterly in arrear on every March 11, June 11, September 11 and December 11 in each year, commencing on December 11, 2023, and ending on (and including) the applicable Maturity Date (each a &#8220;Floating Rate Interest Payment Date&#8221; and, together with each Fixed Rate Interest Payment Date, an &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Interest Payment Date</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;)&#59; provided that if any Floating Rate </font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest Payment Date (other than the applicable Maturity Date or any date of redemption or repayment) would fall on a day that is not a Business Day (as defined below), such Floating Rate Interest Payment Date will be postponed to the next succeeding Business Day. If the next succeeding Business Day falls in the next calendar month, however, then the relevant Floating Rate Interest Payment Date (other than the applicable Maturity Date or any date of redemption or repayment) shall be brought forward to the immediately preceding day that is a Business Day.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The regular record dates for the notes will be the Business Day immediately preceding each Interest Payment Date for each series (or, if the notes are held in definitive form, the 15th Business Day preceding each Interest Payment Date).</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If the Maturity Date or date of redemption or repayment is not a Business Day, the Issuer will pay interest and principal and&#47;or any amount payable upon redemption of the notes on the next succeeding Business Day, but interest on such payment will not accrue during the period from and after such original Maturity Date or date of redemption or repayment.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the applicable Fixed Rate Period, interest on each of the fixed-to-floating rate notes will be computed on the basis of a 360-day year of twelve 30-day months.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the applicable Floating Rate Period, interest on each of the notes will be computed on the basis of the actual number of days in each Interest Period and a 360-day year.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;Business Day&#8221; means any weekday, other than one on which banking institutions are authorized or obligated by law or executive order to close in London, England, Amsterdam, the Netherlands or in the City of New York, United States.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the applicable Floating Rate Period, the interest period with respect to each of the notes will begin on (and include) a Floating Rate Interest Payment Date and end on (but exclude) the following Floating Rate Interest Payment Date (each, a &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Floating Rate Interest Period</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;)&#59; provided, however, that the initial Floating Rate Interest Period (i) with respect to the fixed-to-floating rate notes will be the period from (and including) the applicable Call Date, to (but excluding) the initial Floating Rate Interest Payment Date, and (ii) with respect to the floating rate notes, will be the period from (and including) the Issue Date, to (but excluding) the initial Floating Rate Interest Payment Date. The floating rate interest determination date (&#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Floating Rate Interest Determination Date</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) for each Floating Rate Interest Period will be on the fifth U.S. Government Securities Business Day (as defined below) preceding the applicable Floating Rate Interest Payment Date. &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">U.S. Government Securities Business Day</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; means any day except for a Saturday, Sunday or a day on which the Securities Industry and Financial Markets Association recommends that the fixed income departments of its members be closed for the entire day for purposes of trading in U.S. government securities.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SOFR</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; means, with respect to any day (including any U.S. Government Securities Business Day), the rate determined by the Calculation Agent, as the case may be, in accordance with the following provisions&#58; (i) the Secured Overnight Financing Rate published at the SOFR Determination Time, as such rate is reported on the </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Bloomberg Screen SOFRRATE Page, then the Secured Overnight Financing Rate published at the SOFR Determination Time, as such rate is reported on the Reuters Page USDSOFR&#61; or, if no such rate is reported on the Reuters Page USDSOFR&#61;, then the Secured Overnight Financing Rate that appears at the SOFR Determination Time on the NY Federal Reserve&#8217;s Website&#59; or (ii) if the rate specified in (i) above does not appear, the SOFR published on the NY Federal Reserve&#8217;s Website for the first preceding U.S. Government Securities Business Day for which SOFR was published on the NY Federal Reserve&#8217;s Website.</font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Terms Applicable to the 2024 Notes and the 2029 Notes</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Agreement and Acknowledgement with Respect to the Exercise of Dutch Bail-in Power</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With a view to Article 55 of the Directive 2014&#47;59&#47;EU of the European Parliament and of the Council (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Bank Recovery and Resolution Directive</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; or &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BRRD</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), the Issuer has included the following two paragraphs in the terms of the notes&#58;</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(a)&#160;&#160;&#160;&#160;By acquiring any notes, each holder and beneficial owner of a note or any interest therein acknowledges, agrees to be bound by, and consents to the exercise of, any Dutch Bail-in Power by the relevant resolution authority that may result in the cancellation of all, or a portion, of the principal amount of, or interest on, the notes and&#47;or the conversion of all, or a portion, of the principal amount of, or interest on, the notes into shares or other securities or other obligations of the Issuer or another person, including by means of a variation to the terms of the notes or any expropriation of the notes, in each case, to give effect to the exercise by the relevant resolution authority of such Dutch Bail-in Power (whether at the point of non-viability or as taken together with a resolution action). Each holder and beneficial owner of a note or any interest therein further acknowledges and agrees that the rights of the holders and beneficial owners of the notes are subject to, and will be varied, if necessary, so as to give effect to, the exercise of any Dutch Bail-in Power by the relevant resolution authority. In addition, by acquiring any notes, each holder and beneficial owner of a note or any interest therein further acknowledges, agrees to be bound by, and consents to the exercise by the relevant resolution authority of, any power to suspend any payment in respect of the notes for a temporary period.</font></div><div><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">(b)&#160;&#160;&#160;&#160;For these purposes, a &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:125%">Dutch Bail-in Power</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">&#8221; is any statutory write-down and&#47;or conversion power existing from time to time under any laws, regulations, rules or requirements relating to the resolution of banks, banking group companies, credit institutions and&#47;or investment firms incorporated in The Netherlands in effect and applicable in The Netherlands to the Issuer or other members of the Group, including but not limited to any such laws, regulations, rules or requirements that are implemented, adopted or enacted within the context of a European Union directive or regulation of the European Parliament and of the Council establishing a framework for the recovery and resolution of credit institutions and investment firms (including but not limited to the BRRD and Regulation (EU) No 806&#47;2014 of the European Parliament and of the Council (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:125%">SRM Regulation</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">&#8221;)) and&#47;or within the context of a Dutch resolution regime under the Dutch Intervention Act and any amendments thereto, or otherwise, pursuant to which obligations of a bank, banking group company, credit institution or investment firm or any of its affiliates can be reduced, cancelled and&#47;or converted into shares or other securities or obligations of the obligor or any other person </font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">(whether at the point of non-viability or as taken together with a resolution action) or may be expropriated (and a reference to the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:125%">relevant resolution authority</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">&#8221; is to any authority with the ability to exercise a Dutch Bail-in Power).</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Dutch Bail-in Power may be imposed without any prior notice by the relevant resolution authority of its decision to exercise such power. No principal of, or interest on, the notes shall become due and payable after the exercise of any Dutch Bail-in Power by the relevant resolution authority except as permitted under the laws and regulations of The Netherlands and the European Union applicable to the Issuer.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the exercise of any Dutch Bail-In Power may require interests in the notes and&#47;or other actions implementing any Dutch Bail-In Power to be held or taken, as the case may be, through clearing systems, intermediaries or persons other than DTC.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See also &#8220;Risk Factors &#8212; Under the terms of the notes, you have agreed to be bound by the exercise of any Dutch Bail- in Power by the relevant resolution authority&#8221; in the applicable prospectus supplement.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder and beneficial owner of a note or any interest therein, to the extent permitted by the Trust Indenture Act, shall be deemed to waive any and all claims against the trustee for, and to agree not to initiate a suit against the trustee in respect of, and to agree that the trustee shall not be liable for, any action that the trustee takes, or abstains from taking, in either case in accordance with the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the notes.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Issuer shall provide a written notice directly to DTC as soon as practicable of any exercise of the Dutch Bail-in Power with respect to the notes by the relevant resolution authority for purposes of notifying holders of such occurrence, including the amount of any cancellation of all, or a portion, of the principal amount of, or interest on, such capital securities. The Issuer shall also deliver a copy of such notice to the trustee for information purposes. Failure to provide such notices will not have any impact on the effectiveness of, or otherwise invalidate, any such exercise of the Dutch Bail-in Power.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder of the notes acknowledges and agrees that the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the notes shall not give rise to a default for purposes of Section 315(b) (Notice of Defaults) and Section 315(c) (Duties of the Trustee in Case of Default) of the Trust Indenture Act.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder and beneficial owner of a note or any interest therein acknowledges and agrees that, upon the exercise of any Dutch Bail-in Power by the relevant resolution authority, (a) the trustee shall not be required to take any further directions from holders of the notes under Section 5.15 (Control by Holders) of the Indenture and (b) the Indenture shall impose no duties upon the trustee whatsoever with respect to the exercise of any Dutch Bail-in Power by the relevant resolution authority. If holders or beneficial owners of the notes have given a direction to the trustee pursuant to Section 5.15 of the Indenture prior to the exercise of any Dutch Bail-in Power by the relevant resolution authority, such direction shall cease to be of further effect upon such exercise of any Dutch Bail-in Power and shall become null and </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">void at such time. Notwithstanding the foregoing, if, following the completion of the exercise of the Dutch Bail-in Power by the relevant resolution authority, the notes remain outstanding (for example, if the exercise of the Dutch Bail-in Power results in only a partial write-down of the principal of the notes), then the trustee&#8217;s duties under the Indenture shall remain applicable with respect to the notes following such completion to the extent that the Issuer and the trustee shall agree. </font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any of the notes, each holder of the notes shall be deemed to have (a) consented to the exercise of any Dutch Bail-in Power as it may be imposed without any prior notice by the relevant resolution authority of its decision to exercise such power with respect to the relevant notes and (b) authorized, directed and requested DTC and any direct participant in DTC or other intermediary through which it holds the relevant notes to take any and all necessary action, if required, to implement the exercise of any Dutch Bail-in Power with respect to the relevant notes as it may be imposed, without any further action or direction on the part of such holder or the trustee.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the terms of the 2024 and 2029 notes, the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the relevant notes will not be an Event of Default (as defined in the Indenture).</font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Terms Applicable to the 2028 Notes </font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Agreement and Acknowledgement with Respect to the Exercise of Dutch Bail-in Power</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With a view to Article 55 of the Directive 2014&#47;59&#47;EU of the European Parliament and of the Council (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Bank Recovery and Resolution Directive</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; or &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BRRD</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), the Issuer has included the following two paragraphs in the terms of the notes&#58;</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(a)&#160;&#160;&#160;&#160;By acquiring any notes, each holder and beneficial owner of a note or any interest therein acknowledges, agrees to be bound by, and consents to the exercise of, any Dutch Bail-in Power by the relevant resolution authority that may result in the cancellation of all, or a portion, of the principal amount of, or interest on, the notes and&#47;or the conversion of all, or a portion, of the principal amount of, or interest on, the notes into shares or other securities or other obligations of the Issuer or another person, including by means of a variation to the terms of the notes or any expropriation of the notes, in each case, to give effect to the exercise by the relevant resolution authority of such Dutch Bail-in Power (whether at the point of non-viability or as taken together with a resolution action). Each holder and beneficial owner of a note or any interest therein further acknowledges and agrees that the rights of the holders and beneficial owners of the notes are subject to, and will be varied, if necessary, so as to give effect to, the exercise of any Dutch Bail-in Power by the relevant resolution authority. In addition, by acquiring any notes, each holder and beneficial owner of a note or any interest therein further acknowledges, agrees to be bound by, and consents to the exercise by the relevant resolution authority of, any power to suspend any payment in respect of the notes for a temporary period.</font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(b)&#160;&#160;&#160;&#160;For these purposes, a &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Dutch Bail-in Power</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; is any statutory write-down and&#47;or conversion power existing from time to time under any laws, regulations, rules or requirements relating to the resolution of banks, banking group companies, credit institutions and&#47;or investment firms incorporated in The Netherlands in effect and applicable in The Netherlands to the Issuer or other members of the Group, including but not limited to any such laws, regulations, rules or requirements that are implemented, adopted or enacted within the context of a European Union directive or regulation of the European Parliament and of the Council establishing a framework for the recovery and resolution of credit institutions and investment firms (including but not limited to the BRRD and Regulation (EU) No 806&#47;2014 of the European Parliament and of the Council (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SRM Regulation</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;)) and&#47;or within the context of a Dutch resolution regime under the Dutch Intervention Act and any amendments thereto, or otherwise, pursuant to which obligations of a bank, banking group company, credit institution or investment firm or any of its affiliates can be reduced, cancelled and&#47;or converted into shares or other securities or obligations of the obligor or any other person or may be expropriated (and a reference to the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">relevant resolution authority</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; is to any authority with the ability to exercise a Dutch Bail-in Power).</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Dutch Bail-in Power may be imposed without any prior notice by the relevant resolution authority of its decision to exercise such power. No principal of, or interest on, the notes shall become due and payable after the exercise of any Dutch Bail-in Power by the relevant resolution authority except as permitted under the laws and regulations of The Netherlands and the European Union applicable to the Issuer.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the exercise of any Dutch Bail-In Power may require interests in the notes and&#47;or other actions implementing any Dutch Bail-In Power to be held or taken, as the case may be, through clearing systems, intermediaries or persons other than DTC.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See also &#8220;Risk Factors &#8212; Under the terms of the notes, you have agreed to be bound by the exercise of any Dutch Bail- in Power by the relevant resolution authority&#8221; in the applicable prospectus supplement.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder and beneficial owner of a note or any interest therein, to the extent permitted by the Trust Indenture Act, shall be deemed to waive any and all claims against the trustee for, and to agree not to initiate a suit against the trustee in respect of, and to agree that the trustee shall not be liable for, any action that the trustee takes, or abstains from taking, in either case in accordance with the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the notes.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Issuer shall provide a written notice directly to DTC as soon as practicable of any exercise of the Dutch Bail-in Power with respect to the notes by the relevant resolution authority for purposes of notifying holders of such occurrence, including the amount of any cancellation of all, or a portion, of the principal amount of, or interest on, such capital securities. The Issuer shall also deliver a copy of such notice to the trustee for information purposes. Failure to provide such notices will not have any impact on the effectiveness of, or otherwise invalidate, any such exercise of the Dutch Bail-in Power.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder of the notes acknowledges and agrees that the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the notes shall not give rise to a default for </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">purposes of Section 315(b) (Notice of Defaults) and Section 315(c) (Duties of the Trustee in Case of Default) of the Trust Indenture Act.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder and beneficial owner of a note or any interest therein acknowledges and agrees that, upon the exercise of any Dutch Bail-in Power by the relevant resolution authority, (a) the trustee shall not be required to take any further directions from holders of the notes under Section 5.15 (Control by Holders) of the Indenture and (b) the Indenture shall impose no duties upon the trustee whatsoever with respect to the exercise of any Dutch Bail-in Power by the relevant resolution authority. If holders or beneficial owners of the notes have given a direction to the trustee pursuant to Section 5.15 of the Indenture prior to the exercise of any Dutch Bail-in Power by the relevant resolution authority, such direction shall cease to be of further effect upon such exercise of any Dutch Bail-in Power and shall become null and void at such time. Notwithstanding the foregoing, if, following the completion of the exercise of the Dutch Bail-in Power by the relevant resolution authority, the notes remain outstanding (for example, if the exercise of the Dutch Bail-in Power results in only a partial write-down of the principal of the notes), then the trustee&#8217;s duties under the Indenture shall remain applicable with respect to the notes following such completion to the extent that the Issuer and the trustee shall agree.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any of the notes, each holder of the notes shall be deemed to have (a) consented to the exercise of any Dutch Bail-in Power as it may be imposed without any prior notice by the relevant resolution authority of its decision to exercise such power with respect to the relevant notes and (b) authorized, directed and requested DTC and any direct participant in DTC or other intermediary through which it holds the relevant notes to take any and all necessary action, if required, to implement the exercise of any Dutch Bail-in Power with respect to the relevant notes as it may be imposed, without any further action or direction on the part of such holder or the trustee.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the terms of each of the 2023 notes, the 2028 notes and the 2023 floating rate notes, the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the relevant notes will not be an Event of Default (as defined in the Indenture).</font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Terms applicable to the 2027 Notes</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Agreement and Acknowledgement with Respect to the Exercise of Dutch Bail-in Power</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With a view to Article 55 of the Directive 2014&#47;59&#47;EU of the European Parliament and of the Council (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Bank Recovery and Resolution Directive</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; or &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BRRD</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), the Issuer has included the following two paragraphs in the terms of the notes&#58;</font></div><div><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">(a)&#160;&#160;&#160;&#160;By acquiring any notes, each holder and beneficial owner of a note or any interest therein acknowledges, agrees to be bound by, and consents to the exercise of, any Dutch Bail-in Power by the relevant resolution authority that may result in the cancellation of all, or a portion, of the principal amount of, or interest on, the notes and&#47;or the conversion of all, or a portion, of the principal amount of, or interest on, the notes into shares or other securities or other obligations of the Issuer or another person, including by </font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">means of a variation to the terms of the notes or any expropriation of the notes, in each case, to give effect to the exercise by the relevant resolution authority of such Dutch Bail-in Power. Each holder and beneficial owner of a note or any interest therein further acknowledges and agrees that the rights of the holders and beneficial owners of the notes are subject to, and will be varied, if necessary, so as to give effect to, the exercise of any Dutch Bail-in Power by the relevant resolution authority. In addition, by acquiring any notes, each holder and beneficial owner of a note or any interest therein further acknowledges, agrees to be bound by, and consents to the exercise by the relevant resolution authority of, any power to suspend any payment in respect of the notes for a temporary period.</font></div><div><font><br></font></div><div><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">(b)&#160;&#160;&#160;&#160;For these purposes, a &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:125%">Dutch Bail-in Power</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">&#8221; is any statutory write-down and&#47;or conversion power existing from time to time under any laws, regulations, rules or requirements relating to the resolution of banks, banking group companies, credit institutions and&#47;or investment firms incorporated in The Netherlands in effect and applicable in The Netherlands to the Issuer or other members of the Group, including but not limited to any such laws, regulations, rules or requirements that are implemented, adopted or enacted within the context of a European Union directive or regulation of the European Parliament and of the Council establishing a framework for the recovery and resolution of credit institutions and investment firms (including but not limited to the BRRD and Regulation (EU) No 806&#47;2014 of the European Parliament and of the Council (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:125%">SRM Regulation</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">&#8221;)) and&#47;or within the context of a Dutch resolution regime under the Dutch Intervention Act and any amendments thereto, or otherwise, pursuant to which obligations of a bank, banking group company, credit institution or investment firm or any of its affiliates can be reduced, cancelled and&#47;or converted into shares or other securities or obligations of the obligor or any other person or may be expropriated (and a reference to the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:125%">relevant resolution authority</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">&#8221; is to any authority with the ability to exercise a Dutch Bail-in Power).</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Dutch Bail-in Power may be imposed without any prior notice by the relevant resolution authority of its decision to exercise such power. No principal of, or interest on, the notes shall become due and payable after the exercise of any Dutch Bail-in Power by the relevant resolution authority except as permitted under the laws and regulations of The Netherlands and the European Union applicable to the Issuer.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the exercise of any Dutch Bail-In Power may require interests in the notes and&#47;or other actions implementing any Dutch Bail-In Power to be held or taken, as the case may be, through clearing systems, intermediaries or persons other than DTC.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See also &#8220;Risk Factors &#8212; Under the terms of the notes, you have agreed to be bound by the exercise of any Dutch Bail-in Power by the relevant resolution authority&#8221; in the applicable prospectus supplement.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder and beneficial owner of a note or any interest therein, to the extent permitted by the Trust Indenture Act, shall be deemed to waive any and all claims against the trustee for, and to agree not to initiate a suit against the trustee in respect of, and to agree that the trustee shall not be liable for, any action that the trustee takes, or abstains from taking, in either case in accordance with the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the notes.</font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Issuer shall provide a written notice directly to DTC as soon as practicable of any exercise of the Dutch Bail-in Power with respect to the notes by the relevant resolution authority for purposes of notifying holders of such occurrence. The Issuer shall also deliver a copy of such notice to the trustee for information purposes.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder of the notes acknowledges and agrees that the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the notes shall not give rise to a default for purposes of Section 315(b) (Notice of Defaults) and Section 315(c) (Duties of the Trustee in Case of Default) of the Trust Indenture Act.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder and beneficial owner of a note or any interest therein acknowledges and agrees that, upon the exercise of any Dutch Bail-in Power by the relevant resolution authority, (a) the trustee shall not be required to take any further directions from holders of the notes under Section 5.15 (Control by Holders) of the Indenture and (b) the Indenture shall impose no duties upon the trustee whatsoever with respect to the exercise of any Dutch Bail-in Power by the relevant resolution authority. If holders or beneficial owners of the notes have given a direction to the trustee pursuant to Section 5.15 of the Indenture prior to the exercise of any Dutch Bail-in Power by the relevant resolution authority, such direction shall cease to be of further effect upon such exercise of any Dutch Bail-in Power and shall become null and void at such time. Notwithstanding the foregoing, if, following the completion of the exercise of the Dutch Bail-in Power by the relevant resolution authority, the notes remain outstanding (for example, if the exercise of the Dutch Bail-in Power results in only a partial write-down of the principal of the notes), then the trustee&#8217;s duties under the Indenture shall remain applicable with respect to the notes following such completion to the extent that the Issuer and the trustee shall agree.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any of the notes, each holder of the notes shall be deemed to have (a) consented to the exercise of any Dutch Bail-in Power as it may be imposed without any prior notice by the relevant resolution authority of its decision to exercise such power with respect to the relevant notes and (b) authorized, directed and requested DTC and any direct participant in DTC or other intermediary through which it holds the relevant notes to take any and all necessary action, if required, to implement the exercise of any Dutch Bail-in Power with respect to the relevant notes as it may be imposed, without any further action or direction on the part of such holder or the trustee.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the terms of the 2027 notes, the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the relevant notes will not be an Event of Default (as defined in the Indenture).</font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Terms Applicable to the 2027 Fixed-to-Floating Notes Due April 1, 2027, the 2032 Fixed-to-Floating Notes and the 2027 Floating Rate Notes Due April 1, 2027</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Agreement and Acknowledgement with Respect to the Exercise of Dutch Bail-in Power</font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With a view to Article 55 of the Directive 2014&#47;59&#47;EU of the European Parliament and of the Council (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Bank Recovery and Resolution Directive</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; or &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BRRD</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), the Issuer has included the following two paragraphs in the terms of the notes&#58;</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(a)&#160;&#160;&#160;&#160;By acquiring any notes, each holder and beneficial owner of a note or any interest therein acknowledges, agrees to be bound by, and consents to the exercise of, any Dutch Bail-in Power by the relevant resolution authority that may result in the cancellation of all, or a portion, of the principal amount of, or interest on, the notes and&#47;or the conversion of all, or a portion, of the principal amount of, or interest on, the notes into shares or other securities or other obligations of the Issuer or another person, including by means of a variation to the terms of the notes or any expropriation of the notes, in each case, to give effect to the exercise by the relevant resolution authority of such Dutch Bail-in Power. Each holder and beneficial owner of a note or any interest therein further acknowledges and agrees that the rights of the holders and beneficial owners of the notes are subject to, and will be varied, if necessary, so as to give effect to, the exercise of any Dutch Bail-in Power by the relevant resolution authority. In addition, by acquiring any notes, each holder and beneficial owner of a note or any interest therein further acknowledges, agrees to be bound by, and consents to the exercise by the relevant resolution authority of, any power to suspend any payment in respect of the notes for a temporary period.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(b)&#160;&#160;&#160;&#160;For these purposes, a &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Dutch Bail-in Power</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; is any statutory write-down and&#47;or conversion power existing from time to time under any laws, regulations, rules or requirements relating to the resolution of banks, banking group companies, credit institutions and&#47;or investment firms incorporated in The Netherlands in effect and applicable in The Netherlands to the Issuer or other members of the Group, including but not limited to any such laws, regulations, rules or requirements that are implemented, adopted or enacted within the context of a European Union directive or regulation of the European Parliament and of the Council establishing a framework for the recovery and resolution of credit institutions and investment firms (including but not limited to the BRRD and Regulation (EU) No 806&#47;2014 of the European Parliament and of the Council (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SRM Regulation</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;)) and&#47;or within the context of a Dutch resolution regime under the Dutch Intervention Act and any amendments thereto, or otherwise, pursuant to which obligations of a bank, banking group company, credit institution or investment firm or any of its affiliates can be reduced, cancelled and&#47;or converted into shares or other securities or obligations of the obligor or any other person or may be expropriated (and a reference to the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">relevant resolution authority</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; is to any authority with the ability to exercise a Dutch Bail-in Power).</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Dutch Bail-in Power may be imposed without any prior notice by the relevant resolution authority of its decision to exercise such power. No principal of, or interest on, the notes shall become due and payable after the exercise of any Dutch Bail-in Power by the relevant resolution authority except as permitted under the laws and regulations of The Netherlands and the European Union applicable to the Issuer.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the exercise of any Dutch Bail-In Power may require interests in the notes and&#47;or other actions implementing any Dutch Bail-In Power to be held or taken, as the case may be, through clearing systems, intermediaries or persons other than DTC.</font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See also &#8220;Risk Factors &#8212; Under the terms of the notes, you have agreed to be bound by the exercise of any Dutch Bail- in Power by the relevant resolution authority&#8221; in the applicable prospectus supplement.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder and beneficial owner of a note or any interest therein, to the extent permitted by the Trust Indenture Act, shall be deemed to waive any and all claims against the trustee for, and to agree not to initiate a suit against the trustee in respect of, and to agree that the trustee shall not be liable for, any action that the trustee takes, or abstains from taking, in either case in accordance with the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the notes.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Issuer shall provide a written notice directly to DTC as soon as practicable of any exercise of the Dutch Bail-in Power with respect to the notes by the relevant resolution authority for purposes of notifying holders of such occurrence. The Issuer shall also deliver a copy of such notice to the trustee for information purposes.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder of the notes acknowledges and agrees that the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the notes shall not give rise to a default for purposes of Section 315(b) (Notice of Defaults) and Section 315(c) (Duties of the Trustee in Case of Default) of the Trust Indenture Act.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder and beneficial owner of a note or any interest therein acknowledges and agrees that, upon the exercise of any Dutch Bail-in Power by the relevant resolution authority, (a) the trustee shall not be required to take any further directions from holders of the notes under Section 5.15 (Control by Holders) of the Indenture and (b) the Indenture shall impose no duties upon the trustee whatsoever with respect to the exercise of any Dutch Bail-in Power by the relevant resolution authority. If holders or beneficial owners of the notes have given a direction to the trustee pursuant to Section 5.15 of the Indenture prior to the exercise of any Dutch Bail-in Power by the relevant resolution authority, such direction shall cease to be of further effect upon such exercise of any Dutch Bail-in Power and shall become null and void at such time. Notwithstanding the foregoing, if, following the completion of the exercise of the Dutch Bail-in Power by the relevant resolution authority, the notes remain outstanding (for example, if the exercise of the Dutch Bail-in Power results in only a partial write-down of the principal of the notes), then the trustee&#8217;s duties under the Indenture shall remain applicable with respect to the notes following such completion to the extent that the Issuer and the trustee shall agree.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any of the notes, each holder of the notes shall be deemed to have (a) consented to the exercise of any Dutch Bail-in Power as it may be imposed without any prior notice by the relevant resolution authority of its decision to exercise such power with respect to the relevant notes and (b) authorized, directed and requested DTC and any direct participant in DTC or other intermediary through which it holds the relevant notes to take any and all necessary action, if required, to implement the exercise of any Dutch Bail-in Power with respect to the relevant notes as it may be imposed, without any further action or direction on the part of such holder or the trustee.</font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the terms of each of the 2027 fixed-to-floating notes, the 2032 fixed-to-floating notes and the 2027 floating rate notes, the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the relevant notes will not be an Event of Default (as defined in the Indenture).</font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Terms Applicable to the 2026 Fixed-to-Floating Notes, the 2028 Fixed-to-Floating Notes, the 2033 Fixed-to-Floating Notes and the 2026 Floating Rate Notes</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Agreement and Acknowledgement with Respect to the Exercise of Dutch Bail-in Power</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With a view to Article 55 of the Directive 2014&#47;59&#47;EU of the European Parliament and of the Council (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Bank Recovery and Resolution Directive</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; or &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BRRD</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), the Issuer has included the following two paragraphs in the terms of the notes&#58;</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(a)          Notwithstanding any other agreements, arrangements or understandings between the Issuer and any holder of the notes, by acquiring the notes, each holder and beneficial owner of the notes or any interest therein acknowledges, accepts, recognizes, agrees to be bound by, and consents to the exercise of, any Dutch Bail-in Power by the relevant resolution authority that may result in the reduction (including to zero), cancellation or write-down (whether on a permanent basis or subject to write-up by the resolution authority) of all, or a portion, of the principal amount of, or interest on, the notes and&#47;or the conversion of all, or a portion, of the principal amount of, or interest on, the notes into shares or claims which may give right to shares or other instruments of ownership or other securities or other obligations of the Issuer or obligations of another person (whether or not at the point of non-viability and independently of or in combination with a resolution action), including by means of a variation to the terms of the notes (which may include amending the interest amount or the maturity or interest payment dates, including by suspending payment for a temporary period), or that the notes must otherwise be applied to absorb losses, or any expropriation of the notes, in each case, to give effect to the exercise by the relevant resolution authority of such Dutch Bail-in Power (whether at the point of non-viability or as taken together with a resolution action). Each holder and beneficial owner of a note or any interest therein further acknowledges and agrees that the rights of holders and beneficial owners of a note or any interest therein are subject to, and will be varied, if necessary, so as to give effect to, the exercise of any Dutch Bail-in Power by the relevant resolution authority. In addition, by acquiring any notes, each holder and beneficial owner of a note or any interest therein further acknowledges, agrees to be bound by, and consents to the exercise by the relevant resolution authority of, any power to suspend any payment in respect of the notes for a temporary period.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(b)          For these purposes, a &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Dutch Bail-in Power</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; is any statutory write-down and&#47;or conversion power existing from time to time under any laws, regulations, rules or requirements relating to the resolution of banks, banking group companies, credit institutions and&#47;or investment firms incorporated in The Netherlands in effect and applicable in The Netherlands to the Issuer or other members of the Group, including but not limited to any such laws, regulations, rules or requirements (including, but not limited to, the Dutch Financial Supervision Act) that are implemented, adopted or enacted within the context of a European Union directive or regulation of the European Parliament and of the Council establishing a framework for the recovery and resolution of credit institutions and investment firms (including but not </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">limited to the BRRD and the SRM Regulation, in each case as amended or superseded) and&#47;or within the context of a Dutch resolution regime under the Dutch Intervention Act (as implemented in relevant statutes) and any amendments thereto, or otherwise, pursuant to which obligations of a bank, banking group company, credit institution or investment firm or any of its affiliates can be reduced, cancelled and&#47;or converted into shares or other securities or obligations of the obligor or any other person (whether at the point of non-viability or as taken together with a resolution action) or may be expropriated (and a reference to the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">relevant resolution authority</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; is to any authority with the ability to exercise a Dutch Bail-in Power).</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Dutch Bail-in Power may be imposed without any prior notice by the relevant resolution authority of its decision to exercise such power. No principal of, or interest on, the notes shall become due and payable after the exercise of any Dutch Bail-in Power by the relevant resolution authority except as permitted under the laws and regulations of The Netherlands and the European Union applicable to the Issuer.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the exercise of any Dutch Bail-In Power may require interests in the notes and&#47;or other actions implementing any Dutch Bail-In Power to be held or taken, as the case may be, through clearing systems, intermediaries or persons other than DTC.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See also &#8220;Risk Factors &#8212; Under the terms of the notes, you have agreed to be bound by the exercise of any Dutch Bail-in Power by the relevant resolution authority&#8221; in the applicable prospectus supplement.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder and beneficial owner of a note or any interest therein, to the extent permitted by the Trust Indenture Act, shall be deemed to waive any and all claims against the trustee for, and to agree not to initiate a suit against the trustee in respect of, and to agree that the trustee shall not be liable for, any action that the trustee takes, or abstains from taking, in either case in accordance with the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the notes.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Issuer shall provide a written notice directly to DTC as soon as practicable of any exercise of the Dutch Bail-in Power with respect to the notes by the relevant resolution authority for purposes of notifying holders of such occurrence, including the amount of any cancellation of all, or a portion, of the principal amount of, or interest on, the notes. The Issuer shall also deliver a copy of such notice to the trustee for information purposes. Failure to provide such notices will not have any impact on the effectiveness of, or otherwise invalidate, any such exercise of the Dutch Bail-in Power.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder of the notes acknowledges and agrees that the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the notes shall not give rise to a default for purposes of Section 315(b) (Notice of Defaults) and Section 315(c) (Duties of the Trustee in Case of Default) of the Trust Indenture Act.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder and beneficial owner of a note or any interest therein acknowledges and agrees that, upon the exercise of any Dutch Bail-in Power by the relevant resolution authority, (a) the trustee shall not be required to take any further directions from holders of the notes under Section 5.15 (Control by Holders) of the Indenture and (b) the Indenture shall impose no duties upon the trustee </font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">whatsoever with respect to the exercise of any Dutch Bail-in Power by the relevant resolution authority. If holders or beneficial owners of the notes have given a direction to the trustee pursuant to Section 5.15 of the Indenture prior to the exercise of any Dutch Bail-in Power by the relevant resolution authority, such direction shall cease to be of further effect upon such exercise of any Dutch Bail-in Power and shall become null and void at such time. Notwithstanding the foregoing, if, following the completion of the exercise of the Dutch Bail-in Power by the relevant resolution authority, the notes remain outstanding (for example, if the exercise of the Dutch Bail-in Power results in only a partial write-down of the principal of the notes), then the trustee&#8217;s duties under the Indenture shall remain applicable with respect to the notes following such completion to the extent that the Issuer and the trustee shall agree by means of a supplemental indenture or amendment.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any of the notes, each holder of the notes shall be deemed to have (a) consented to the exercise of any Dutch Bail-in Power as it may be imposed without any prior notice by the relevant resolution authority of its decision to exercise such power with respect to the relevant notes and (b) authorized, directed and requested DTC and any direct participant in DTC or other intermediary through which it holds the relevant notes to take any and all necessary action, if required, to implement the exercise of any Dutch Bail-in Power with respect to the relevant notes as it may be imposed, without any further action or direction on the part of such holder or the trustee.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the terms of each of the 2026 Fixed-to-Floating Notes, the 2028 Fixed-to-Floating Notes, the 2033 Fixed-to-Floating Notes and the 2026 Floating Rate Notes, the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the relevant notes will not be an Event of Default (as defined in the Indenture) under the Indenture or the notes.</font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Terms Applicable to the 2027 Fixed-to-Floating Notes Due September 11, 2027, the 2034 Fixed-to-Floating Notes and the 2027 Floating Rate Notes Due September 11, 2027</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Agreement and Acknowledgement with Respect to the Exercise of Dutch Bail-in Power</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With a view to Article 55 of the Directive 2014&#47;59&#47;EU of the European Parliament and of the Council (the &#8220;Bank Recovery and Resolution Directive&#8221; or &#8220;BRRD&#8221;), the Issuer has included the following two paragraphs in the terms of the notes&#58;</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(a)          Notwithstanding any other agreements, arrangements or understandings between the Issuer and any holder of the notes, by acquiring the notes, each holder and beneficial owner of the notes or any interest therein acknowledges, accepts, recognizes, agrees to be bound by, and consents to the exercise of, any Dutch Bail-in Power by the relevant resolution authority that may result in the reduction (including to zero), cancellation or write-down (whether on a permanent basis or subject to write-up by the resolution authority) of all, or a portion, of the principal amount of, or interest on, the notes and&#47;or the conversion of all, or a portion, of the principal amount of, or interest on, the notes into shares or claims which may give right to shares or other instruments of ownership or other securities or other obligations of the Issuer or obligations of another person, including by means of a variation to the terms of the notes (which may </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">include amending the interest amount or the maturity or interest payment dates, including by suspending payment for a temporary period), or that the notes must otherwise be applied to absorb losses, or any expropriation of the notes, in each case, to give effect to the exercise by the relevant resolution authority of such Dutch Bail-in Power. Each holder and beneficial owner of a note or any interest therein further acknowledges and agrees that the rights of holders and beneficial owners of a note or any interest therein are subject to, and will be varied, if necessary, so as to give effect to, the exercise of any Dutch Bail-in Power by the relevant resolution authority. In addition, by acquiring any notes, each holder and beneficial owner of a note or any interest therein further acknowledges, agrees to be bound by, and consents to the exercise by the relevant resolution authority of, any power to suspend any payment in respect of the notes for a temporary period.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(b)          For these purposes, a &#8220;Dutch Bail-in Power&#8221; is any statutory write-down and&#47;or conversion power existing from time to time under any laws, regulations, rules or requirements relating to the resolution of banks, banking group companies, credit institutions and&#47;or investment firms incorporated in The Netherlands in effect and applicable in The Netherlands to the Issuer or other members of the Group, including but not limited to any such laws, regulations, rules or requirements (including, but not limited to, the Dutch Financial Supervision Act) that are implemented, adopted or enacted within the context of a European Union directive or regulation of the European Parliament and of the Council establishing a framework for the recovery and resolution of credit institutions and investment firms (including but not limited to the BRRD and the SRM Regulation, in each case as amended or superseded) and&#47;or within the context of a Dutch resolution regime under the Dutch Intervention Act (as implemented in relevant statutes) and any amendments thereto, or otherwise, pursuant to which obligations of a bank, banking group company, credit institution or investment firm or any of its affiliates can be reduced, cancelled and&#47;or converted into shares or other securities or obligations of the obligor or any other person or may be expropriated (and a reference to the &#8220;relevant resolution authority&#8221; is to any authority with the ability to exercise a Dutch Bail-in Power).</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Dutch Bail-in Power may be imposed without any prior notice by the relevant resolution authority of its decision to exercise such power. No principal of, or interest on, the notes shall become due and payable after the exercise of any Dutch Bail-in Power by the relevant resolution authority except as permitted under the laws and regulations of The Netherlands and the European Union applicable to the Issuer.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the exercise of any Dutch Bail-In Power may require interests in the notes and&#47;or other actions implementing any Dutch Bail-In Power to be held or taken, as the case may be, through clearing systems, intermediaries or persons other than DTC.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See also &#8220;Risk Factors &#8212; Under the terms of the notes, you have agreed to be bound by the exercise of any Dutch Bail-in Power by the relevant resolution authority&#8221; in the applicable prospectus supplement.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder and beneficial owner of a note or any interest therein, to the extent permitted by the Trust Indenture Act, shall be deemed to waive any and all claims against the trustee for, and to agree not to initiate a suit against the trustee in respect of, and to agree that the trustee shall not be </font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">liable for, any action that the trustee takes, or abstains from taking, in either case in accordance with the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the notes.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Issuer shall provide a written notice directly to DTC as soon as practicable of any exercise of the Dutch Bail-in Power with respect to the notes by the relevant resolution authority for purposes of notifying holders of such occurrence, including the amount of any cancellation of all, or a portion, of the principal amount of, or interest on, the notes. The Issuer shall also deliver a copy of such notice to the trustee for information purposes. Failure to provide such notices will not have any impact on the effectiveness of, or otherwise invalidate, any such exercise of the Dutch Bail-in Power.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder of the notes acknowledges and agrees that the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the notes shall not give rise to a default for purposes of Section 315(b) (Notice of Defaults) and Section 315(c) (Duties of the Trustee in Case of Default) of the Trust Indenture Act.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any notes, each holder and beneficial owner of a note or any interest therein acknowledges and agrees that, upon the exercise of any Dutch Bail-in Power by the relevant resolution authority, (a) the trustee shall not be required to take any further directions from holders of the notes under Section 5.15 (Control by Holders) of the Indenture and (b) the Indenture shall impose no duties upon the trustee whatsoever with respect to the exercise of any Dutch Bail-in Power by the relevant resolution authority. If holders or beneficial owners of the notes have given a direction to the trustee pursuant to Section 5.15 of the Indenture prior to the exercise of any Dutch Bail-in Power by the relevant resolution authority, such direction shall cease to be of further effect upon such exercise of any Dutch Bail-in Power and shall become null and void at such time. Notwithstanding the foregoing, if, following the completion of the exercise of the Dutch Bail-in Power by the relevant resolution authority, the notes remain outstanding (for example, if the exercise of the Dutch Bail-in Power results in only a partial write-down of the principal of the notes), then the trustee&#8217;s duties under the Indenture shall remain applicable with respect to the notes following such completion to the extent that the Issuer and the trustee shall agree by means of a supplemental indenture or amendment.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By acquiring any of the notes, each holder of the notes shall be deemed to have (a) consented to the exercise of any Dutch Bail-in Power as it may be imposed without any prior notice by the relevant resolution authority of its decision to exercise such power with respect to the relevant notes and (b) authorized, directed and requested DTC and any direct participant in DTC or other intermediary through which it holds the relevant notes to take any and all necessary action, if required, to implement the exercise of any Dutch Bail-in Power with respect to the relevant notes as it may be imposed, without any further action or direction on the part of such holder or the trustee.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the terms of each of the 2027 Fixed-to-Floating Notes Due September 11, 2027, the 2034 Fixed-to-Floating Notes and the 2027 Floating Rate Notes Due September 11, 2027, the exercise of the Dutch Bail-in Power by the relevant resolution authority with respect to the relevant notes will not be an Event of Default (as defined in the Indenture) under the Indenture or the notes.</font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Terms Applicable to All Senior Notes</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fixed rate notes, floating rate notes and fixed-floating rate notes (together, the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">senior notes</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) were issued pursuant to the Senior Debt Securities Indenture, dated as of March 29, 2017 (the &#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Indenture</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), between ING and The Bank of New York Mellon, London Branch, as trustee. References to &#8220;indenture&#8221; or &#8220;senior debt indenture&#8221; in this section shall mean the Indenture as defined above and references to &#8220;trustee&#8221; shall mean the Bank of New York Mellon, London Branch, One Canada Square, London E14 5AL, United Kingdom. References to &#8220;notes&#8221; or &#8220;debt securities&#8221; in this section shall mean the senior notes, as defined above.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The currency in which the payment of the principal of or any premium or interest of the senior notes shall be payable is US dollars.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Condition to Redemption or Repurchase</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Notwithstanding any other provision, and unless otherwise indicated in your prospectus supplement, we may redeem or purchase our debt securities (and give notice thereof to the holders of such debt securities in the case of redemption) only if we have obtained the prior permission of the relevant resolution authority and&#47;or competent authority, as appropriate, at the time of redemption or purchase, if such permission is at the relevant time and in the relevant circumstances required (which may require the Issuer to demonstrate to the satisfaction of the relevant resolution authority and&#47;or competent authority, as appropriate, that the change in the applicable tax treatment of the notes or the change in treatment of the notes for purposes of the &#8220;Loss Absorption Regulations&#8221; (as defined in the accompanying prospectus to your prospectus supplement), as applicable, was not reasonably foreseeable as at the issue date of the relevant notes and, in the case of a tax event, the change in the applicable tax treatment of the notes is material), and subject to applicable law or regulation (including without limitation under Directive 2013&#47;36&#47;EU (CRD IV), Regulation (EU) No 575&#47;2013 (CRR including articles 77 and 78 thereof (and, if provided in the applicable supplemental indenture and related prospectus supplement, articles 63(i), 72b(2)(j) and 78a thereof)), Commission Delegated Regulation (EU) No 241&#47;2014 and Regulation (EU) No 806&#47;2014 (SRMR), as may be amended or replaced from time to time, and any delegated or implementing acts, laws, regulations, regulatory technical standards, rules or guidelines as then in effect).</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unless the relevant prospectus supplement provides otherwise, we or our affiliates may, whether in the context of market making or otherwise, purchase debt securities, either in the open market at prevailing prices or in private transactions at negotiated prices, in each case subject to prior permission of the relevant resolution authority and&#47;or competent authority, as appropriate, at the time of redemption or purchase, if such permission is then required by applicable law or regulation including without limitation under Directive 2013&#47;36&#47;EU (CRD IV), Regulation (EU) No 575&#47;2013 (CRR including articles 77 and 78 thereof) (and, if provided in the applicable supplemental indenture and related prospectus supplement, articles 63(i), 72b(2)(j) and 78a thereof)), Commission Delegated Regulation (EU) No 241&#47;2014 and Regulation (EU) No 806&#47;2014 (SRMR), as may be amended or replaced from time to time, and any delegated or implementing acts, laws, regulations, regulatory technical standards, rules or guidelines once in effect in The Netherlands and as then in effect). Debt securities that we or they purchase may, at our discretion, be held, resold or canceled, provided that </font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">such debt securities will only be resold if they would be fungible for U.S. federal income tax purposes with all of the other outstanding debt securities of the same series.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As at the date of this Prospectus, the relevant resolution authority is the Single Resolution Board and the competent authority is the European Central Bank.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Our Relationship with the Trustee</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank of New York Mellon, London Branch, 160 Queen Victoria Street, London EC4V 4LA,, United Kingdom, is initially serving as the trustee for all series of debt securities to be issued under each indenture. The Bank of New York Mellon has provided commercial banking and other services for us and our related companies in the past and may continue to do so in the future. Among other things, The Bank of New York Mellon serves as, or may serve as, trustee or agent with regard to certain of our other outstanding debt obligations.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Consequently, if an actual or potential event of default occurs with respect to any of these securities, trust agreements or subordinated guarantees, the trustee may be considered to have a conflicting interest for purposes of the Trust Indenture Act of 1939, as amended, or the Trust Indenture Act. In that case, the trustee may be required to resign under one or more of the indentures, trust agreements or subordinated guarantees and we would be required to appoint a successor trustee. For this purpose, a &#8220;potential event of default&#8221; means an event that would be an event of default if the requirements for giving us default notice or for the default having to exist for a specific period of time were disregarded.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Ranking</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The notes shall constitute the Issuer&#8217;s unsecured and unsubordinated obligations, ranking </font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">pari passu</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> without any preference among themselves and equally with all of the Issuer&#8217;s other unsecured and unsubordinated obligations from time to time outstanding, save as otherwise provided by law.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Paying Agent</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank of New York Mellon, London Branch, 160 Queen Victoria Street, London EC4V 4LA, United Kingdom is designated as the principal paying agent. The Issuer may at any time designate additional paying agents or rescind the designation of paying agents or approve a change in the office through which any paying agent acts.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Notice of Redemption</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Issuer shall give notice of any redemption of the notes not less than 30 days or more than 60 days prior to the redemption date to the holders of the notes and to the trustee at least 30 business days prior to such date, except for the 2022 Issued Notes and the 2023 Issued Notes, in which case the Issuer shall give notice of any redemption of the notes not less than 15 days or more than 30 days prior to the redemption date to </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">the holders of the notes and to the trustee at least 5 business days prior to such date, unless a shorter notice period shall be satisfactory to the trustee. The redemption notice shall state&#58; (1) the redemption date, (2) the redemption price, (3) that, on the redemption date, each note will be redeemed and that, subject to certain exceptions, interest will cease to accrue after that date, (4) the place or places where the notes are to be surrendered for payment of the redemption price and (5) the CUSIP, Common Code and&#47;or ISIN number or numbers, if any, with respect to the notes being redeemed.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Issuer shall deliver to the trustee an opinion from a recognized law or tax firm of international standing, chosen by the Issuer, prior to delivering any notice of a redemption upon the occurrence of certain tax events, confirming that the Issuer is entitled to exercise its right of redemption as a result of such tax events.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A notice of redemption shall be irrevocable, except that the exercise of the Dutch Bail-In Power by the relevant resolution authority prior to the date fixed for redemption shall automatically revoke such notice and no notes shall be redeemed and no payment in respect of the notes shall be due and payable.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If the Issuer has elected to redeem a series of notes but prior to the payment of the redemption price with respect to such redemption the relevant resolution authority exercises its Dutch Bail-in Power with respect to the Issuer, the relevant redemption notice shall be automatically rescinded and shall be of no force and effect, and no payment of the redemption price will be due and payable.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Redemption and Repayment</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unless otherwise indicated in your prospectus supplement, your debt security will not be entitled to the benefit of any sinking fund &#8212; that is, we will not deposit money on a regular basis into any separate custodial account to repay your debt securities. In addition, we will not be entitled to redeem your debt security before its stated maturity, if any, unless your prospectus supplement specifies a redemption date. You will not be entitled to require us to buy your debt security from you, before its stated maturity, if any, unless your prospectus supplement specifies one or more repayment dates.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Optional Tax and Regulatory Redemption</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unless otherwise indicated in your prospectus supplement, we may redeem each series of debt securities in whole, but not in part, at our option at any time upon not more than 60 nor less than 30 days&#8217; notice to the holders of such debt securities, at a redemption price equal to the principal amount of such debt securities (or if the debt securities are original issue discount securities, such amount as determined pursuant to the formula set forth in the applicable prospectus supplement) plus any additional amounts due as a result of any withheld tax, if&#58;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">we would be required to pay additional amounts, as explained in the applicable base prospectus under &#8220;&#8212; Payment of Additional Amounts with Respect to the Debt Securities,&#8221; as a result certain changes or proposed changes in law and regulation on or after the date of issuance of that series&#59;</font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">a person located outside The Netherlands, or a jurisdiction in which a successor of ING is organized, to which we have conveyed, transferred or leased property, would be required to pay additional amounts. We are not required, however, to use reasonable measures to avoid the obligation to pay additional amounts in the event of such merger, conveyance, transfer or lease&#59;</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the case of senior debt securities only, as a result of any amendment to, or change in, any Loss Absorption Regulation (as defined below), or any change in the application or official interpretation of any Loss Absorption Regulation, in any such case becoming effective on or after the original issue date of the series of debt securities affected, the debt securities are or (in our opinion or that of the competent authority and&#47;or resolution authority, as appropriate) are likely to be fully or (if so specified in the applicable prospectus supplement) partially excluded from our and&#47;or the Regulatory Group&#8217;s (as defined below) minimum requirements for (A) own funds and eligible liabilities and&#47;or (B) loss absorbing capacity instruments, in each case as such minimum requirements are applicable to us and&#47;or the Regulatory Group and determined in accordance with, and pursuant to, the relevant Loss Absorption Regulations&#59; unless the exclusion of the relevant series of debt securities from the relevant minimum requirement(s) is due to the remaining maturity of the debt securities being less than any period prescribed by any applicable eligibility criteria for such minimum requirements under the relevant Loss Absorption Regulations effective with respect to us and&#47;or the Regulatory Group on the original issue date of the series of debt securities affected&#59; or </font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">If we redeem your debt security, we will do so at the specified redemption price, together with interest accrued to the redemption date.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our ability to redeem certain series of debt securities in these circumstances will be subject to obtaining the prior permission of the relevant resolution authority and&#47;or competent authority, as described &#8220;Condition to Redemption or Repurchase&#8221; below. Unless otherwise specified in the applicable prospectus supplement, such permission may be granted in the context of a redemption of debt securities for tax reasons only if there is a change in the applicable tax treatment of such debt securities which we demonstrate to the satisfaction of the relevant resolution authority and&#47;or competent authority, as applicable, is material and was not reasonably foreseeable at the time of the issuance of the debt securities.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Loss Absorption Regulations</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; means, at any time, the laws, regulations, requirements, guidelines, rules, standards and policies relating to minimum requirements for own funds and eligible liabilities and&#47;or loss absorbing capacity instruments of the Netherlands, the European Central Bank, the Dutch Central Bank or other competent authority, the resolution authority, the Financial Stability Board and&#47;or of the European Parliament or of the Council of the European Union then in effect in the Netherlands and applicable to us and&#47;or the Regulatory Group including, without limitation to the generality of the foregoing, any delegated or implementing acts (such as regulatory technical standards) adopted by the European Commission and any regulations, requirements, guidelines, rules, standards and policies relating to minimum requirements for own funds and eligible liabilities and&#47;or loss absorbing capacity instruments adopted by the competent authority and&#47;or the resolution authority from time to time (whether or not such regulations, requirements, guidelines, rules, standards or policies are applied generally or specifically to us or to the Regulatory Group).</font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Regulatory Group</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; means ING, its subsidiary undertakings, participations, participating interests and any subsidiary undertakings, participations or participating interests held (directly or indirectly) by any of its subsidiary undertakings from time to time and any other undertakings from time to time consolidated with ING for regulatory purposes, in each case in accordance with the rules and guidance of the competent authority then in effect.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Mergers and Similar Transactions</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are generally permitted to merge or consolidate with or into another company. We are also permitted to sell substantially all our assets to another company. With regard to any series of debt securities, however, we may not take any of these actions unless all the following conditions are met&#58;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">If we are not the successor entity, the successor entity must expressly agree to be legally responsible for the debt securities of that series and the indenture with respect to that series and must be organized as a corporation, partnership, trust, limited liability company or similar entity. The successor entity may be organized under the laws of any jurisdiction.</font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">The merger, sale of assets or other transaction must not cause an event of default on the debt securities or any event which, after notice or lapse of time or both, would become an event of default</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If the conditions described above are satisfied with respect to the debt securities of any series, we will not need to obtain the approval of the holders of those debt securities in order to merge or consolidate or to sell our assets. Also, these conditions will apply only if we wish to merge or consolidate with another entity or sell our assets substantially as an entirety to another entity. We will not need to satisfy these conditions if we enter into other types of transactions, including any transaction in which we acquire the stock or assets of another entity, any transaction that involves a change of control of ING but in which we do not merge or consolidate, and any transaction in which we sell less than substantially all our assets.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Subject to applicable law and regulation (including our obtaining the prior permission of the Single Resolution Board (as resolution authority) and&#47;or the European Central Bank (as competent authority), or any successor relevant resolution authority and&#47;or competent authority, as appropriate, if such permission is required), any of our wholly owned subsidiaries may assume our obligations under the debt securities of any series without the consent of any holder. We, however, must irrevocably guarantee (on a subordinated basis in substantially the manner described under &#8220;&#8212; Debt Securities May Be Senior or Subordinated &#8212; Subordination Provisions&#8221; above, in the case of subordinated debt securities) the obligations of the subsidiary under the debt securities of that series. If we do, all of our direct obligations under the debt securities of the series and the applicable indenture shall immediately be discharged. Unless the relevant prospectus supplement provides otherwise, any additional amounts under the debt securities of the series will, to the extent provided as described in the base prospectus under &#8220;&#8212; Payment of Additional Amounts with Respect to the Debt Securities&#8221;, be payable in respect of any taxes imposed by the jurisdiction in which the successor entity is organized, rather than taxes imposed by The Netherlands, subject to exceptions equivalent to those that apply to any obligation to pay additional amounts in respect of taxes imposed by The Netherlands. However, if we make payment under this guarantee, we shall also be required to pay additional amounts </font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">related to taxes (subject to the exceptions set forth in &#8220;&#8212; Payment of Additional Amounts with Respect to the Debt Securities&#8221; in the base prospectus) imposed by The Netherlands due to this guarantee payment. A subsidiary that assumes our obligations will also be entitled to redeem the debt securities of the relevant series in the circumstances described under &#8220;&#8212; Redemption and Repayment&#8221; above with respect to any change or amendment to, or change in the official application of the laws or regulations of the assuming corporation&#8217;s jurisdiction of incorporation as long as the change or amendment occurs after the date of the subsidiary&#8217;s assumption of our obligations.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Tax authorities, including the U.S. Internal Revenue Service, might deem an assumption of our obligations as described above to be an exchange of the existing debt securities for new debt securities, resulting in a recognition of taxable gain or loss and possibly other adverse tax consequences. Investors should consult their tax advisors regarding the tax consequences of such an assumption. If we merge, consolidate or sell our assets substantially in their entirety, neither we nor any successor would have any obligation to compensate you for any resulting adverse tax consequences relating to your debt securities.</font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Events of Default and Remedies</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Events of Default and Acceleration of Principal</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unless otherwise specified in your prospectus supplement, an &#8220;event of default&#8221; with respect to any series of debt securities will result only if&#58;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">we are declared bankrupt by a court of competent jurisdiction in The Netherlands (or such other jurisdiction in which we may be organized)&#59; or</font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">an order is made or an effective resolution is passed for our winding-up or liquidation, unless this is done in connection with a merger, consolidation or other form of combination with another company and (a) we are permitted to enter into such merger, consolidation or combination pursuant the provisions described under &#8220;&#8212; Mergers and Similar Transactions&#8221; above or (b) the requisite majority of holders of the relevant series of debt securities, as described under &#8220;Modifications of the Indentures&#8212;Changes Requiring Majority Approval&#8221;, has waived the requirement that we comply with the covenant contained in &#8220;&#8212; Mergers and Similar Transactions&#8221; above.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Upon the occurrence of an event of default, and only in such instance, the entire principal amount of each series of our debt securities will be automatically accelerated, without any action by the trustee or any holder, and will become immediately due and payable together with accrued but unpaid interest, subject to obtaining the approvals described under &#8220;&#8212;Condition to Redemption or Repurchase&#8221; above. The payment of principal of our debt securities will be accelerated only in the event of an event of default (but not the bankruptcy, insolvency or reorganization of any of our subsidiaries). There will be no right of acceleration of the payment of principal of our debt securities if we fail to pay any principal, interest or any other amount (including upon redemption) on such debt securities or in the performance of any of our covenants or agreements contained in such debt securities. No such payment default or performance default will result in </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">an event of default under our debt securities or permit any holders to take action to enforce the debt securities, except as described under &#8220;&#8212;Limited Remedies for Non-Payment and Breach of Obligations&#59; Trust Indenture Act Remedies&#8221; below. Moreover, the exercise of any Dutch Bail-in Power by the relevant resolution authority, as described under &#8220;&#8212; Agreement and Acknowledgment with Respect to the Exercise of Dutch Bail-in Power&#8221; above, will not be an event of default.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Limited Remedies for Non-Payment and Breach of Obligations&#59; Trust Indenture Act Remedies</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The sole remedies of the holders of our debt securities and the trustee for our breach of any obligation under the debt securities or the senior debt indenture, as applicable, shall be (1) to demand payment of any principal or interest that we fail to pay when it has become due and payable and, in the case of interest, where such failure continues for at least 30 days (provided that the trustee has provided us with notice of such failure to pay interest at least 15 days prior to the end of such 30-day period), (2) to seek enforcement of any of our other obligations under any debt security, the senior debt indenture (other than any payment obligation) or damages for our failure to satisfy any such obligation, (3) to exercise the remedies described under &#8220;&#8212;Events of Default&#8221; above and (4) to claim in any proceeding relating to our liquidation (upon dissolution (</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">ontbinding</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) or otherwise), moratorium of payments (</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">surseance van betaling</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">) or bankruptcy (</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">faillissement</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">). The foregoing shall not prevent holders of our debt securities or the trustee from instituting proceedings for our bankruptcy.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Notwithstanding the foregoing, (1) the trustee shall have such powers as are required to be authorized to it under the Trust Indenture Act in respect of the rights of the holders of our debt securities under the provisions of the senior debt indenture and (2) nothing shall impair the right of a holder of our debt securities under the Trust Indenture Act, absent such holder&#8217;s consent, to sue for any payment due but unpaid with respect to its debt securities.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">No Other Remedies</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other than the limited remedies specified herein under &#8220;Limited Remedies for Non-Payment and Breach of Obligations&#59; Trust Indenture Act Remedies&#8221; above, no remedy against us will be available to the trustee (acting on behalf of the holders of our debt securities) or holders of our debt securities whether for the recovery of amounts owing in respect of such debt securities or under the senior debt indenture or in respect of any breach by us of any of our obligations under or in respect of the terms of our debt securities or the senior debt indenture in relation thereto&#59; provided, however, that such limitation shall not apply to our obligations to pay the fees and expenses of, and to indemnify, the trustee (including fees and expenses of trustee&#8217;s counsel).</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Trustee&#8217;s Duties</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In case of a default under any series of our debt securities, the trustee shall exercise such of the rights and powers vested in it by the senior debt indenture, and use the same degree of care and skill in their exercise, as a prudent person would exercise or use under the circumstances in the conduct of his or her own affairs. </font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For these purposes, a &#8220;default&#8221; shall occur upon (i) the occurrence of an event of default, (ii) failure by us to pay any principal or interest when it has become due and payable and, in the case of interest, where such failure continues for at least 30 days (provided that the trustee has provided us with notice of such failure to pay interest at least 15 days prior to the end of such 30-day period) or (iii) breach by us of any term, obligation or commitment (other than any payment obligation) binding on us under the relevant series of debt securities or the senior debt indenture. Holders of a majority of the aggregate principal amount of the outstanding debt securities of a series may waive any past default specified in clause (iii) in the preceding sentence but may not waive any past default specified in clauses (i) and (ii) in the preceding sentence. For the avoidance of doubt, the exercise of any Dutch Bail-in Power by the relevant resolution authority, as described under &#8220;&#8212; Agreement and Acknowledgment with Respect to the Exercise of Dutch Bail-in Power&#8221; above, will not be a default for these purposes.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If a default occurs and is continuing with respect to any series of our debt securities, the trustee will have no obligation to take any action at the direction of any holders of such series of the debt securities, unless they have offered the trustee security or indemnity satisfactory to the trustee in its sole discretion. The holders of a majority in aggregate principal amount of the outstanding debt securities of a series shall have the right to direct the time, method and place of conducting any proceeding in the name of and on the behalf of the trustee for any remedy available to the trustee or exercising any trust or power conferred on the trustee with respect to such series of the debt securities. However, this direction (a) must not be in conflict with any rule of law or the senior debt indenture, as applicable and (b) must not be unjustly prejudicial to the holder(s) of such series of the debt securities not taking part in the direction, in the case of either (a) or (b) as determined by the trustee in its sole discretion. The trustee may also take any other action, not inconsistent with the direction, that it deems proper.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The trustee is required to, within 90 days of a default with respect to the debt securities of any series, give to each affected holder of the debt securities of the affected series notice of any default known to a responsible officer of the trustee, unless the default has been cured or waived. However, the trustee will be entitled to withhold notice if a trust committee of responsible officers of the trustee determine in good faith that withholding of notice is in the interest of the holders.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The trustee makes no representations, and shall not be liable with respect to, any information set forth in this prospectus.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Limitation on Suits</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Before you bypass the trustee and bring your own lawsuit or other formal legal action or take other steps to enforce your rights or protect your interests relating to the debt securities, all of the following must occur&#58;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">the holder must give the trustee a written notice that a default has occurred and remains uncured&#59;</font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">the holders of 25% in outstanding principal amount of the debt securities must make a written request that the trustee take action because of the default&#59;</font></div><div><font><br></font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">such holder must offer indemnity satisfactory to the trustee in its sole discretion against the cost and other liabilities of taking that action&#59;</font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">the trustee must not have taken action for 60 days after receipt of the above notice and offer of security or indemnity&#59; and </font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">the trustee must not have received an inconsistent direction from the majority in principal amount of the debt securities during that period.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Notwithstanding any contrary provisions, nothing shall impair the right of a holder of the debt securities under the Trust Indenture Act, absent such holder&#8217;s consent, to sue for any payments due but unpaid with respect to the debt securities.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Modifications of the Indentures</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There are four types of changes we can make to a particular indenture and the debt securities issued thereunder.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Changes Requiring Each Holder&#8217;s Approval</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">First, there are changes that we or the trustee cannot make without the approval of each holder of a debt security affected by the change under a particular indenture. We cannot&#58;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">change the stated maturity, if any, for any principal or interest payment on a debt security&#59;</font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">reduce the principal amount, the amount payable on acceleration of the maturity after an event of default, the interest rate or the redemption price or any premium for a debt security&#59;</font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">change our obligation to pay additional amounts in respect of a debt security&#59;</font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">permit redemption of a debt security if not previously permitted&#59;</font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">modify the provisions of the indenture with respect to the subordination of the debt securities in a manner adverse to holders&#59;</font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">impair any right a holder may have to require repayment or conversion of its debt security&#59;</font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">change the currency of any payment on a debt security other than as permitted by the debt security&#59;</font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">change the place of payment on a debt security, if it is in non-global form&#59;</font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">impair a holder&#8217;s right to sue for payment of any amount due on its debt security&#59;</font></div><div><font><br></font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">reduce the percentage in principal amount of the debt securities and any other affected series of debt securities, taken together, the approval of whose holders is needed to change the indenture or the debt securities&#59;</font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">reduce the percentage in principal amount of the debt securities and any other affected series of debt securities, taken separately or together, as the case may be, the consent of whose holders is needed to waive our compliance with the applicable indenture or to waive defaults&#59; and</font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">change the provisions of the applicable indenture dealing with modification and waiver in any other respect, except to increase any required percentage referred to above or to add to the provisions that cannot be changed or waived without approval of the holder of each affected debt security.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Changes Not Requiring Approval</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The second type of change does not require any approval by holders of the debt securities. These changes are limited to clarifications and changes that would not adversely affect the debt securities in any material respect. Nor do we need any approval to make any change that affects only debt securities to be issued under the applicable indenture after the changes take effect.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We may also make changes or obtain waivers that do not adversely affect a particular debt security, even if they affect other debt securities. In those cases, we do not need to obtain the approval of the holder of that debt security&#59; we need only obtain any required approvals from the holders of the affected debt securities or other debt securities.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Changes Requiring Majority Approval</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Any other change to either indenture and the debt securities issued under that indenture would require the following approval&#58;</font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">if the change affects only one series of debt securities, it must be approved by the holders of a majority in principal amount of the relevant series of debt securities&#59; or</font></div><div><font><br></font></div><div style="padding-left:14.2pt;text-indent:-14.2pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.96pt">if the change affects more than one series of debt securities issued under an indenture, it must be approved by the holders of a majority in principal amount of the series affected by the change, with all affected series voting together as one class for this purpose (and of any series that by its terms is entitled to vote separately as a series, as described below).</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In each case, the required approval must be given by written consent.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The same majority approval would be required for us to obtain a waiver of any of our covenants in either indenture. Our covenants include the promises we make about merging which we describe above under &#8220;&#8212; Mergers and Similar Transactions.&#8221; If the holders agree to waive a covenant, we will not have to comply with </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">it. A majority of holders, however, cannot approve a waiver of any provision in a particular debt security, or in the applicable indenture as it affects that debt security, that we cannot change without the approval of each holder of that debt security as described above in &#8220;&#8212; Changes Requiring Each Holder&#8217;s Approval&#8221; unless that holder approves the waiver.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Book-entry and other indirect owners should consult their banks or brokers for information on how approval may be granted or denied if we seek to change the applicable indenture or the debt securities or request a waiver.</font></div><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div><font><br></font></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:4pt;margin-top:17pt;text-align:center"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">AMERICAN DEPOSITARY SHARES </font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This section will summarize all of the material provisions of the Amended and Restated Deposit Agreement, dated as of October 4, 2018, as amended by Amendment No. 1, dated 19 November 2021, pursuant to which the American depositary receipts (which we refer to as ADRs) are to be issued among ING, JPMorgan Chase Bank, N.A., as depositary, and the holders from time to time of ADRs. We refer to this agreement as the &#8220;deposit agreement.&#8221; We do not, however, describe every aspect of the deposit agreement, which has been filed, along with Amendment No. 1, as exhibits to Post Effective Amendment No. 1 to ING&#8217;s registration statement on Form F-6 on 19 November 2021. You should read the deposit agreement for a more detailed description of the terms of the ADRs. Additional copies of the deposit agreement are available for inspection at the principal office of the depositary in New York, which is presently located at 383 Madison Avenue, Floor 11, New York, New York, 10179.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">American Depositary Receipts</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The depositary will issue ADRs evidencing American depositary shares (which we refer to as ADSs) pursuant to the deposit agreement. Each ADS will represent one ordinary share. Only persons in whose names ADRs are registered on the books of the depositary will be treated by the depositary and us as holders of ADRs. Unless certificated ADRs are specifically requested by you, all ADSs will be issued on the books of our depositary in book-entry form and periodic statements will be mailed to you which reflect your ownership interest in such ADSs. In our description, references to American depositary receipts or ADRs shall include the statements you will receive which reflect your ownership of ADSs.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">You may hold ADSs either directly or indirectly through your broker or other financial institution. If you hold ADSs directly, by having an ADS registered in your name on the books of the depositary, you are an ADR holder. This description assumes you hold your ADSs directly. If you hold the ADSs through your broker or financial institution nominee, you must rely on the procedures of such broker or financial institution to assert the rights of an ADR holder described in this section. You should consult with your broker or financial institution to find out what those procedures are.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the deposit agreement, registered holders of ADRs and all persons holding any interest in ADRs and&#47;or ADSs will be subject to any applicable disclosure requirements regarding acquisition and ownership of ordinary shares as are applicable pursuant to the terms of our articles of association or other provisions of or governing the ordinary shares. See &#8220;Ordinary Shares &#8212; Obligations of shareholders to disclose holdings&#8221; above for a description of such disclosure requirements applicable to ordinary shares and the consequences of noncompliance as of the date of this prospectus. In order to enforce such disclosure requirements, we reserve the right to instruct ADR holders to deliver their ADSs for cancellation and withdrawal of the deposited securities so as to permit us to deal directly with the holder thereof as a holder of ordinary shares, and, by being a holder of an ADR, ADR holders are contractually agreeing to comply with such instructions. The depositary has agreed, subject to the terms and conditions of the deposit agreement, </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">to cooperate with ING in its efforts to inform ADR holders of any exercise by us of our rights to instruct ADR holders to deliver their ADSs for cancellation, and to consult with and provide us with reasonable assistance without risk, liability or expense on the part of the depositary, on the manner or manners in which we may enforce such rights with respect to any ADR holder.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The depositary will keep, at its transfer office, (i) a register for the registration, registration of transfer, combination and split-up of ADRs, which at all reasonable times will be open for inspection by holders of ADRs and us for the purpose of communicating with holders in the interest of our business or a matter relating to the deposit agreement and (ii) facilities for the delivery and receipt of ADRs.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Deposit, Transfer and Withdrawal</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The depositary has agreed that upon delivery of our ordinary shares (or rights to receive our ordinary shares from us or any registrar, transfer agent, clearing agency or other entity recording ordinary share ownership or transactions for us) to their custodian, which is currently ING Bank N.V., and in accordance with the procedures set forth in the deposit agreement, the depositary will issue ADRs for delivery at its designated transfer office.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Upon surrender at the office of the depositary of an ADR for the purpose of withdrawal of the deposited securities represented by the ADSs evidenced by such ADR, and upon payment of the fees, governmental charges and taxes provided in the deposit agreement, and subject to the terms and conditions of the deposit agreement, the holder of such ADR will be entitled to delivery to such holder or upon such holder&#8217;s order, as permitted by applicable law, of the amount of deposited securities at the time represented by the ADS evidenced by such ADR. The custodian will ordinarily deliver such deposited securities at or from its office. The forwarding of deposited securities for delivery at any other place specified by the holder will be at the risk and expense of the holder.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Dividends, Other Distributions and Rights</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To the extent practicable, the depositary will distribute to you, in proportion to the number of ADSs you hold, any U.S. dollars available to the depositary resulting from a cash dividend or other cash distribution or the net proceeds of sales of any other distribution that it receives in respect of the deposited securities. Such a distribution will be subject to (i) appropriate adjustments for taxes withheld, (ii) the impermissibility or impracticability of such distribution with respect to certain holders and (iii) the deduction of the depositary and&#47;or its agents&#8217; fees and expenses in (1) converting any foreign currency to U.S. dollars by sale or in such other manner as the depositary may determine, to the extent that it determines that such conversion may be made on a reasonable basis, (2) transferring foreign currency or U.S. dollars to the United States by such means as the depositary may determine, to the extent that it determines that such transfer may be made on a reasonable basis, (3) obtaining any approval or license of any governmental authority required for such conversion or transfer, which is obtainable at a reasonable cost and within a reasonable time and (4) making any sale by public or private means in any commercially reasonable manner. To the extent that the </font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">depositary determines in its discretion that any distribution under the terms of the deposit agreement is not practicable with respect to any holder, the depositary may make such distribution as it so deems practicable, including the distribution of foreign currency, securities or property (or appropriate documents evidencing the right to receive foreign currency, securities or property) or the retention thereof as deposited securities with respect to such holder&#8217;s ADRs (without liability for interest thereon or the investment thereof). For a description of our dividend policies, see &#8220; Description of Ordinary Shares &#8212; Dividends&#8221; above.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If any distribution on deposited securities consists of a dividend in, or free distribution of, ordinary shares, the depositary will, to the extent practicable, distribute to you, in proportion to the number of ADSs you hold, additional ADRs evidencing an aggregate number of ADSs that represents the amount of ordinary shares received as such dividend or free distribution. In lieu of delivering ADRs for fractional ADSs in the event of any such dividend or free distribution, the depositary shall sell the number of ordinary shares represented by the aggregate of such fractions and distribute the net proceeds to holders entitled thereto.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If we offer or cause to be offered to holders of deposited securities any rights to subscribe for additional shares or rights of any nature, the depositary will to the extent practicable distribute warrants or other instruments, in its discretion, representing rights to acquire additional ADRs in respect of any rights that have been made available to the depositary as a result of a distribution on deposited securities, to the extent that we timely furnish to the depositary evidence satisfactory to the depositary that the depositary may lawfully distribute the same. We have no obligation to furnish such evidence, and to the extent that we do not furnish such evidence and the sales of rights are practicable, the depositary will distribute any U.S. dollars available to the depositary from the net proceeds of sales of rights, as in the case of cash, or, to the extent that we do not furnish such evidence and such sales cannot practicably be accomplished by reason of the non-transferability of the rights, limited markets therefor, their short duration, or otherwise, the depositary will distribute nothing (and any rights may lapse).</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The depositary will not offer rights to holders having an address in the U.S. unless both the rights and the securities to which such rights relate are either exempt from registration under the Securities Act with respect to a distribution to all holders or are registered under the provisions of the Securities Act. Notwithstanding any terms of the deposit agreement to the contrary, we shall have no obligation to prepare and file a registration statement in respect of any such rights.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Whenever the depositary shall receive any distribution other than cash, ordinary shares or rights in respect of the deposited securities, the depositary will to the extent practicable distribute securities or property available to the depositary resulting from such distribution to the holders entitled thereto by any means that the depositary may deem equitable and practicable, or, to the extent that the depositary deems distribution of such securities or property to not be equitable and practicable, any U.S. dollars available to the depositary from the net proceeds of sales of such securities or property, as in the case of cash.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Whenever we intend to distribute a dividend payable at the election of the holders of ordinary shares in cash or in additional shares, we shall give notice thereof to the depositary at least 30 days prior to the proposed distribution stating whether or not we wish such elective distribution to be made available to ADR holders. Upon receipt of notice indicating that we wish such elective distribution to be made available to ADR holders, </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">the depositary shall consult with us to determine, and we shall assist the depositary in its determination, whether it is lawful and reasonably practicable to make such elective distribution available to the ADR holders. The depositary shall make such elective distribution available to ADR holders only if (i) we shall have timely requested that the elective distribution is available to ADR holders, (ii) the depositary shall have determined that such distribution is reasonably practicable and (iii) the depositary shall have received satisfactory documentation within the terms of the deposit agreement including, without limitation, any legal opinions of counsel in any applicable jurisdiction that the depositary in its reasonable discretion may request, at our expense. If the above conditions are not satisfied, the depositary shall, to the extent permitted by law, distribute to the ADR holders, on the basis of the same determination as is made in the local market in respect of the ordinary shares for which no election is made, either (x) cash or (y) additional ADSs representing such additional ordinary shares. If the above conditions are satisfied, the depositary shall establish a record date and establish procedures to enable ADR holders to elect the receipt of the proposed dividend in cash or in additional ADSs. We shall assist the depositary in establishing such procedures to the extent necessary. Nothing herein shall obligate the depositary to make available to ADR holders a method to receive the elective dividend in ordinary shares (rather than ADSs). There can be no assurance that ADR holders generally, or any holder in particular, will be given the opportunity to receive elective distributions on the same terms and conditions as the holders of ordinary shares.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If the depositary determines that any distribution of property other than cash (including ordinary shares or rights) on deposited securities is subject to any tax which the depositary or the custodian is obligated to withhold, the depositary may dispose of all or a portion of such property in such amounts and in such manner as the depositary deems necessary and practicable to pay such taxes, by public or private sale, and the depositary will distribute the net proceeds of any such sale or the balance of any such property after deduction of such taxes to the holders entitled thereto.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Changes Affecting Deposited Securities</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the deposit agreement, the depositary may, in its discretion, and will if we so reasonably request, amend the ADRs or distribute additional or amended ADRs (with or without calling for the exchange of any ADRs) or cash, securities or property on the record date set by the depositary therefor to reflect any change in par value, split-up, consolidation, cancellation or other reclassification of deposited securities, any share distribution or any distribution other than cash, ordinary shares or rights, which in each case is not distributed to holders or any cash, securities or property available to the depositary in respect of the deposited securities from (and the depositary is authorized to surrender any deposited securities to any person and, irrespective of whether such deposited securities are surrendered or otherwise cancelled by operation of law, rule, regulation or otherwise, to sell by public or private sale any property received in connection with) any recapitalization, reorganization, merger, consolidation, liquidation, receivership, bankruptcy or sale of all or substantially all of our assets, and to the extent that the depositary does not so amend the ADRs or make a distribution to holders to reflect any of the foregoing, or the net proceeds thereof, whatever cash, securities or property results from any of the foregoing shall constitute deposited securities and each ADS evidenced by an ADR shall automatically represent its pro rata interest in the deposited securities as then constituted. Promptly upon the occurrence of any of the aforementioned changes affecting deposited securities, we shall notify the depositary in writing of such occurrence and as </font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">soon as practicable after receipt of such notice, may instruct the depositary to give notice thereof, at our expense, to holders in accordance with the provisions of the deposit agreement. Upon receipt of such instruction, the depositary shall give notice to the holders in accordance with the terms of the deposit agreement, as soon as reasonably practicable.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Record Dates</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The depositary may, after consultation with us if practicable, fix a record date (which, to the extent applicable, shall be as near as practicable to any corresponding record date set by us) for the determination of the holders who shall be responsible for the fee assessed by the depositary for administration of the ADR program and for any expenses provided in the deposit agreement as well as for the determination of the holders who shall be entitled to receive any distribution on or in respect of deposited securities, to give instructions for the exercise of any voting rights, to receive any notice or to act in respect of other matters and only such holders shall be so entitled or obligated.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Voting of Deposited Securities</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Subject to the following sentence, as soon as practicable after receipt of notice of any meetings at which the holders of ordinary shares are entitled to vote, or of solicitation of consents or proxies from holders of ordinary shares or other deposited securities, the depositary shall fix the ADS record date in accordance with the deposit agreement in respect of such meeting or solicitation of consent or proxy. The depositary shall, if we request in writing in a timely manner (the depositary having no obligation to take any further action if the request shall not have been received by the depositary at least thirty (30) days&#8217; prior to the date of such vote or meeting) and at our expense and provided no legal prohibitions exist, distribute to holders a notice stating&#58;</font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">i.</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%;padding-left:9.49pt">such information as is contained in such notice and any solicitation materials&#59;</font></div><div><font><br></font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">ii.</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%;padding-left:7.22pt">that each holder on the record date set by the depositary therefor will, subject to any applicable provisions of Dutch law, be entitled to instruct the depositary as to the exercise of the voting rights, if any, pertaining to the deposited securities represented by the ADSs evidenced by such holder&#8217;s ADRs&#59; and</font></div><div><font><br></font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">iii.</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%;padding-left:4.95pt">the manner in which such instructions may be given, including instructions to give a discretionary proxy to a person designated by us.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Upon actual receipt by the ADR department of the depositary of instructions of a holder on such record date in the manner and on or before the time established by the depositary for such purpose, the depositary shall endeavor, insofar as practicable and permitted under the provisions of, or governing, deposited securities, to vote or cause to be voted the deposited securities represented by such holder&#8217;s ADRs in accordance with such instructions. The depositary will not itself exercise any voting discretion in respect of any deposited securities. There is no guarantee that holders generally or any holder in particular will receive the notice </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">described above with sufficient time to enable such holder to return any voting instructions to the depositary in a timely manner.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Notwithstanding anything contained in the deposit agreement or any ADR, the depositary may, to the extent not prohibited by law or regulations, or by the requirements of the stock exchange on which the ADSs are listed, in lieu of distribution of the materials provided to the depositary in connection with any meeting of, or solicitation of consents or proxies from, holders of deposited securities, distribute to holders of ADRs a notice that provides such holders with, or otherwise publicizes to such holders, instructions on how to retrieve such materials or receive such materials upon request (</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">i.e.</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, by reference to a website containing the materials for retrieval or a contact for requesting copies of the materials).</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ADR holders are strongly encouraged to forward their voting instructions as soon as possible. Voting instructions will not be deemed received until such time as the ADR department responsible for proxies and voting has received such instructions notwithstanding that such instructions may have been physically received by the depositary prior to such time.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Reports and Other Communications</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have delivered to the depositary, the custodian and any transfer office a copy of all provisions of or governing the ordinary shares and any other deposited securities issued by us or any of our affiliates and, promptly upon any change thereto, we will deliver to the depositary, the custodian and any transfer office, a copy (in English or with an English translation) of such provisions as so changed.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Amendment and Termination of the Deposit Agreement</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Subject to the provisions of the deposit agreement, the ADRs and the deposit agreement may at any time be amended by us and the depositary without your consent&#59; provided that any amendment that imposes or increases any fees or charges (other than stock transfer or other taxes and other governmental charges, transfer or registration fees, SWIFT, cable, telex or facsimile transmission costs, delivery costs or other such expenses), or which otherwise prejudices any substantial existing right of yours, will take effect 30 days after notice of any such amendment has been given to ADR holders. Every holder of an ADR at the time any amendment to the deposit agreement so becomes effective will be deemed by continuing to hold such ADRs to consent and agree to such amendment and to be bound by the deposit agreement as amended thereby. In no event may any amendment impair the right of any holder of ADRs to surrender such ADRs and receive the deposited securities represented thereby, except in order to comply with mandatory provisions of applicable law.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Any amendments or supplements which (i) are reasonably necessary (as agreed by us and the depositary) in order for (a) the ADSs to be registered under the Securities Act or (b) the ADSs or our ordinary shares to be traded solely in electronic book-entry form and (ii) do not in either such case impose or increase any fees or charges to be borne by holders of ADRs, shall be deemed not to prejudice any substantial rights of such holders. Notwithstanding the foregoing, if any governmental body or regulatory body should adopt new </font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">laws, rules or regulations which would require amendment or supplement of the deposit agreement or the form of ADR to ensure compliance therewith, we and the depositary may amend or supplement the deposit agreement and the form of ADR at any time in accordance with such changed laws, rules or regulations. Such amendment or supplement to the deposit agreement in such circumstances may become effective before a notice of such amendment or supplement is given to holders of ADRs or within any other period of time as required for compliance. Notice of any amendment to the deposit agreement or form of ADR shall not need to describe in detail the specific amendments effectuated thereby, and failure to describe the specific amendments in any such notice shall not render such notice invalid, provided, </font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">however</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, that, in each such case, the notice given to the holders identifies a means for holders to retrieve or receive the text of such amendment (</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">i.e.</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, upon retrieval from the SEC&#8217;s, the depositary&#8217;s or our website or upon request from the depositary).</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The depositary may, and shall at our written direction, terminate the deposit agreement and the ADRs by mailing notice of such termination to the ADR holders at least 30 days prior to the date fixed in such notice for such termination&#59; provided, however, if the depositary shall have (i) resigned as depositary, notice of such termination by the depositary shall not be provided to ADR holders unless a successor depositary shall not be operating under the deposit agreement within 60 days of the date of such resignation, or (ii) been removed as depositary, notice of such termination by the depositary shall not be provided to ADR holders unless a successor depositary shall not be operating under the deposit agreement on the 60th day after our notice of removal was first provided to the depositary. After the date so fixed for termination, the depositary and its agents will perform no further acts under the deposit agreement and the ADRs, except to receive and hold (or sell) distributions on deposited securities and deliver deposited securities being withdrawn. As soon as practicable after the expiration of 6 months from the date so fixed for termination, the depositary shall sell the deposited securities and shall thereafter (as long as it may lawfully do so) hold in a segregated or unsegregated account the net proceeds of such sales, together with any other cash then held by it under the deposit agreement, without liability for interest, in trust for the </font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">pro rata</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> benefit of the holders of ADRs not theretofore surrendered. After making such sale, the depositary shall be discharged from all obligations in respect of the deposit agreement and the ADRs, except to account for such net proceeds and other cash. After the date so fixed for termination, we shall be discharged from all obligations under the deposit agreement except for our obligations to the depositary and its agents.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the event that the depositary resigns, is removed or is otherwise substituted, and a successor thereto is appointed, the successor depositary will promptly mail you notice of such appointment.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Liability of Holder for Taxes</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If any tax or other governmental charges (including any penalties and&#47;or interest) become payable by the custodian or the depositary with respect to any ADR, any deposited securities represented by the ADSs evidenced thereby or any distribution thereon, such tax or other governmental charge will be paid by the holder thereof to the depositary and by holding or having held an ADR the holder and all prior holders, jointly and severally, agree to indemnify, defend and hold harmless each of the depositary and its agents in respect thereof. The depositary may refuse to effect any registration, registration of transfer or any split-up or combination of such ADR or any withdrawal of deposited securities underlying such ADR until such payment </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">is made. The depositary may also deduct from any dividends or other distributions or may sell by public or private sale for your account any part or all of the deposited securities underlying such ADR and may apply such dividends, distributions or the proceeds of any such sale to pay any such tax or other governmental charges, and the holder of such ADR shall remain liable for any deficiency, and the depositary shall reduce the number of ADSs evidenced thereby to reflect any such sales of shares. In connection with any distribution to holders, we will remit to the appropriate governmental authority or agency all amounts (if any) required to be withheld and owing to such authority or agency by us&#59; and the depositary and the custodian will remit to the appropriate governmental authority or agency all amounts (if any) required to be withheld and owing to such authority or agency by the depositary or the custodian. If the depositary determines that any distribution in property other than cash (including shares or rights) on deposited securities is subject to any tax that the depositary or the custodian is obligated to withhold, the depositary may dispose of all or a portion of such property in such amounts and in such manner as the depositary deems necessary and practicable to pay such taxes, by public or private sale, and the depositary shall distribute the net proceeds of any such sale or the balance of any such property after deduction of such taxes to the holders entitled thereto. Each holder of an ADR or an interest therein agrees to indemnify the depositary, us, the custodian and any of their respective officers, directors, employees, agents and affiliates against, and hold each of them harmless from, any claims by any governmental authority with respect to taxes, additions to tax, penalties or interest arising out of any refund of taxes, reduced rate of withholding at source or other tax benefit obtained, which obligations shall survive any transfer or surrender of ADSs or the termination of the deposit agreement</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:11pt;font-weight:700;line-height:120%">.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Transfer of American Depositary Receipts</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The ADRs are transferable on the books of the depositary, provided that the depositary may close the transfer books or any portion thereof at any time or from time to time when deemed expedient by it, and may also close the issuance book portion of the transfer books when reasonably requested by us solely in order to enable us to comply with applicable law. As a condition precedent to the issue, registration, registration of transfer, split-up or combination of any ADR, the delivery of any distribution thereon, or withdrawal of any deposited securities, the depositary, we or the custodian may require (i) payment of a sum sufficient to reimburse it for any tax or other governmental charge and any stock transfer or registration fee with respect thereto (including any such tax or charge and fee with respect to ordinary shares being deposited or withdrawn) and payment of any applicable fees payable by the holders of ADRs under the deposit agreement, (ii) proof of the identity of any signatory and genuineness of any signature, (iii) information as to citizenship or residence, exchange control approval, beneficial ownership of any securities, compliance with applicable law, regulations, provisions of or governing the deposited securities and terms of the deposit agreement and the ADR or other information as it may deem necessary or proper, and (iv) compliance with such regulations as the depositary may establish consistent with the deposit agreement. The issuance, transfer, combination or split-up of ADRs or the withdrawal of deposited securities may be suspended, generally or in particular instances, during any period when the transfer books of the depositary or the books of ING or its agent for the registration and transfer of ordinary shares are closed or if any such action is deemed advisable by the depositary.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Limitations on Liability</font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Neither the depositary nor we nor any of our respective directors, officers, employees, agents or affiliates will be liable to you if by reason of any provision of any present or future law, rule, regulation, fiat, order or decree of the United States, The Netherlands or any other country or jurisdiction, or of any other governmental or regulatory authority or securities exchange or market or automated quotation system, or by reason of any provision of or governing any deposited securities or any provision of our charter, or by reason of any act of God, war, terrorism, nationalization, expropriation, currency restrictions, work stoppage, strike, civil unrest, revolutions, rebellions, explosions, computer failure or circumstance beyond any such party&#8217;s direct and immediate control, the depositary, we or any of our respective directors, employees, agents or affiliates shall be prevented or delayed in performing, or shall be subject to any civil or criminal penalty in connection with, any act which by the terms of the deposit agreement or the ADRs it is provided shall be done or performed by it or them (including, without limitation, voting pursuant to the terms of the ADRs)&#59; nor will the depositary, we or any of our respective directors, employees, agents or affiliates incur any liability to you by reason of any exercise of, or failure to exercise, any discretion provided for under the deposit agreement or any ADR (including, without limitation, any failure to determine that any distribution or action may be lawful or reasonably practicable), or for any action or inaction by it in reliance upon the advice of or information from legal counsel, accountants, any person presenting ordinary shares for deposit, any ADR holder, or any other person believed by it to be competent to give such advice or information.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Neither we nor the depositary nor any of our respective directors, officers, employees, agents or affiliates assume any obligation or be subject to any liability except to perform its obligations to the extent they are specifically provided under the deposit agreement or the ADRs without gross negligence or willful misconduct. We, the depositary and its agents and may rely and shall be protected in acting upon any written notice, request, direction, instruction or document believed to be genuine and to have been signed, presented or given by the proper party or parties.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The depositary and its agents have no obligation to appear in, prosecute or defend any action, suit or other proceeding in respect of any deposited securities or the ADRs, and we and our agents have no obligation to appear in, prosecute or defend any action, suit or other proceeding in respect of any deposited securities or the ADRs, which in our opinion may involve us in expense or liability, unless indemnity satisfactory to us against all expense (including fees and disbursements of counsel) and liability is furnished as often as may be required.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The depositary shall not be liable for the acts or omissions made by, or the insolvency of, any securities depository, clearing agency or settlement system, and shall not have any liability for the price received in connection with any sale of securities, the timing thereof or any delay in action or omission to act, nor shall it be responsible for any error or delay in action, omission to act, default or negligence on the part of the party so retained in connection with any such sale or proposed sale. The depositary shall be under no obligation to inform registered holders of ADRs or any other holders of an interest in any ADSs about the requirements of the laws, rules or regulations or any changes therein or thereto of any country or jurisdiction or of any governmental or regulatory authority or any securities exchange or market or automated quotation system. The depositary and its agents will not be responsible for any failure to carry out any instructions to vote any of the Deposited Securities, for the manner in which any such vote is cast or for the effect of any such vote. The depositary may rely upon instructions from us or our counsel in respect </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">of any approval or license required for any currency conversion, transfer or distribution. The depositary and its agents may own and deal in any class of our securities and securities or our affiliates and in ADRs. Notwithstanding anything to the contrary set forth in the deposit agreement or an ADR, the depositary and its agents may fully respond to any and all demands or requests for information maintained by or on its behalf in connection with the deposit agreement, any ADR holder or holders, any ADR or ADRs or otherwise related thereto to the extent such information is requested or required by or pursuant to any lawful authority, including without limitation laws, rules, regulations, administrative or judicial process, banking, securities or other regulators.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">None of us, the depositary or the custodian shall be liable for the failure by any registered holder or beneficial owner of ADRs to obtain the benefits of credits or refunds of non-U.S. tax paid against such holder's or beneficial owner's income tax liability. Neither we nor the depositary shall incur any liability for any tax or tax consequences that may be incurred by registered holders or beneficial owners of ADRs on account of their ownership or disposition of the ADRs or ADSs.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The depositary shall not incur any liability for the content of any information submitted to it by or on our behalf for distribution to the ADR holders or for any inaccuracy of any translation thereof, for any investment risk associated with acquiring an interest in the deposited securities, for the validity or worth of the deposited securities, for the credit-worthiness of any third party, for allowing any rights to lapse upon the terms of the deposit agreement or for the failure or timeliness of any notice from us. The depositary shall not be liable for any acts or omissions made by a successor depositary whether in connection with a previous act or omission of the depositary or in connection with any matter arising wholly after the removal or resignation of the depositary, unless a liability is directly caused by the previous gross negligence or willful misconduct of the depositary or its directors, officers, employees, agents or affiliates acting in their capacities as such under the deposit agreement.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Neither we nor the depositary nor any of our respective agents shall be liable to registered holders of ADRs or beneficial owners of interests in ADSs for any indirect, special, punitive or consequential damages (including, without limitation, legal fees and expenses) or lost profits, in each case of any form incurred by any person or entity, whether or not foreseeable and regardless of the type of action in which such a claim may be brought.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The depositary shall not be responsible for, and shall incur no liability in connection with or arising from any act or omission to act on the part of the custodian except to the extent that (i) such custodian was not us or one of our affiliates when such act or omission occurred and (ii) a holder has incurred liability directly as a result of the custodian having (a) committed fraud or willful misconduct in the provision of custodial services to the depositary or (b) failed to use reasonable care in the provision of custodial services to the depositary as determined in accordance with the standards prevailing in the jurisdiction in which the custodian is located. As long as we or one of our affiliates is serving as the custodian with respect to the deposit agreement we shall be solely liable for each and any act or failure to act on the part of the custodian.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">No disclaimer of liability under the Securities Act of 1933 or the Securities Exchange Act of 1934, to the extent applicable, is intended by any provision of the Deposit Agreement.</font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Governing Law, Submission to Jurisdiction and Waiver of Right to Trial by Jury</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The deposit agreement is governed by and construed in accordance with the laws of the State of New York.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have irrevocably agreed that any legal suit, action or proceeding against us brought by the depositary or any holder, arising out of or based upon the deposit agreement or the transactions contemplated thereby, may be instituted in any state or federal court in New York, New York, and irrevocably waive any objection which we may now or hereafter have to the laying of venue of any such proceeding, and irrevocably submit to the non-exclusive jurisdiction of such courts in any such suit, action or proceeding. We have also irrevocably agreed that any legal suit, action or proceeding against the depositary brought by us, arising out of or based upon the deposit agreement or the transactions contemplated thereby, may only be instituted in a state or federal court in New York, New York.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Each holder or beneficial owner of ADSs and each holder of interests therein, has irrevocably agreed that any legal suit, action or proceeding against or involving us or the depositary, arising out of or based on the deposit agreement, the ADSs, or the transactions contemplated thereby, may only be instituted in a state or federal court in New York, New York, and each such party has irrevocably waived any objection which it may now or hereafter have to the laying of venue of any such proceeding, and irrevocably submits to the exclusive jurisdiction of such courts in any such suit, action or proceeding.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Each party to the deposit agreement, including each holder and beneficial owner and&#47;or holder of interests in ADRs, irrevocably waives, to the fullest extent permitted by applicable law, any right it may have to a trial by jury in any suit, action or proceeding against the depositary and&#47;or us directly or indirectly arising out of or relating to the ordinary shares or other deposited securities, the ADSs or the ADRs, the deposit agreement or any transaction contemplated therein, or the breach thereof, whether based on contract, tort, common law or any other theory.</font></div><div style="margin-top:17pt"><font style="color:#696969;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Appointment</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the deposit agreement, each registered holder of ADRs and each person holding an interest in ADSs, upon acceptance of any ADSs (or any interest therein) issued in accordance with the terms and conditions of the deposit agreement shall be deemed for all purposes to&#58;</font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">i.</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%;padding-left:9.49pt">be a party to and bound by the terms of the deposit agreement and the applicable ADR(s), and</font></div><div><font><br></font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%">ii.</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:125%;padding-left:7.22pt">appoint the depositary its attorney-in-fact, with full power to delegate, to act on its behalf and to take any and all actions contemplated in the deposit agreement and the applicable ADR(s), to adopt any and all procedures necessary to comply with applicable law and to take such action as the depositary in its sole discretion may deem necessary or appropriate to carry out the purposes of the deposit agreement and the applicable ADR(s), the taking of such actions to be the conclusive determinant of the necessity and appropriateness thereof.</font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
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<DOCUMENT>
<TYPE>EX-8
<SEQUENCE>3
<FILENAME>a2023exhibit8.htm
<DESCRIPTION>EX-8
<TEXT>
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<title>Document</title></head><body><div id="i3e131e6cca1d4de5ad3a57acacc301c4_1"></div><div style="min-height:59.76pt;width:100%"><div style="-sec-extract:summary"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.392%"><tr><td style="width:1.0%"></td><td style="width:14.143%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.412%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.973%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.070%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.195%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:142%">Contents</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:142%">Part I  </font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:142%">Part II     </font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ff6200;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#333333;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:700;line-height:142%">Part III</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:142%">Additional information</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:142%">Financial Statements</font></div></td></tr></table></div><div><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.200%"><div><font><br></font></div><div style="-sec-extract:summary;margin-bottom:4pt;text-align:center"><font style="color:#333333;font-family:'Calibri',sans-serif;font-size:14pt;font-weight:700;line-height:149%">Exhibit 8</font></div><div style="margin-bottom:4pt;text-align:center"><font style="color:#333333;font-family:'Calibri',sans-serif;font-size:14pt;font-weight:700;line-height:149%">Principal subsidiaries</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:166%">The principal subsidiaries of ING Groep N.V. and their statutory place of incorporation and primary country of operation are as follows&#58;</font></div><div><font><br></font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:27.626%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.818%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:24.986%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.744%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.061%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.065%"></td><td style="width:0.1%"></td></tr><tr><td colspan="18" style="background-color:#ff6200;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#ffffff;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Principal subsidiaries</font></td></tr><tr style="height:38pt"><td colspan="3" rowspan="2" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" rowspan="2" style="padding:0 1pt"></td><td colspan="3" rowspan="2" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Proportion of ownership and interest held</font></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">by the group</font></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:middle"><font style="color:#ff6200;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">&#160;</font></td><td colspan="3" style="padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:middle"><font style="color:#ff6200;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">&#160;</font></td><td colspan="3" style="padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#ff6200;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:700;line-height:133%">&#160;</font></td><td colspan="3" style="padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#ff6200;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:700;line-height:133%">&#160;</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#ff6200;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:700;line-height:133%">2023</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#ff6200;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:700;line-height:133%">2022</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Subsidiary</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:700;line-height:133%">&#160;</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Statutory place of Incorporation</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:700;line-height:133%">Country of operation</font></td><td colspan="3" style="background-color:#f0f0f0;border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">&#160;</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">&#160;</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">ING Bank N.V.</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">&#160;</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Amsterdam</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">the Netherlands</font></td><td colspan="3" style="background-color:#f0f0f0;border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Bank Mendes Gans N.V.</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">&#160;</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Amsterdam</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">the Netherlands</font></td><td colspan="3" style="background-color:#f0f0f0;border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">ING Belgium S.A.&#47;N.V.</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">&#160;</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Brussels</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Belgium</font></td><td colspan="3" style="background-color:#f0f0f0;border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">ING Luxembourg S.A.</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">&#160;</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Luxembourg City</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Luxembourg</font></td><td colspan="3" style="background-color:#f0f0f0;border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">ING-DiBa AG</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">&#160;</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Frankfurt am Main</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Germany</font></td><td colspan="3" style="background-color:#f0f0f0;border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:0.85pt;padding-right:0.85pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:193%">ING Bank Slaski S.A.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:5.85pt;font-weight:400;line-height:193%;position:relative;top:-3.15pt;vertical-align:baseline">1</font></div></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">&#160;</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Katowice</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Poland</font></td><td colspan="3" style="background-color:#f0f0f0;border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">75%</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">75%</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">ING Financial Holdings Corporation</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">&#160;</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Delaware</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">United States of America</font></td><td colspan="3" style="background-color:#f0f0f0;border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">ING Bank A.S.</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">&#160;</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Istanbul</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">T&#252;rkiye</font></td><td colspan="3" style="background-color:#f0f0f0;border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">ING Bank (Australia) Ltd</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">&#160;</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Sydney</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Australia</font></td><td colspan="3" style="background-color:#f0f0f0;border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td></tr><tr><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">ING Commercial Finance B.V.</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">&#160;</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Amsterdam</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">the Netherlands</font></td><td colspan="3" style="background-color:#f0f0f0;border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td><td colspan="3" style="border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #a8a8a8;border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">ING Groenbank N.V.</font></td><td colspan="3" style="border-bottom:1pt solid #a8a8a8;border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">&#160;</font></td><td colspan="3" style="border-bottom:1pt solid #a8a8a8;border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">Amsterdam</font></td><td colspan="3" style="border-bottom:1pt solid #a8a8a8;border-top:1pt solid #a8a8a8;padding:2px 1pt 2px 1.87pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">the Netherlands</font></td><td colspan="3" style="background-color:#f0f0f0;border-bottom:1pt solid #a8a8a8;border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td><td colspan="3" style="border-bottom:1pt solid #a8a8a8;border-top:1pt solid #a8a8a8;padding:2px 1.87pt 2px 1pt;text-align:right;vertical-align:middle"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:133%">100%</font></td></tr></table></div><div style="padding-left:14.4pt;text-indent:-14.4pt"><font><br></font></div><div style="padding-left:14.4pt;text-indent:-14.4pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1 The shares of the non-controlling interest stake of 25% are listed on the Warsaw Stock Exchange, for summarised financial information we refer to &#8216;Note 31 &#8216;Information on geographical areas&#8217;.</font></div><div><font><br></font></div></div><div style="display:inline-block;max-width:3.599%;min-width:2.599%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.201%"></div></div><div style="height:41.76pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary"><font style="color:#a8a8a8;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:115%">ING Group Annual Report 2023 on Form 20-F&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:115%">1</font></div><div><font><br></font></div></div></div></body></html>
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<TYPE>EX-12.1
<SEQUENCE>4
<FILENAME>a2023exhibit121.htm
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<title>Document</title></head><body><div id="i4d1825fadd674b7a8a74b1d1cd9a083a_1"></div><div style="min-height:59.76pt;width:100%"><div style="-sec-extract:summary"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.392%"><tr><td style="width:1.0%"></td><td style="width:14.143%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.412%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.973%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.070%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.195%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Contents</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Part I  </font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Part II     </font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ff6200;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#333333;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Part III</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Additional information</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Financial Statements</font></div></td></tr></table></div><div><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.200%"><div style="-sec-extract:summary;margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:700;line-height:100%">Exhibit 12.1</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:700;line-height:100%">CERTIFICATION</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">I, Steven van Rijswijk, certify that&#58;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">1.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:28.03pt">I have reviewed this Annual Report on Form 20-F of ING Groep N.V.&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">2.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:28.03pt">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">3.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:28.03pt">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the company as of, and for, the periods presented in this report&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">4.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:28.03pt">The company&#8217;s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the company and have&#58;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">(a)</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:24.62pt">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the company, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">(b)</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:24.13pt">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">(c)</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:25.21pt">Evaluated the effectiveness of the company&#8217;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">(d)</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:24.13pt">Disclosed in this report any change in the company&#8217;s internal control over financial reporting that occurred during the period covered by the annual report that has materially affected, or is reasonably likely to materially affect, the company&#8217;s internal control over financial reporting&#59; and</font></div><div style="text-indent:-18pt"><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div></div><div style="display:inline-block;max-width:3.599%;min-width:2.599%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.201%"><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">5.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:28.03pt">The company&#8217;s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the company&#8217;s auditors and the audit committee of the company&#8217;s board of directors (or persons performing the equivalent functions)&#58;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">(a)</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:24.62pt">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the company&#8217;s ability to record, process, summarize and report financial information&#59; and</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">(b)</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:24.13pt">Any fraud, whether or not material, that involves management or other employees who have a significant role in the company&#8217;s internal control over financial reporting.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">Date&#58;  March 4, 2024</font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:60.524%"><tr><td style="width:1.0%"></td><td style="width:42.087%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:55.713%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">&#47;s&#47; Steven van Rijswijk</font></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">Steven van Rijswijk</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">Chief Executive Officer</font></td></tr></table></div><div style="margin-bottom:12pt"><font><br></font></div></div></div><div style="height:41.76pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary"><font style="color:#a8a8a8;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:115%">ING Group Annual Report 2023 on Form 20-F&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:115%">1</font></div><div><font><br></font></div></div></div></body></html>
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<TYPE>EX-12.2
<SEQUENCE>5
<FILENAME>a2023exhibit122.htm
<DESCRIPTION>EX-12.2
<TEXT>
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<title>Document</title></head><body><div id="iaab20a186b1f4c4ca87a76d20bd072b7_1"></div><div style="min-height:59.76pt;width:100%"><div style="-sec-extract:summary"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.392%"><tr><td style="width:1.0%"></td><td style="width:14.143%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.412%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.973%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.070%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.195%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Contents</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Part I  </font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Part II     </font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ff6200;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#333333;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Part III</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Additional information</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Financial Statements</font></div></td></tr></table></div><div><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.497%"><div style="-sec-extract:summary;margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:700;line-height:100%">Exhibit 12.2</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:700;line-height:100%">CERTIFICATION</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">I, Tanate Phutrakul, certify that&#58;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">1.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:28.03pt">I have reviewed this Annual Report on Form 20-F of ING Groep N.V.&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">2.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:28.03pt">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">3.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:28.03pt">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the company as of, and for, the periods presented in this report&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">4.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:28.03pt">The company&#8217;s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the company and have&#58;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">(a)</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:24.62pt">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the company, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">(b)</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:24.13pt">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles&#59;</font></div><div style="padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:142%">(c)</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:142%;padding-left:24.81pt">Evaluated the effectiveness of the company&#8217;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation&#59;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">(d)</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:24.13pt">Disclosed in this report any change in the company&#8217;s internal control over financial reporting that occurred during the period covered by the annual report that has materially affected, or is reasonably likely to materially affect, the company&#8217;s internal control over financial reporting&#59; and</font></div><div style="text-indent:-18pt"><font><br></font></div><div><font><br></font></div><div><font><br></font></div><div><font><br></font></div></div><div style="display:inline-block;max-width:3.004%;min-width:2.004%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.499%"><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">5.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:28.03pt">The company&#8217;s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the company&#8217;s auditors and the audit committee of the company&#8217;s board of directors (or persons performing the equivalent functions)&#58;</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">(a)</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:24.62pt">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the company&#8217;s ability to record, process, summarize and report financial information&#59; and</font></div><div style="margin-bottom:12pt;padding-left:36pt;text-indent:-36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">(b)</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;padding-left:24.13pt">Any fraud, whether or not material, that involves management or other employees who have a significant role in the company&#8217;s internal control over financial reporting.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">Date&#58;  March 4, 2024</font></div><div><font><br></font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:65.718%"><tr><td style="width:1.0%"></td><td style="width:57.723%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:40.077%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">&#47;s&#47; Tanate Phutrakul</font></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">Tanate Phutrakul</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">Chief Financial Officer</font></td></tr></table></div><div style="margin-bottom:12pt"><font><br></font></div></div></div><div style="height:41.76pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary"><font style="color:#a8a8a8;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:115%">ING Group Annual Report 2023 on Form 20-F&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:115%">1</font></div><div><font><br></font></div></div></div></body></html>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-13.1
<SEQUENCE>6
<FILENAME>a2023exhibit131.htm
<DESCRIPTION>EX-13.1
<TEXT>
<html><head>
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<title>Document</title></head><body><div id="i81f1e30bd8c54360ad8fd0cd78ba34df_1"></div><div style="min-height:59.76pt;width:100%"><div style="-sec-extract:summary"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.392%"><tr><td style="width:1.0%"></td><td style="width:14.143%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.412%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.973%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.070%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.195%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Contents</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Part I  </font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Part II     </font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ff6200;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#333333;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Part III</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Additional information</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Financial Statements</font></div></td></tr></table></div><div><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.200%"><div style="-sec-extract:summary;margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">Exhibit 13.1</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:700;line-height:100%">Certification<br>Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002<br>(Subsections (a) and (b) of Section 1350, Chapter 63 of Title 18, United States Code)</font></div><div style="margin-bottom:12pt;text-indent:72pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">Pursuant to section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of section 1350, chapter 63 of title 18, United States Code), the undersigned officer of ING Groep N.V., a public limited company incorporated under the laws of the Netherlands (the &#8220;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;text-decoration:underline">Company</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">&#8221;), hereby certifies, to such officer&#8217;s knowledge, that&#58;</font></div><div style="margin-bottom:12pt;text-indent:72pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">The Annual Report on Form 20-F for the year ended December 31, 2023 (the &#8220;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;text-decoration:underline">Report</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">&#8221;) of the Company fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934 and information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">Dated&#58;  March 4, 2024</font></div><div style="margin-bottom:12pt"><font><br></font></div><div style="margin-bottom:12pt;padding-left:150pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">&#47;s&#47; Steven van Rijswijk</font></div><div style="margin-bottom:12pt;padding-left:150pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;text-decoration:underline">&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;<br></font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">Name&#58;&#160;&#160;&#160;&#160;Steven van Rijswijk<br>Title&#58;&#160;&#160;&#160;&#160;Chairman of the Executive Board<br>&#160;&#160;&#160;&#160;(Principal Executive Officer)</font></div><div style="margin-bottom:12pt"><font><br></font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">The foregoing certification is being furnished solely pursuant to section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of section 1350, chapter 63 of title 18, United States Code) and is not being filed as part of the Report or as a separate disclosure document.</font></div><div style="margin-bottom:12pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">A signed original of this written statement required by Section 906 has been provided to ING Groep N.V. and will be retained by ING Groep N.V. and furnished to the Securities and Exchange Commissions or its staff upon request.</font></div></div><div style="display:inline-block;max-width:3.599%;min-width:2.599%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.201%"></div></div><div style="height:41.76pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary"><font style="color:#a8a8a8;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:115%">ING Group Annual Report 2023 on Form 20-F&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:115%">1</font></div><div><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-13.2
<SEQUENCE>7
<FILENAME>a2023exhibit132.htm
<DESCRIPTION>EX-13.2
<TEXT>
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<title>Document</title></head><body><div id="i5906d637dd91466db0298788442fd788_1"></div><div style="min-height:59.76pt;width:100%"><div style="-sec-extract:summary"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.392%"><tr><td style="width:1.0%"></td><td style="width:14.143%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.412%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.973%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.070%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.195%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Contents</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Part I  </font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Part II     </font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ff6200;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#333333;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Part III</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Additional information</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Financial Statements</font></div></td></tr></table></div><div><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.200%"><div style="-sec-extract:summary;margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">Exhibit 13.2</font></div><div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:700;line-height:100%">Certification<br>Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002<br>(Subsections (a) and (b) of Section 1350, Chapter 63 of Title 18, United States Code)</font></div><div style="margin-bottom:12pt;text-indent:72pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">Pursuant to section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of section 1350, chapter 63 of title 18, United States Code), the undersigned officer of ING Groep N.V., a public limited company incorporated under the laws of the Netherlands (the &#8220;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;text-decoration:underline">Company</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">&#8221;), hereby certifies, to such officer&#8217;s knowledge, that&#58;</font></div><div style="margin-bottom:12pt;text-indent:72pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">The Annual Report on Form 20-F for the year ended December 31, 2023 (the &#8220;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%;text-decoration:underline">Report</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">&#8221;) of the Company fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934 and information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.</font></div><div style="margin-bottom:12pt;padding-right:1.7pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">Dated&#58;  March 4, 2024</font></div><div style="margin-bottom:12pt;padding-left:144pt;padding-right:1.7pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">&#47;s&#47; Tanate Phutrakul</font></div><div style="margin-bottom:12pt;padding-left:144pt;padding-right:1.7pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">_________________________</font></div><div style="margin-bottom:12pt;padding-left:144pt;padding-right:1.7pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">Name&#58;&#160;&#160;&#160;&#160;Tanate Phutrakul<br>Title&#58;&#160;&#160;&#160;&#160;Chief Financial Officer<br>&#160;&#160;&#160;&#160;(Principal Financial Officer)</font></div><div style="margin-bottom:12pt"><font><br></font></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">The foregoing certification is being furnished solely pursuant to section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of section 1350, chapter 63 of title 18, United States Code) and is not being filed as part of the Report or as a separate disclosure document.</font></div><div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:100%">A signed original of this written statement required by Section 906 has been provided to ING Groep N.V. and will be retained by ING Groep N.V. and furnished to the Securities and Exchange Commissions or its staff upon request.</font></div></div><div style="display:inline-block;max-width:3.599%;min-width:2.599%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.201%"></div></div><div style="height:41.76pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary"><font style="color:#a8a8a8;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:115%">ING Group Annual Report 2023 on Form 20-F&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:115%">1</font></div><div><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-15.1
<SEQUENCE>8
<FILENAME>a2023exhibit151.htm
<DESCRIPTION>EX-15.1
<TEXT>
<html><head>
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<title>Document</title></head><body><div id="ic32f1f1d62394866856592b48225083f_1"></div><div style="min-height:59.76pt;width:100%"><div style="-sec-extract:summary"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.392%"><tr><td style="width:1.0%"></td><td style="width:14.143%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.412%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.973%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.070%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.195%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Contents</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Part I  </font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Part II     </font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ff6200;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#333333;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:115%">Part III</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Additional information</font></div></td><td colspan="3" style="border-bottom:1.5pt solid #ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:7.35pt;text-align:right"><font style="color:#696969;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:115%">Financial Statements</font></div></td></tr></table></div><div><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.200%"><div><font><br></font></div><div style="-sec-extract:summary;text-align:center"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:700;line-height:166%">Exhibit 15.1</font></div><div style="margin-bottom:14.4pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:12pt;font-weight:700;line-height:100%">Consent of Independent Registered Public Accounting Firm</font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:166%">The Supervisory Board </font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:166%">ING Groep N.V.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:142%">We consent to the incorporation by reference in the registration statements (Nos. 333-92220, 333-81564, 333-108833, 333-125075, 333-137354, 333-149631, 333-158154, 333-158155,  333-165591, 333-168020, 333-172919, 333-172920, 333-172921 and 333-215535) on Form S-8 and in the registration statement (No. 333-266516) on Form F-3 of our reports dated March 4, 2024 with respect to the consolidated financial statements of ING Groep N.V. and the effectiveness of internal control over financial reporting as of December 31, 2023.</font></div><div style="margin-bottom:14.4pt"><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:142%">&#47;s&#47; KPMG Accountants N.V.</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:142%">Amstelveen, The Netherlands</font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10.5pt;font-weight:400;line-height:166%">March 8, 2024</font></div><div style="margin-bottom:14.4pt"><font><br></font></div></div><div style="display:inline-block;max-width:3.599%;min-width:2.599%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.201%"></div></div><div style="height:41.76pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="-sec-extract:summary"><font style="color:#a8a8a8;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:115%">ING Group Annual Report 2023 on Form 20-F&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:115%">1</font></div><div><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-15.2
<SEQUENCE>9
<FILENAME>a2023exhibit152.htm
<DESCRIPTION>EX-15.2
<TEXT>
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<title>Document</title></head><body><div id="i727f461d8d914ba691100982a3523844_1"></div><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:80%">EXHIBIT 15.2  </font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Letter from KPMG Accountants N.V. addressed to the SEC regarding the Change in Registrant's Certifying Accountant disclosures in this Annual Report on Form 20-F</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Securities and Exchange Commission<br>Washington, D.C. 20549</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Ladies and Gentlemen&#58;</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are currently principal accountants for ING Groep N.V. and, under the date of March 4, 2024, we reported on the consolidated financial statements of ING Groep N.V. as of and for the years ended December 31, 2023 and 2022, and the effectiveness of internal control over financial reporting as of December 31, 2023. In February 2024, we were notified that ING Groep N.V. will engage Deloitte Accountants B.V. as its principal accountant for the year ending December 31, 2026 onwards and that the auditor-client relationship with KPMG Accountants N.V. will cease after completion of the audit of ING Groep N.V.&#8217;s consolidated financial statements as of and for the year ended December 31, 2025 and the effectiveness of internal control over financial reporting as of December 31, 2025, and the issuance of our reports thereon. </font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have read ING Groep N.V.&#8217;s statements included under Item 16F of its Form 20-F dated March 8, 2024, and we agree with such statements except that we are not in a position to agree or disagree with ING Groep N.V.&#8217;s statement in the final paragraph of item 16F that, during the fiscal years ended 31 December 2023 and 2022 and any subsequent interim period through 30 January 2024, neither ING Groep N.V. nor anyone on its behalf has consulted with Deloitte Accountants B.V. regarding either (i) the application of accounting principles to a specified transaction, either completed or proposed, or the type of audit opinion that might be rendered with respect to the consolidated financial statements of ING Groep N.V., and neither a written report nor oral advice was provided to ING Groep N.V. that Deloitte Accountants B.V. concluded was an important factor considered by ING Groep N.V. in reaching a decision as to any accounting, auditing, or financial reporting issue&#59; or (ii) any matter that was the subject of a disagreement as that term is used in Item 16F(a)(1)(iv) of Form 20-F or a &#8220;reportable event&#8221; as described in Item 16F(a)(1)(v) of Form 20-F.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Very truly yours,</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#47;s&#47; KPMG Accountants N.V.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Amstelveen, The Netherlands<br>March 8, 2024</font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
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<title>Document</title></head><body><div id="ia48a11712fe745afa2bc9e8de2a927c5_1"></div><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:8pt;margin-top:20pt"><font style="color:#ff6200;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:700;line-height:120%">EXHIBIT 97 CLAWBACK RULES FOR ERRONEOUSLY AWARDED VARIABLE REMUNERATION FOR EXECUTIVE OFFICERS</font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">I.BACKGROUND</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING Groep N.V. (hereafter &#8220;ING&#8221;) has adopted these Clawback Rules regarding the recovery of erroneously awarded Variable Remuneration (&#8220;Clawback Rules&#8221;) to provide for the recovery or &#8220;clawback&#8221; of excess Variable Remuneration awarded to current or former Executive Officers of ING in the event of a required Restatement (as defined below). </font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These Clawback Rules are intended to comply with the requirements of Section 303A.14 of the New York Stock Exchange (&#8220;NYSE&#8221;) Listed Company Manual (the &#8220;Listing Standard&#8221;). To the extent that any provision in these Clawback Rules is ambiguous as to its compliance with the Listing Standard or to the extent any provision in these Clawback Rules must be modified to comply with the Listing Standard, such provision will be read, or will be modified, as the case may be, in such a manner so that all applicable provisions under these Clawback Rules comply with the Listing Standard.</font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">II. INTRODUCTION</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the event that ING is required to prepare an accounting restatement due to the material non-compliance of ING with any financial reporting requirement under applicable securities laws, including any required accounting restatement to correct an error in previously issued financial statements that is material to the previously issued financial statements, or that would result in a material misstatement if the error were corrected in the current period or left uncorrected in the current period (a &#8220;Restatement&#8221;), ING shall recover reasonably promptly the amount of erroneously awarded Variable Remuneration in compliance with these Clawback Rules except to the extent provided under the section entitled &#8220;V. Exceptions&#8221; herein. Recovery can be effectuated by ING amongst others by means of applying clawback (returning ownership of paid and&#47;or vested Variable Remuneration) and&#47;or holdback (forfeiture of awarded but unvested Variable Remuneration) and&#47;or in-year Variable Remuneration reduction (reduction of awarded but not yet paid Variable Remuneration related to a specific performance year) of the erroneously awarded Variable Remuneration.</font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">III. SCOPE OF CLAWBACK RULES</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">A. Persons covered and recovery period. </font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These Clawback Rules apply to all Variable Remuneration received by an Executive Officer&#58; </font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.93pt">after beginning service as an Executive Officer,</font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.93pt">who served as an Executive Officer at any time during the performance period for that Variable Remuneration,</font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.93pt">while ING has a class of securities listed on NYSE (or any other recognised US stock exchange), and</font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.93pt">during the three completed financial years immediately preceding the date that ING is required to prepare a Restatement (the &#8220;Recovery Period&#8221;).</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Notwithstanding this look-back requirement, ING is only required to apply these Clawback Rules to Variable Remuneration received on or after 2 October 2023.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For purposes of these Clawback Rules, Variable Remuneration shall be deemed &#8220;received&#8221; in ING&#8217;s fiscal period during which the Financial Reporting Measure (as defined herein) specified in the Variable Remuneration award is attained, even if the payment or grant of the Variable Remuneration occurs after the end of that period.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">B. Transition period</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. In addition to the Recovery Period, these Clawback Rules apply to any transition period (that results from a change in ING&#8217;s fiscal year) within or immediately following the Recovery Period (a &#8220;Transition Period&#8221;), provided that a Transition Period between the last day of ING&#8217;s previous fiscal year end and the first day of ING&#8217;s new fiscal year that comprises a period of nine to 12 months will be deemed a completed fiscal year. For clarity, ING&#8217;s obligation to recover erroneously awarded Variable Remuneration under these Clawback Rules is not dependent on if or when a Restatement is filed.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">C. Determining recovery period</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. For purposes of determining the relevant Recovery Period, the date that ING is required to prepare the Restatement is the earlier to occur of&#58;</font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.93pt">the date the Relevant Body concludes, or reasonably should have concluded, that ING is required to prepare a Restatement, or</font></div><div style="padding-left:14.17pt;text-indent:-14.17pt"><font style="color:#000000;font-family:'ING Me',sans-serif;font-size:16pt;font-weight:400;line-height:80%">&#8226;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:80%;padding-left:8.93pt">the date a court, regulator, or other legally authorized body directs ING to prepare a Restatement.</font></div><div><font><br></font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">IV. AMOUNT SUBJECT TO RECOVERY</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">A. Recoverable amount</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The amount of Variable Remuneration subject to recovery under these Clawback Rules is the amount of Variable Remuneration received that exceeds the amount of Variable Remuneration that otherwise would have been received had it been determined based on the restated amounts, computed without regard to any taxes paid. </font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">B. Covered compensation based on stock price</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. For Variable Remuneration based on stock price, where the amount of erroneously awarded Variable Remuneration is not subject to mathematical recalculation directly from the information in a Restatement, the recoverable amount shall be based on a reasonable estimate of the effect of the Restatement on the stock price upon which the Variable Remuneration was received. In such event, ING shall maintain documentation of the determination of that reasonable estimate and provide such documentation to NYSE.  </font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:36pt;width:100%"><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:48.219%"><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">V. EXCEPTIONS</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING shall recover erroneously awarded Variable Remuneration in compliance with these Clawback Rules except to the extent that the conditions set out below are met and the Supervisory Board of ING Groep N.V. has decided that recovery would be impracticable&#58; </font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">A. Direct expense exceeds recoverable amount</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The direct expense paid to a third party to assist in enforcing these Clawback Rules would exceed the amount to be recovered&#59; provided, however, that before concluding it would be impracticable to recover any amount of erroneously awarded Variable Remuneration based on the anticipated expense of enforcement, ING shall make a reasonable attempt to recover such erroneously awarded Variable Remuneration, document such reasonable attempt(s) to recover, and provide that documentation to NYSE.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">B. Violation of home country law</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. Recovery would violate Dutch law and&#47;or any other relevant jurisdiction law that is applicable to the relevant Executive Officer (&#8220;Relevant Law&#8221;), where such law was adopted prior to November 28, 2022&#59; provided, however, that before concluding it would be impracticable to recover any amount of erroneously awarded Variable Remuneration based on violation of Relevant Law, ING shall obtain an opinion of legal counsel, acceptable to NYSE, that recovery would result in such a violation, and shall provide such opinion to NYSE.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:700;line-height:120%">C. Recovery from certain tax-qualified retirement plans</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. Recovery would likely cause an otherwise tax-qualified retirement plan, under which benefits are broadly available to employees of ING, to fail to meet the requirements of 26 U.S.C. 401(a)(13) or 26 U.S.C. 411(a) and regulations thereunder. </font><font style="color:#ff0090;font-family:'Arial',sans-serif;font-size:10.5pt;font-weight:400;line-height:120%"> </font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">VI. PROHIBITION AGAINST INDEMNIFICATION</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING shall not indemnify any Executive Officer or former Executive Officer against the loss of erroneously awarded Variable Remuneration. </font><font style="color:#ff0090;font-family:'Arial',sans-serif;font-size:10.5pt;font-weight:400;line-height:120%"> </font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">VII. DISCLOSURE</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ING shall file all disclosures with respect to recoveries under these Clawback Rules in accordance with the requirements of the U.S. Federal securities laws, including the disclosure required by the applicable Securities and Exchange Commission (&#8220;SEC&#8221;) filings.  </font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">VIII. DEFINITIONS</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unless the context otherwise requires, the following definitions apply for purposes of these Clawback Rules&#58;</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Executive Board</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; means the management board of ING Groep N.V. </font></div></div><div style="display:inline-block;max-width:3.561%;min-width:2.561%;vertical-align:top"></div><div style="display:inline-block;vertical-align:top;width:48.220%"><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Executive Officer</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; means a member of the Executive Board or of the Management Board Banking. </font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Financial Reporting Measures</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; means any of the following&#58; (i) measures that are determined and presented in accordance with the accounting principles used in preparing ING&#8217;s financial statements, and any measures that are derived wholly or in part from such measures, (ii) stock price or (iii) total shareholder return. A Financial Reporting Measure need not be presented within ING&#8217;s financial statements or included in a filing with the SEC.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Management Board Banking</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; means the management board of ING Bank N.V. </font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Relevant Body</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; means the Executive Board, a committee of the Executive Board, or the officer or officers of ING authorised to conclude that ING is required to prepare a Restatement if the Executive Board action is not required.</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Variable Remuneration</font><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; means any compensation that is awarded, granted, earned, or vested based wholly or in part upon the attainment of a Financial Reporting Measure.  </font></div><div style="margin-bottom:4pt;margin-top:17pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:12pt;font-weight:700;line-height:120%">IX. EFFECTIVENESS</font></div><div style="margin-bottom:15pt;margin-top:15pt"><font style="color:#333333;font-family:'ING Me',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These Clawback Rules shall be effective as of 1 December 2023. These Clawback Rules are meant to apply in conjunction with the clawback rules and provisions as outlined in applicable laws and regulations (such as legislation and rules pursuant to the EU Capital Requirements Directive) and ING&#8217;s implementation thereof.</font></div><div style="margin-bottom:0.52pt;margin-top:15pt"><font><br></font></div><div style="margin-top:17pt"><font><br></font></div><div><font><br></font></div><div style="margin-bottom:4pt;margin-top:17pt"><font><br></font></div></div></div><div style="height:38.16pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
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  <xs:element id="ing_InternalCreditGradeFourMember" abstract="true" name="InternalCreditGradeFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_LoansAndAdvancesToCustomersExcludingRepurchaseAgreementSubjectToOffsetting" abstract="false" name="LoansAndAdvancesToCustomersExcludingRepurchaseAgreementSubjectToOffsetting" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfCapitalManagementTable" abstract="true" name="DisclosureOfCapitalManagementTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_ValueToLoanCategorizationAxis" abstract="true" name="ValueToLoanCategorizationAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_DamagesClaimedInLitigationCase" abstract="false" name="DamagesClaimedInLitigationCase" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ContributionsToSingleResolutionFund" abstract="false" name="ContributionsToSingleResolutionFund" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CustomerDepositsSavingsAccounts" abstract="false" name="CustomerDepositsSavingsAccounts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TaxEffectOfStateAndLocalTaxses" abstract="false" name="TaxEffectOfStateAndLocalTaxses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ThirdPartySecuritisationVehiclesMember" abstract="true" name="ThirdPartySecuritisationVehiclesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AppreciationDepreciationInCurrencyValue" abstract="false" name="AppreciationDepreciationInCurrencyValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_CorporateLineBankingMember" abstract="true" name="CorporateLineBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ReserveOfRemeasurementsOfDefinedBenefitPlansBeforeTax" abstract="false" name="ReserveOfRemeasurementsOfDefinedBenefitPlansBeforeTax" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DebtSecuritiesInIssueMember" abstract="true" name="DebtSecuritiesInIssueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_Ias37Ifrs9OffBalanceProvisionsMember" abstract="true" name="Ias37Ifrs9OffBalanceProvisionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_LoansAndAdvancesToCustomersAbstract" abstract="true" name="LoansAndAdvancesToCustomersAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_FullyLoadedCommonEquityTierOneCapitalPercentage" abstract="false" name="FullyLoadedCommonEquityTierOneCapitalPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_AdditionsInInvestmentsInAssociatesAndJointVentures" abstract="false" name="AdditionsInInvestmentsInAssociatesAndJointVentures" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_MaturityDateBeyondJune2023Member" abstract="true" name="MaturityDateBeyondJune2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ImpairmentLossOfInvestmentsInAssociatesAndJointVentures" abstract="false" name="ImpairmentLossOfInvestmentsInAssociatesAndJointVentures" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_LowerPublicAdministrationMember" abstract="true" name="LowerPublicAdministrationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_LoansAndAdvancesToCustomersMember" abstract="true" name="LoansAndAdvancesToCustomersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PropertyPlantAndEquipmentRemeasurement" abstract="false" name="PropertyPlantAndEquipmentRemeasurement" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FxForwardsAndCrossCurrencySwapsMember" abstract="true" name="FxForwardsAndCrossCurrencySwapsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_KeyManagementPersonnelCompensationOtherVariableCompensation" abstract="false" name="KeyManagementPersonnelCompensationOtherVariableCompensation" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AdditionalProvisionsLegalProvisions" abstract="false" name="AdditionalProvisionsLegalProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AggregateLendingInvestmentAndMoneyMarketMember" abstract="true" name="AggregateLendingInvestmentAndMoneyMarketMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfMarketRiskLineItems" abstract="true" name="DisclosureOfMarketRiskLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_MiscellaneousInterestIncome" abstract="false" name="MiscellaneousInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfNumberOfEmployeesTableTextBlock" abstract="false" name="DisclosureOfNumberOfEmployeesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_RevaluationReservesCreditLiability" abstract="false" name="RevaluationReservesCreditLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TypesOfNonHedgesAxis" abstract="true" name="TypesOfNonHedgesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_FinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossMember" abstract="true" name="FinancialAssetsAndLiabilitiesAtFairValueThroughProfitOrLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PerpetualAdditionalTier1ContingentCapitalSecuritiesMember" abstract="true" name="PerpetualAdditionalTier1ContingentCapitalSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_LoanModificationMember" abstract="true" name="LoanModificationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncomeTaxRelatingToRealisedGainsLossesTransferredToStatementOfProfitOrLoss" abstract="false" name="IncomeTaxRelatingToRealisedGainsLossesTransferredToStatementOfProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfEquityTableTextBlock" abstract="false" name="DisclosureOfEquityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_ValuationResultsAndNetTradingIncomeLineItems" abstract="true" name="ValuationResultsAndNetTradingIncomeLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_PercentageDecreaseInAvailableCashFlow" abstract="false" name="PercentageDecreaseInAvailableCashFlow" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_MostImportantForeignExchangeYearEndTradingPositionsExplanatoryTableTextBlock" abstract="false" name="MostImportantForeignExchangeYearEndTradingPositionsExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_FinanceLeasesMember" abstract="true" name="FinanceLeasesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NumberOfDebenturesHeld" abstract="false" name="NumberOfDebenturesHeld" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ing_OtherPersonalLending" abstract="false" name="OtherPersonalLending" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ConsolidatedCompaniesAndBusinessesAcquiredAndDivestedAbstract" abstract="true" name="ConsolidatedCompaniesAndBusinessesAcquiredAndDivestedAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_AdjustmentsForIncreaseDecreaseInFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" abstract="false" name="AdjustmentsForIncreaseDecreaseInFinancialAssetsMandatorilyAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CashAndBalancesWithCentralBanksMember" abstract="true" name="CashAndBalancesWithCentralBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PercentageOfForborneAssetsConcentratedInFiveMainEconomicSectors" abstract="false" name="PercentageOfForborneAssetsConcentratedInFiveMainEconomicSectors" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="ing_NegativeInterestExpenseOnAssets" abstract="false" name="NegativeInterestExpenseOnAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CvaMember" abstract="true" name="CvaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ReportingEntityAndAuthorisationOfTheConsolidatedFinancialStatementsPolicyTextBlock" abstract="false" name="ReportingEntityAndAuthorisationOfTheConsolidatedFinancialStatementsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfFinancialAssetsAndLiabilitiesAtFairValueThroughProfitLossTableTextBlock" abstract="false" name="DisclosureOfFinancialAssetsAndLiabilitiesAtFairValueThroughProfitLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfNetDeferredTaxPositionExplanatory" abstract="false" name="DisclosureOfNetDeferredTaxPositionExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfLoansAndAdvancesToBanksAbstract" abstract="true" name="DisclosureOfLoansAndAdvancesToBanksAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_InterestRatesDerivativesForeignExchangeDerivativesMember" abstract="true" name="InterestRatesDerivativesForeignExchangeDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TotalEclCollectiveAssessmentForPerformingAssets" abstract="false" name="TotalEclCollectiveAssessmentForPerformingAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CentralBankBondsMember" abstract="true" name="CentralBankBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RetailTurkeyMember" abstract="true" name="RetailTurkeyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfNonFinancialLiabilitiesByMaturityScheduleTable" abstract="true" name="DisclosureOfNonFinancialLiabilitiesByMaturityScheduleTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_InternalCreditGradeThreeMember" abstract="true" name="InternalCreditGradeThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ShareholderEquityInAccordanceWithEuIfrs" abstract="false" name="ShareholderEquityInAccordanceWithEuIfrs" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InformationAboutCreditQualityOfFinancialAssetsTableTextBlock" abstract="false" name="InformationAboutCreditQualityOfFinancialAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_ChemicalsHealthAndPharmaceuticalsMember" abstract="true" name="ChemicalsHealthAndPharmaceuticalsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_EquityAtFairValueThroughOtherComprehensiveIncomeMember" abstract="true" name="EquityAtFairValueThroughOtherComprehensiveIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherIncome1Abstract" abstract="true" name="OtherIncome1Abstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_MakelaarslandMember" abstract="true" name="MakelaarslandMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DepositsFromCustomersExcludingRepurchaseAgreementsSubjectToOffsetting" abstract="false" name="DepositsFromCustomersExcludingRepurchaseAgreementsSubjectToOffsetting" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AAAccreditGradesMember" abstract="true" name="AAAccreditGradesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfReconciliationShareholdersEquityTableTextBlock" abstract="false" name="DisclosureOfReconciliationShareholdersEquityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_IncreaseInBusinessLendingOutstandings" abstract="false" name="IncreaseInBusinessLendingOutstandings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisposalsAndRedemptionsFromOtherInvestments" abstract="false" name="DisposalsAndRedemptionsFromOtherInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TreasuryBillsAndOtherEligibleBills" abstract="false" name="TreasuryBillsAndOtherEligibleBills" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FinancialInstitutionsBondsMember" abstract="true" name="FinancialInstitutionsBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_LoansAndAdvancesToBanksExcludingRepurchaseAgreementsNotSubjectToOffsetting" abstract="false" name="LoansAndAdvancesToBanksExcludingRepurchaseAgreementsNotSubjectToOffsetting" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfProvisionsLineItems" abstract="true" name="DisclosureOfProvisionsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_ShareOfAssociatesJoingVentureAndOtherReservesIncludingNonDistributableProfitsFromAssociatesAndJointVentures" abstract="false" name="ShareOfAssociatesJoingVentureAndOtherReservesIncludingNonDistributableProfitsFromAssociatesAndJointVentures" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PercentageOfBusinessLendingOfOutstandings" abstract="false" name="PercentageOfBusinessLendingOfOutstandings" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_ConsumerLendingPerformingPastDueMember" abstract="true" name="ConsumerLendingPerformingPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfLegalProceedingsAbstract" abstract="true" name="DisclosureOfLegalProceedingsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_CreditSpreadSensitivitiesPerRiskClassAndSectorExplanatoryTableTextBlock" abstract="false" name="CreditSpreadSensitivitiesPerRiskClassAndSectorExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_CarryingAmountOfAssociatedFinancialLiabilities" abstract="false" name="CarryingAmountOfAssociatedFinancialLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IncreaseDecreaseInUnrealisedRevaluationsFinancialAssets" abstract="false" name="IncreaseDecreaseInUnrealisedRevaluationsFinancialAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_UnissuedSharesValue" abstract="false" name="UnissuedSharesValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PerformingNotPastDueMember" abstract="true" name="PerformingNotPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PaymentServicesFeeAndCommissionExpense" abstract="false" name="PaymentServicesFeeAndCommissionExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_LiabilitiesHeldForTradingMember" abstract="true" name="LiabilitiesHeldForTradingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FixedInterestRate" abstract="false" name="FixedInterestRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_AmountOfFinancialLiabilitiesDesignedToBeFullyNeutral" abstract="false" name="AmountOfFinancialLiabilitiesDesignedToBeFullyNeutral" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InterestExpenseOnNonTradingDerivativesNotQualifiedForHedgeAccounting" abstract="false" name="InterestExpenseOnNonTradingDerivativesNotQualifiedForHedgeAccounting" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_GainLossOnSaleOfBusinessAndReleaseOfRedemptionLiability" abstract="false" name="GainLossOnSaleOfBusinessAndReleaseOfRedemptionLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DepositsFromCustomersCategoryMember" abstract="true" name="DepositsFromCustomersCategoryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CoveredBondCompanyMember" abstract="true" name="CoveredBondCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_KeyManagementPersonnelFixedCompensationAbstract" abstract="true" name="KeyManagementPersonnelFixedCompensationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_RemainingFinancialAssetsClassifiedAsLevel3" abstract="false" name="RemainingFinancialAssetsClassifiedAsLevel3" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ValuationResultsAndNetTradingIncomeTable" abstract="true" name="ValuationResultsAndNetTradingIncomeTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_DisclosureOfNetFeeAndCommissionIncomeExplanatoryTableTextBlock" abstract="false" name="DisclosureOfNetFeeAndCommissionIncomeExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_IncreaseDecreaseOfNetInterestIncome" abstract="false" name="IncreaseDecreaseOfNetInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfNetUnusedTaxLossesCarriedForwardAnalysedByExpiryTermsExplanatory" abstract="false" name="DisclosureOfNetUnusedTaxLossesCarriedForwardAnalysedByExpiryTermsExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_ECBFundingRateBenefitOnTLTROIIProgramme" abstract="false" name="ECBFundingRateBenefitOnTLTROIIProgramme" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FinancialAssetsStatementOfFinancialPosition" abstract="false" name="FinancialAssetsStatementOfFinancialPosition" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InvestmentAndMoneyMarketMember" abstract="true" name="InvestmentAndMoneyMarketMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_CustomerDepositsCurrentAccountsAndOvernightDeposits" abstract="false" name="CustomerDepositsCurrentAccountsAndOvernightDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TransportationLogisticsMember" abstract="true" name="TransportationLogisticsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AACreditGradesMember" abstract="true" name="AACreditGradesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ShareAwardsRelatingToEquitySettledSharebasedPaymentArrangement" abstract="false" name="ShareAwardsRelatingToEquitySettledSharebasedPaymentArrangement" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="ing_ShareBuybackProgrammeAmount" abstract="false" name="ShareBuybackProgrammeAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_StageTwoMember" abstract="true" name="StageTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfNonPerformingLoansTableTextBlock" abstract="false" name="DisclosureOfNonPerformingLoansTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_ShareRepurchaseProgramTwoMember" abstract="true" name="ShareRepurchaseProgramTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherStaffRelatedLiabilities" abstract="false" name="OtherStaffRelatedLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FoodBeveragesPersonalCareMember" abstract="true" name="FoodBeveragesPersonalCareMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RetailBelgiumMember" abstract="true" name="RetailBelgiumMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CollectiveSavingAllowancesForLossPensionBenefits" abstract="false" name="CollectiveSavingAllowancesForLossPensionBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InvestmentGradeAndNonInvestmentGradeMember" abstract="true" name="InvestmentGradeAndNonInvestmentGradeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ContingentLiabilitiesAndCommitments" abstract="false" name="ContingentLiabilitiesAndCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfMarketRiskTable" abstract="true" name="DisclosureOfMarketRiskTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_DebtSecuritiesLiabilitiesMember" abstract="true" name="DebtSecuritiesLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CurrentTaxFromPreviouslyUnrecognisedAmounts" abstract="false" name="CurrentTaxFromPreviouslyUnrecognisedAmounts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" abstract="false" name="FinancialAssetsAmountsNotSubjectToEnforceableNettingArrangements" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IncreaseDecreaseThroughAmortisationLiabilitiesArisingFromFinancingActivities" abstract="false" name="IncreaseDecreaseThroughAmortisationLiabilitiesArisingFromFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ChangesInLiabilitiesArisingFromFinancingActivitiesTable" abstract="true" name="ChangesInLiabilitiesArisingFromFinancingActivitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_OtherBankingNettingMember" abstract="true" name="OtherBankingNettingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DescriptionOfAccountingPolicyForClassificationAndMeasurementOfFinancialInstrumentsExplanatoryPolicyTextBlock" abstract="false" name="DescriptionOfAccountingPolicyForClassificationAndMeasurementOfFinancialInstrumentsExplanatoryPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfLiabilitiesByMaturityExplanatory" abstract="false" name="DisclosureOfLiabilitiesByMaturityExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_AdditionalTierOneCapital" abstract="false" name="AdditionalTierOneCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" abstract="false" name="OtherLiabilitiesIncludesCurrentAndDeferredTaxLiabilitiesAndProvisions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NetRemeasurementOfLoanLossProvision" abstract="false" name="NetRemeasurementOfLoanLossProvision" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NonperformingMember" abstract="true" name="NonperformingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AdditionUnusedAmountsReversedOfOtherProvisions" abstract="false" name="AdditionUnusedAmountsReversedOfOtherProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ShareCapitalAndSharePremium" abstract="false" name="ShareCapitalAndSharePremium" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ImpairmentOfGoodwillMember" abstract="true" name="ImpairmentOfGoodwillMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_UnweightedEclForAllCollectiveProvisionedClientsInBaselineScenario" abstract="false" name="UnweightedEclForAllCollectiveProvisionedClientsInBaselineScenario" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DerivativesAtForeignExchangeMember" abstract="true" name="DerivativesAtForeignExchangeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherProvisionMember" abstract="true" name="OtherProvisionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_UnrecognisedCompensationCostRelatedToShareAwards" abstract="false" name="UnrecognisedCompensationCostRelatedToShareAwards" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DeferredTaxInConnectionWithUnusedTaxLossesCarriedForward" abstract="false" name="DeferredTaxInConnectionWithUnusedTaxLossesCarriedForward" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DepositsFromBanksExcludingRepurchaseAgreementsSubjectToOffsetting1" abstract="false" name="DepositsFromBanksExcludingRepurchaseAgreementsSubjectToOffsetting1" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PreSettlementMember" abstract="true" name="PreSettlementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SubsovereignSupranationalsAndAgenciesMember" abstract="true" name="SubsovereignSupranationalsAndAgenciesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FinancialAssetsModifiedAbstract" abstract="true" name="FinancialAssetsModifiedAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_BCreditGradesMember" abstract="true" name="BCreditGradesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TMBThanachartBankPublicCompanyLimitedMember" abstract="true" name="TMBThanachartBankPublicCompanyLimitedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_MdaTriggerTotalCapital" abstract="false" name="MdaTriggerTotalCapital" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_GainLossFromHyperinflationRemeasurement" abstract="false" name="GainLossFromHyperinflationRemeasurement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SummaryOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" abstract="false" name="SummaryOfFinancialAssetsAtFairValueThroughOtherComprehensiveIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="ing_DisclosureOfDebtSecuritiesAbstract" abstract="true" name="DisclosureOfDebtSecuritiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_PercentageOfNetOutstandings" abstract="false" name="PercentageOfNetOutstandings" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_Pillar2RequirementMember" abstract="true" name="Pillar2RequirementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_MinimumCapitalRatioRequired" abstract="false" name="MinimumCapitalRatioRequired" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_CoveredBondsMember" abstract="true" name="CoveredBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_LegalReserve" abstract="false" name="LegalReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherEquityInvestmentsMember" abstract="true" name="OtherEquityInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_WarsawInterbankOfferedRateWIBORMember" abstract="true" name="WarsawInterbankOfferedRateWIBORMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CustomerAccountsCreditBalances" abstract="false" name="CustomerAccountsCreditBalances" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_GlobalOutputPercent" abstract="false" name="GlobalOutputPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_FixedRateSeniorNotesDue20243550PercentMember" abstract="true" name="FixedRateSeniorNotesDue20243550PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfReconciliationNetResultExplanatoryTableTextBlock" abstract="false" name="DisclosureOfReconciliationNetResultExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_PropertyDevelopmentAndForeclosures" abstract="false" name="PropertyDevelopmentAndForeclosures" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ForeignExchangeRateChangesNegativeImpactOnPortfolioGrowthPercentage" abstract="false" name="ForeignExchangeRateChangesNegativeImpactOnPortfolioGrowthPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_InterestAndOtherIncomeExpense" abstract="false" name="InterestAndOtherIncomeExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherInvestmentsInAssociatesAndJointVenturesMember" abstract="true" name="OtherInvestmentsInAssociatesAndJointVenturesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PartiallyCoveredMember" abstract="true" name="PartiallyCoveredMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" abstract="false" name="FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForNonTradingDerivatives" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_RetailChallengersAndGrowthMarketsMember" abstract="true" name="RetailChallengersAndGrowthMarketsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseDecreaseInLocalBankTaxes" abstract="false" name="IncreaseDecreaseInLocalBankTaxes" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_KeyManagementPersonnelCompensationUpfrontCash" abstract="false" name="KeyManagementPersonnelCompensationUpfrontCash" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ModelRiskMember" abstract="true" name="ModelRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_LoansWithDeathWaiversMember" abstract="true" name="LoansWithDeathWaiversMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfCreditRiskExposureByLineOfBusinessTableTextBlock" abstract="false" name="DisclosureOfCreditRiskExposureByLineOfBusinessTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfFinancialAssetsModifiedSinceInitialRecognitionTableTextBlock" abstract="false" name="DisclosureOfFinancialAssetsModifiedSinceInitialRecognitionTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_CountriesOtherThanRussiaMember" abstract="true" name="CountriesOtherThanRussiaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_SubordinatedLiabilitiesMember" abstract="true" name="SubordinatedLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NetRepaymentIncreaseInGrossCarryingAmount" abstract="false" name="NetRepaymentIncreaseInGrossCarryingAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FvaMember" abstract="true" name="FvaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CashFlowsUsedInInvestingActivitiesAbstract" abstract="true" name="CashFlowsUsedInInvestingActivitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_CommercialBanksMember" abstract="true" name="CommercialBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_UnweightedEclForAllCollectiveProvisionedClientsInUpsideScenario" abstract="false" name="UnweightedEclForAllCollectiveProvisionedClientsInUpsideScenario" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TradingAssetsMember" abstract="true" name="TradingAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ProceedsFromAgreementOfWithdrawalOfRetailBankingMarket" abstract="false" name="ProceedsFromAgreementOfWithdrawalOfRetailBankingMarket" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_RegulatoryAdjustments" abstract="false" name="RegulatoryAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_EarlyRepaymentOfLiabilitiesFairValue" abstract="false" name="EarlyRepaymentOfLiabilitiesFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PercentageOfIncreaseDecreaseInPortfolioSize" abstract="false" name="PercentageOfIncreaseDecreaseInPortfolioSize" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_PriceNonPercentMember" abstract="true" name="PriceNonPercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DescriptionOfAccountingPolicyForReconciliationBetweenIFRSEUAndIFRSIASBPolicyTextBlock" abstract="false" name="DescriptionOfAccountingPolicyForReconciliationBetweenIFRSEUAndIFRSIASBPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DisclosureOfFinancialDerivativeInstrumentLiabilitiesDesignatedAtFairThroughProfitOrLossExplanatoryTableTextBlock" abstract="false" name="DisclosureOfFinancialDerivativeInstrumentLiabilitiesDesignatedAtFairThroughProfitOrLossExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_ManagementBoardOfIngBankMember" abstract="true" name="ManagementBoardOfIngBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseDecreaseInMaximumExposureToCreditRisk" abstract="false" name="IncreaseDecreaseInMaximumExposureToCreditRisk" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DescriptionOfAccountingPolicyForRecognitionOfExpenseExplanatoryPolicyTextBlock" abstract="false" name="DescriptionOfAccountingPolicyForRecognitionOfExpenseExplanatoryPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_IncreaseThroughShareBasedPaymentTransactionsShares" abstract="false" name="IncreaseThroughShareBasedPaymentTransactionsShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ing_DisclosureOfLoansAndAdvancesToBanksLineItems" abstract="true" name="DisclosureOfLoansAndAdvancesToBanksLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_NonbankFinancialInstitutionsMember" abstract="true" name="NonbankFinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AmericanDepositorySharesMember" abstract="true" name="AmericanDepositorySharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PropertyMember" abstract="true" name="PropertyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_EligibleFinancialCollateralMember" abstract="true" name="EligibleFinancialCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_InterestBearingOnDepositsFromBanks" abstract="false" name="InterestBearingOnDepositsFromBanks" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TaxEffectOfOtherIncomeNotSubjectToTax" abstract="false" name="TaxEffectOfOtherIncomeNotSubjectToTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AverageEffectiveDeferredTaxRate" abstract="false" name="AverageEffectiveDeferredTaxRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_ResilientNetProfit" abstract="false" name="ResilientNetProfit" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IncreaseThroughShareBasedPaymentTransactionsEquity" abstract="false" name="IncreaseThroughShareBasedPaymentTransactionsEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_MiscellaneousInterestExpense" abstract="false" name="MiscellaneousInterestExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ForborneAssets" abstract="false" name="ForborneAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NetResultAttributableToOwnersOfParentEuIfrs" abstract="false" name="NetResultAttributableToOwnersOfParentEuIfrs" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_DisclosureOfChangeInInvestmentsInAssociatesAndJointVenturesExplanatory" abstract="false" name="DisclosureOfChangeInInvestmentsInAssociatesAndJointVenturesExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_TradingPortfoliosNettingMember" abstract="true" name="TradingPortfoliosNettingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AmountOfRiskNeutralDesignedFinancialAssets" abstract="false" name="AmountOfRiskNeutralDesignedFinancialAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FinancialLiabilitiesClassifiedAsLevelBasedOnUnadjustedQuotedPriceInactiveMarkets" abstract="false" name="FinancialLiabilitiesClassifiedAsLevelBasedOnUnadjustedQuotedPriceInactiveMarkets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_GuaranteesIssued" abstract="false" name="GuaranteesIssued" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NonIfrs9EligibleAssetsCommitmentsMember" abstract="true" name="NonIfrs9EligibleAssetsCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CustomerDepositsTimeDeposits" abstract="false" name="CustomerDepositsTimeDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NumberOfCountriesInWhichTheEntityOperates" abstract="false" name="NumberOfCountriesInWhichTheEntityOperates" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ing_GainLossOnLiquidationOfEntity" abstract="false" name="GainLossOnLiquidationOfEntity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfClassificationOfInvestmentIncomeExplanatoryTableTextBlock" abstract="false" name="DisclosureOfClassificationOfInvestmentIncomeExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_BusinessLendingMember" abstract="true" name="BusinessLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesLineItems" abstract="true" name="DisclosureOfFairValueMeasurementOfAssetsAndLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_NetherlandsGermanyBelgiumPolandMember" abstract="true" name="NetherlandsGermanyBelgiumPolandMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DebtSecuritiesByTypeAndBalanceSheetLinesTableTextBlock" abstract="false" name="DebtSecuritiesByTypeAndBalanceSheetLinesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_LoanAndAdvancesAtFairValueThroughOtherComprehensiveIncomeMember" abstract="true" name="LoanAndAdvancesAtFairValueThroughOtherComprehensiveIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TradingAndNonTradingLiabilitiesMember" abstract="true" name="TradingAndNonTradingLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfProvisionsByTypeExplanatoryTableTextBlock" abstract="false" name="DisclosureOfProvisionsByTypeExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_ReconciliationNetResultAdjustmentOfEUIAS39Carveout" abstract="false" name="ReconciliationNetResultAdjustmentOfEUIAS39Carveout" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_GovernmentBondsMember" abstract="true" name="GovernmentBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_INGGroepNVMember" abstract="true" name="INGGroepNVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PositiveRemeasurementOfReserveMember" abstract="true" name="PositiveRemeasurementOfReserveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseDecreaseOfForborneAssets" abstract="false" name="IncreaseDecreaseOfForborneAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ContinuingOperationsAbstract" abstract="true" name="ContinuingOperationsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_AdjustmentsForIncreaseDecreaseInOtherFinancialAssetsAtFairValueThroughProfitOrLoss" abstract="false" name="AdjustmentsForIncreaseDecreaseInOtherFinancialAssetsAtFairValueThroughProfitOrLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PayvisionMember" abstract="true" name="PayvisionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AuditorFees" abstract="true" name="AuditorFees" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_ValuationGainLoss" abstract="false" name="ValuationGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfIncomeTaxesAbstract" abstract="true" name="DisclosureOfIncomeTaxesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_CCreditGradesMember" abstract="true" name="CCreditGradesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IngFinancialHoldingsCorporationMember" abstract="true" name="IngFinancialHoldingsCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NewInvestmentsInStrategicEquityInstrumentsMember" abstract="true" name="NewInvestmentsInStrategicEquityInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IngBankAustraliaLimitedMember" abstract="true" name="IngBankAustraliaLimitedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfCustomerDepositsTable" abstract="true" name="DisclosureOfCustomerDepositsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_CallableFloatingRateSeniorNotesDue2027Member" abstract="true" name="CallableFloatingRateSeniorNotesDue2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OtherLiabilitiesClassifiedAsOther" abstract="false" name="OtherLiabilitiesClassifiedAsOther" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SubsidiariesInGermanyBelgiumAndAustraliaMember" abstract="true" name="SubsidiariesInGermanyBelgiumAndAustraliaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PercentageOfCollateralisationLevelOfTheTotalPortfolioExcludingPreSettlement" abstract="false" name="PercentageOfCollateralisationLevelOfTheTotalPortfolioExcludingPreSettlement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_SharesRepurchasedEffectivePricePerShare" abstract="false" name="SharesRepurchasedEffectivePricePerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="ing_ImpairmentOfTTBMember" abstract="true" name="ImpairmentOfTTBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_MdaTriggerCet1" abstract="false" name="MdaTriggerCet1" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_ClassOfLevel3AssetsAndLiabilitiesByTypeDomain" abstract="true" name="ClassOfLevel3AssetsAndLiabilitiesByTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfLoansAndAdvancesToBanksTable" abstract="true" name="DisclosureOfLoansAndAdvancesToBanksTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_NumberOfReportableSegments1" abstract="false" name="NumberOfReportableSegments1" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ing_IncreaseDecreaseInAverageThresholdRatio" abstract="false" name="IncreaseDecreaseInAverageThresholdRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ing_InterestRateMember" abstract="true" name="InterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_EquityAndEquityCorrelationOneMember" abstract="true" name="EquityAndEquityCorrelationOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RampedUnflooredParallelUpwardMember" abstract="true" name="RampedUnflooredParallelUpwardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_InsuranceAndOtherBrokingFeeAndCommissionIncome" abstract="false" name="InsuranceAndOtherBrokingFeeAndCommissionIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AverageNumberOfEmployeesOnFullTimeEquivalentBasis" abstract="false" name="AverageNumberOfEmployeesOnFullTimeEquivalentBasis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="ing_StageThreeMember" abstract="true" name="StageThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_CancellationOfTreasuryStockShares" abstract="false" name="CancellationOfTreasuryStockShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ing_SupervisoryBoardMember" abstract="true" name="SupervisoryBoardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_WholesaleBankingMember" abstract="true" name="WholesaleBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AdjustmentsForIncreaseDecreaseInNonTradingDerivatives" abstract="false" name="AdjustmentsForIncreaseDecreaseInNonTradingDerivatives" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NoninvestmentGradeWholesaleMember" abstract="true" name="NoninvestmentGradeWholesaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_OtherNettingMember" abstract="true" name="OtherNettingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IssueOfSharePremiumValue" abstract="false" name="IssueOfSharePremiumValue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_TierOneCapitalRatio" abstract="false" name="TierOneCapitalRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_ShareRepurchaseProgramNumberDomain" abstract="true" name="ShareRepurchaseProgramNumberDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfCreditRiskExposurePerEconomicSectorTableTextBlock" abstract="false" name="DisclosureOfCreditRiskExposurePerEconomicSectorTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_NonInterestBearingOnDepositsFromBanks" abstract="false" name="NonInterestBearingOnDepositsFromBanks" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ReserveOfPropertyInOwnUse" abstract="false" name="ReserveOfPropertyInOwnUse" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DividendsRecognisedAsDistributionsToOwners1" abstract="false" name="DividendsRecognisedAsDistributionsToOwners1" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ImpairmentOnDeferredTaxAssetsMember" abstract="true" name="ImpairmentOnDeferredTaxAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FairValueMeasurementDeferredDayOneProfitOrLossReserveProfitLossRecognised" abstract="false" name="FairValueMeasurementDeferredDayOneProfitOrLossReserveProfitLossRecognised" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_DisclosureOfReconciliationShareholderEquityEuIfrsAndIasbIfrsAbstract" abstract="true" name="DisclosureOfReconciliationShareholderEquityEuIfrsAndIasbIfrsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_ReplacementFacilitiesMember" abstract="true" name="ReplacementFacilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DecreaseInInvestmentsInSubsidiariesJointVenturesAndAssociatesFromDividendsReceived" abstract="false" name="DecreaseInInvestmentsInSubsidiariesJointVenturesAndAssociatesFromDividendsReceived" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_Capital1" abstract="false" name="Capital1" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_GainLossOnDisposalOfBusiness" abstract="false" name="GainLossOnDisposalOfBusiness" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfDetailedInformationAboutValuationResultsAndNetTradingIncomeTableTextBlock" abstract="false" name="DisclosureOfDetailedInformationAboutValuationResultsAndNetTradingIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_LoansAndAdvancesToBanksMember" abstract="true" name="LoansAndAdvancesToBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_OverallPortfolioPercent" abstract="false" name="OverallPortfolioPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
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  <xs:element id="ing_SecuritiesLendingDebtMember" abstract="true" name="SecuritiesLendingDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ChangeInDiscountRate" abstract="false" name="ChangeInDiscountRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_WIBORIndexedFairValueAndCashFlowHedgesMember" abstract="true" name="WIBORIndexedFairValueAndCashFlowHedgesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_DisclosureOfCreditRatingTableTextBlock" abstract="false" name="DisclosureOfCreditRatingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_GBPFixedRateSubordinatedTier2Notes2023Member" abstract="true" name="GBPFixedRateSubordinatedTier2Notes2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_UnweightedEclForAllCollectiveProvisionedClientsInDownScenario" abstract="false" name="UnweightedEclForAllCollectiveProvisionedClientsInDownScenario" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_IndustryCompositionPercentage" abstract="false" name="IndustryCompositionPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_DisclosureOfSignificantInvestmentsInAssociatesAndJointVenturesTableTextBlock" abstract="false" name="DisclosureOfSignificantInvestmentsInAssociatesAndJointVenturesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="ing_FundingRateTLTROIIISeries7" abstract="false" name="FundingRateTLTROIIISeries7" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ing_InterestIncomeOnNonTradingDerivativesHedgeAccountingIfrs9" abstract="false" name="InterestIncomeOnNonTradingDerivativesHedgeAccountingIfrs9" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PensionCostsAndOtherStaffRelatedBenefitCosts" abstract="false" name="PensionCostsAndOtherStaffRelatedBenefitCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_SeniorManagementAndOtherEmployeesMember" abstract="true" name="SeniorManagementAndOtherEmployeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ReconciliationNetResultEffectOfAdjustmentAfterTaxEUIAS39Carveout" abstract="false" name="ReconciliationNetResultEffectOfAdjustmentAfterTaxEUIAS39Carveout" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_BuildersAndContractorsMember" abstract="true" name="BuildersAndContractorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_HedgesCurrencyRiskMember" abstract="true" name="HedgesCurrencyRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TotalOfModelReservesMember" abstract="true" name="TotalOfModelReservesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_FairValueOfListedInvestment" abstract="false" name="FairValueOfListedInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_BrandITAndCustomerRelationshipsMember" abstract="true" name="BrandITAndCustomerRelationshipsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseDecreaseThroughTransfersFromToOtherAssets" abstract="false" name="IncreaseDecreaseThroughTransfersFromToOtherAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_ChangesInLoanLossProvisionsAndGrossCarryingAmountsExplanatoryTableTextBlock" abstract="false" name="ChangesInLoanLossProvisionsAndGrossCarryingAmountsExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_ScheduleOfCustomerDepositsTableTextBlock" abstract="false" name="ScheduleOfCustomerDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="ing_ScenarioProbabilityWeighting" abstract="false" name="ScenarioProbabilityWeighting" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_NetPresentValueAtRisk" abstract="false" name="NetPresentValueAtRisk" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherCashDistributions" abstract="false" name="OtherCashDistributions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FixedExpensesAndVestingOfVariableRemunerationExpenses" abstract="false" name="FixedExpensesAndVestingOfVariableRemunerationExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DescriptionOfAccountingPolicyForHyperinflationPolicyTextBlock" abstract="false" name="DescriptionOfAccountingPolicyForHyperinflationPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_HousePriceIndexEconomicCoreVariableMember" abstract="true" name="HousePriceIndexEconomicCoreVariableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfSignificantInvestmentsInPrincipalSubsidiariesAssociatesAndJointVenturesTable" abstract="true" name="DisclosureOfSignificantInvestmentsInPrincipalSubsidiariesAssociatesAndJointVenturesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ing_ForeignExchangeRateChangesNegativeImpactOnPortfolioGrowthAmount" abstract="false" name="ForeignExchangeRateChangesNegativeImpactOnPortfolioGrowthAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_LoansToFinancialInstitutionsMember" abstract="true" name="LoansToFinancialInstitutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ReserveOfProertyInUseMember" abstract="true" name="ReserveOfProertyInUseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AmountsDueToBanksMember" abstract="true" name="AmountsDueToBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfLoansAndAdvancesToCustomersByTypeExplanatory" abstract="false" name="DisclosureOfLoansAndAdvancesToCustomersByTypeExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_FinancialAssetsClassifiedAsLevel3BasedOnQuotedPrice" abstract="false" name="FinancialAssetsClassifiedAsLevel3BasedOnQuotedPrice" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_AssetsNotFreelyDisposableLineItems" abstract="true" name="AssetsNotFreelyDisposableLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_DisclosureOfOtherOperatingExpenseAbstract" abstract="true" name="DisclosureOfOtherOperatingExpenseAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_GoodwillHyperinflationAdjustment" abstract="false" name="GoodwillHyperinflationAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_RepurchaseSecuritiesLendingAndSimilarAgreementsMember" abstract="true" name="RepurchaseSecuritiesLendingAndSimilarAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IncreaseDecreaseThroughNonCashFinancingActivitiesAbstract" abstract="true" name="IncreaseDecreaseThroughNonCashFinancingActivitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_ServicesMember" abstract="true" name="ServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfMaturityOfFinancialAndNonFinancialLiabilitiesExplanatoryTableTextBlock" abstract="false" name="DisclosureOfMaturityOfFinancialAndNonFinancialLiabilitiesExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_UnusedTaxLossesForWhichDeferredTaxAssetRecognised" abstract="false" name="UnusedTaxLossesForWhichDeferredTaxAssetRecognised" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_CzechRetailBankingMember" abstract="true" name="CzechRetailBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DecreaseInPercentageOfForborneAssets" abstract="false" name="DecreaseInPercentageOfForborneAssets" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_MaturityDateBeyondJanuary2025Member" abstract="true" name="MaturityDateBeyondJanuary2025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ContributionsToDepositGuaranteeSchemes" abstract="false" name="ContributionsToDepositGuaranteeSchemes" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_NumberOfPolishBanksPartyToTheInstitutionalProtectionScheme" abstract="false" name="NumberOfPolishBanksPartyToTheInstitutionalProtectionScheme" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ing_DeferredTaxLiabilitiesMember" abstract="true" name="DeferredTaxLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_NonPerformingGradeMember" abstract="true" name="NonPerformingGradeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ReceivableRelatedToTheInsolvencyOfAFinancialInstitution" abstract="false" name="ReceivableRelatedToTheInsolvencyOfAFinancialInstitution" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_StatementOfCashFlowsLineItems" abstract="true" name="StatementOfCashFlowsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_IncreaseDecreaseThroughFinancingCashFlowsAbstract" abstract="true" name="IncreaseDecreaseThroughFinancingCashFlowsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_HyperinflationaryAccountingIncome" abstract="false" name="HyperinflationaryAccountingIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_EffectOfEUIAS39CarveoutAdjustmentAfterTax" abstract="false" name="EffectOfEUIAS39CarveoutAdjustmentAfterTax" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherBankMember" abstract="true" name="OtherBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ChangesInCompositionOfGroupAndOtherChanges" abstract="false" name="ChangesInCompositionOfGroupAndOtherChanges" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherWholesaleBankingMember" abstract="true" name="OtherWholesaleBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfFairValueFinancialAssetsAndLiabilitiesAmortisedCostExplanatoryTableTextBlock" abstract="false" name="DisclosureOfFairValueFinancialAssetsAndLiabilitiesAmortisedCostExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_DeferredTaxesForLeaseLiabilities" abstract="false" name="DeferredTaxesForLeaseLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FinancialGuaranteesAndOtherCommitments" abstract="false" name="FinancialGuaranteesAndOtherCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DisclosureOfIncomeTaxBenefitsExpenseExplanatory" abstract="false" name="DisclosureOfIncomeTaxBenefitsExpenseExplanatory" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="ing_NonHedgesMember" abstract="true" name="NonHedgesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_TradingAndNonTradingMember" abstract="true" name="TradingAndNonTradingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AllowanceForFinanceLeaseReceivablesIncludedInLoanLossProvisions" abstract="false" name="AllowanceForFinanceLeaseReceivablesIncludedInLoanLossProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FairValueDeferredDayOneProfitOrLossReserveTableTextBlock" abstract="false" name="FairValueDeferredDayOneProfitOrLossReserveTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="ing_IngBankASMember" abstract="true" name="IngBankASMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ReversalsOfImpairmentsOfIntangibleAssets" abstract="false" name="ReversalsOfImpairmentsOfIntangibleAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_ChangesInLiabilitiesArisingFromFinancingActivitiesLineItems" abstract="true" name="ChangesInLiabilitiesArisingFromFinancingActivitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ing_IncludedInCashAndCashEquivalentsOfLoansAndAdvancesToBanks" abstract="false" name="IncludedInCashAndCashEquivalentsOfLoansAndAdvancesToBanks" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_InformationTechnologyExpenses" abstract="false" name="InformationTechnologyExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherCountriesMember" abstract="true" name="OtherCountriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_PercentageOfResidentialMortgageOustandings" abstract="false" name="PercentageOfResidentialMortgageOustandings" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_PercentageOfFinancialAssets" abstract="false" name="PercentageOfFinancialAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_ShareOfAssociatesJointVenturesAndOtherReservesMember" abstract="true" name="ShareOfAssociatesJointVenturesAndOtherReservesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RetailNetherlandsMember" abstract="true" name="RetailNetherlandsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_WeightedAveragePeriodOfUnrecognisedCompensationCostsRelatedToShareAwards" abstract="false" name="WeightedAveragePeriodOfUnrecognisedCompensationCostsRelatedToShareAwards" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ing_OtherChallengersMember" abstract="true" name="OtherChallengersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_ChangeInValueOfHedgingInstrumentRecognisedInOci" abstract="false" name="ChangeInValueOfHedgingInstrumentRecognisedInOci" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_FundsEntrustedMember" abstract="true" name="FundsEntrustedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CashPoolsMember" abstract="true" name="CashPoolsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_CoverRiskExposureCoverValuesIncludingGuaranteesReceivedExplanatoryTableTextBlock" abstract="false" name="CoverRiskExposureCoverValuesIncludingGuaranteesReceivedExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_IncreaseDecreaseInExchangeRateDifferencesDueToIndexationEffect" abstract="false" name="IncreaseDecreaseInExchangeRateDifferencesDueToIndexationEffect" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_DecreaseThroughShareBasedPaymentTransactionsEquity" abstract="false" name="DecreaseThroughShareBasedPaymentTransactionsEquity" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_BBCreditGradesMember" abstract="true" name="BBCreditGradesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_GainOnReleaseOfRedemptionLiability" abstract="false" name="GainOnReleaseOfRedemptionLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ing_DisclosureOfReconciliationOfAverageEffectiveTaxRateAndApplicableTaxRateExplanatoryTableTextBlock" abstract="false" name="DisclosureOfReconciliationOfAverageEffectiveTaxRateAndApplicableTaxRateExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_NetResultsIfrsEuMember" abstract="true" name="NetResultsIfrsEuMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_DisclosureOfContractualMaturityOfAssetsExplanatoryTableTextBlock" abstract="false" name="DisclosureOfContractualMaturityOfAssetsExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_Ifrs9EligibleFinancialAssetsMember" abstract="true" name="Ifrs9EligibleFinancialAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_RegulatoryCosts" abstract="false" name="RegulatoryCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_RampedUnflooredParallelDownwardMember" abstract="true" name="RampedUnflooredParallelDownwardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AdditionalTierOneRegulatoryAdjustments" abstract="false" name="AdditionalTierOneRegulatoryAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InvestmentGradeMember" abstract="true" name="InvestmentGradeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_AdditionUnusedAmountsReversedProvisionForReorganisationsAndRelocations" abstract="false" name="AdditionUnusedAmountsReversedProvisionForReorganisationsAndRelocations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_WholesaleBankingRestOfWorldMember" abstract="true" name="WholesaleBankingRestOfWorldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_AssociatesAndJointVenturesMember" abstract="true" name="AssociatesAndJointVenturesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_DebtSecuritiesAndStructuredNotesMember" abstract="true" name="DebtSecuritiesAndStructuredNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="ing_DisclosureOfFairValueOnNonTradingDerivativesExplanatoryTableTextBlock" abstract="false" name="DisclosureOfFairValueOnNonTradingDerivativesExplanatoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ing_PercentageOnFinancialAssetsBasedOnUnadjustedQuotedPricesInInactiveMarkets" abstract="false" name="PercentageOnFinancialAssetsBasedOnUnadjustedQuotedPricesInInactiveMarkets" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_RepaymentOfDepositsFromBanks" abstract="false" name="RepaymentOfDepositsFromBanks" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_PublicSubsidiesAmountReceived" abstract="false" name="PublicSubsidiesAmountReceived" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_OtherPositionsMember" abstract="true" name="OtherPositionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_IngBankSlaskiSAMember" abstract="true" name="IngBankSlaskiSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_EquitySecuritiesLendingMember" abstract="true" name="EquitySecuritiesLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ing_PresentationOfRiskManagementDisclosuresExplanatoryPolicyTextBlock" abstract="false" name="PresentationOfRiskManagementDisclosuresExplanatoryPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
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  <xs:element id="ing_RevaluationReserves" abstract="false" name="RevaluationReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_ProportionOfOwnershipInterestInSubsidiaryDivested" abstract="false" name="ProportionOfOwnershipInterestInSubsidiaryDivested" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ing_TransferToFromOtherReserves" abstract="false" name="TransferToFromOtherReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ing_InternalCreditGradeFiveMember" abstract="true" name="InternalCreditGradeFiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>12
<FILENAME>ing-20231231_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT
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